Bread Financial Holdings, Inc. (BFH) — Credit Services. Numbers-first dossier: valuation, distress risk, calibrated signal.

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Bid — × — AskUpdated Nov 6, 2026 · 4:00 PM ETVol 563.4K · 3-mo avg 548.6K

Bread Financial Holdings, Inc. (BFH)

BFHBread Financial Holdings, Inc.loading…
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QTick signal
+5net
3 bull / 0 bear factors · leaning
Bull 6 pts·Bear 1 pts30d
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Market context—Sector read · not on file—Balance sheet · not on file—Inflation-report days · not on fileOKCalm trading · sharp-drop risk 0/100 · Nov 6
$101.32
near a recent low and a support level · Nov 6
$103–105
near a resistance level, a round-number price, the 50-day average and the 50-day average trade price · midpoint $103.91 · Nov 6
±$9.35
±9.2% up or down, priced by the options market
Golden cross
50-day average is above the 200-day — an uptrend
In line
85% of similar setups fell 10% or more within 3 months · 1.1× the usual rate · rating eased: at bottom zone (1/6 bottoming checks met)
Golden cross
50-day average is above the 200-day — an uptrend
Trading volume7% below normal0.93× its 20-day average
Past year's range$59.26 – $114.53lowest to highest price
From its peak68.0% belowpeak $318.09, highest since 2015
Gain vs. risk0.22 to 1$0.22 possible gain per $1 at risk
Plan fails below$92.23the setup is broken under this price
Options pressure point$100.00price can drift here near expiry
Momentum (RSI)47.0fires under 35 · fires near $92.81
Accounting warning signs1worth checking — see the list
Price vs. profit7.4× next year8.0× last 12 months
Price vs. its own pastpricier than 81%of the last 5 years · usual P/E 5.5×

Last session traded in line with its own normal, price down 0.7%. Over the last 20 sessions, 50% of the volume traded on days the stock closed lower.

Entry strategy · 10 triggers

3 of 6 aligned — closing in
RSI 14
●
47.0
fires under 35 · fires near $92.81
vs 50-day
✓
$103.56
below the line
Bollinger
●
$98.60
no lower pierce · fires near $97.84
VWAP 20
✓
$103.81
below the rolling VWAP
Entry level
✓
$101.32
within 1% of model level
Put wall
●
$67.50
2026-11-20 expiry · chain of 2026-11-06
MACD
Context✓
+0.01
histogram above zero · fading
RVolStatic
0.93×
in line with its own normal
Short int.Static
0.1%
short interest below 20%
ATRStatic
$4.55
14-session average true range
A checklist, not odds on a return: 4 of 6 usable price conditions have to line up. RSI, the 50-day average and the Bollinger band move with the price you set; the 20-day average traded price, the entry level and the busiest put strike stay fixed. MACD, RVol, Short int. and ATR are context only — they never count toward the total.
See the full case→
Next earnings
2027-01-28
in 55 sessions
Next dividend
USD 0.23
ex-date 2026-11-30