BFH
Bread Financial Holdings, Inc.
NYSE Financial Services United States
102,45 $US
-0.11% today
+36.06% YTD · +70.95% 1Y
2
Insider transactions
SEC Form 4 · AMF · BaFin — rolling 90 days
18
Hedge funds tracked
Latest available SEC 13F filings
71
/ 100
STRONG

Analysis Bread Financial Holdings, Inc. (BFH) — Kairos Score 71/100

Composite score aggregating 8 smart money dimensions: insiders (SEC/AMF/BaFin), hedge funds, politicians & gurus, price momentum, valuation, analyst consensus, financial health, earnings momentum. The higher the score, the more favorable the institutional signals consensus.

💡 Detailed breakdown (the 8 sub-scores) available in the Premium dashboard.

About Bread Financial Holdings, Inc.

Bread Financial Holdings, Inc. provides tech-forward payment and lending solutions to customers and consumer-based industries in North America. It offers credit card and other loans financing services, including risk management solutions, underwriting, and funding services for private label and co-brand credit card programs, as well as through Bread Pay partnerships. The company also manages and services the loans it originates for private label, co-brand, and general-purpose credit card programs, and installment loans and split-pay products; and provides marketing, and data and analytics services. In addition, it offers an enhanced digital suite that includes a unified software development kit, which provides access to its suite of products, as well as promotes credit payment options earlier in the shopping experience. Further, the company through Bread Pay, a digital payments platform and robust suite of application programming interfaces allows merchants and partners to integrate online point-of-sale financing and other digital payment products. Additionally, it offers retail and deposit products, primarily in the form of certificates of deposit and high-yield savings accounts, including traditional and Roth Individual Retirement Accounts. The company offers its products under the Bread, Bread Financial, Bread Cashback, Bread Rewards, Bread Pay, and Bread Savings brands. The company was formerly known as Alliance Data Systems Corporation and changed its name to Bread Financial Holdings, Inc. in March 2022. Bread Financial Holdings, Inc. was incorporated in 1995 and is headquartered in Columbus, Ohio.

Key info

👔
CEO
Mr. Ralph J. Andretta
📍
HQ
3095 Loyalty Circle, Columbus, OH, 43219, United States
👥
Employees
6 000
💰
Market cap
3 936 054 016,00 $US
📊
P/E
7.9
💸
Dividend yield
0.90%

🕴️ Insider activity (90 days)

2 transactions — 1 buys and 0 sales reported by Bread Financial Holdings, Inc. executives.

GJ
Gerspach John C
2026-10-15
Other
MD
McCarthy Dennis James
EVP, Chief Revenue Officer · 2026-09-14
Buy

🏦 Hedge Funds

18 institutional funds report a position on BFH in their latest SEC quarterly filing.

BlackRock, Inc.
VANGUARD GROUP INC
DIMENSIONAL FUND ADVISORS LP
VANGUARD PORTFOLIO MANAGEMENT LLC
AMERICAN CENTURY COMPANIES INC

📰 Recent news

15 recent articles on BFH.

🧠 What makes Kairos Insider

Beyond raw data, we aggregate and score every smart money signal to give you a unique view.

🧠

Kairos Score 0-100

8-dimension composite score: insiders · hedge funds · politicians · momentum · valuation · health · analysts · earnings.

🎯

Insider Clusters

Detection of clustered purchases or sales by several executives in the same stock.

🏦

13F Hedge Funds

Berkshire, Pershing Square, Tiger Global, Bridgewater and other reporting funds.

📈

ETF Rotations

NANC & GOP (Pelosi & Republicans), GURU (top hedge funds), ARK (Cathie Wood). See who enters and exits each week.

🔥

Google Trends

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📧

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Companies in the same sector as Bread Financial Holdings, Inc.

Official sources · Public data · SEC EDGAR — Form 4 & 13F · AMF — Executive filings · BaFin — Directors' Dealings · Yahoo Finance · Alpha Vantage

🔓 Unlock the full analysis

This public page only shows a preview. The full analysis of BFH on the Kairos Insider dashboard includes:

✅ Full Kairos Score (8-axis radar + synthesis)
✅ History of all 2 insider transactions over 90 days
✅ All 18 detected institutional funds
✅ Thematic ETFs (ARK, BUZZ, NANC, GOP, JEPI…)
✅ Hot Stocks Google Trends
✅ Available history: AUM + rotations
✅ Fundamentals (P/E, PEG, EV/EBITDA, ROE…)
✅ Financial health (Altman Z, Piotroski F)
✅ Sector peers + recent earnings
See full analysis →
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