Bread Financial Holdings (BFH) Insider & Congress Trades

Smart money at a glance

Filings to Oct 31, 2026

Net buying: insiders sold $0 and bought $125K on the open market in 90 days (SEC Form 4). Congress: no trades disclosed in 180 days.

Company insidersSEC Form 4, last 90 days: +$125K netNet buying
CongressSTOCK Act, last 180 days: NoneNo trades disclosed
Big fundsSEC 13F, quarter ended Jun 30, 2026: 1 added, 0 cutMore adding

Analysts

What do analysts expect?

Analyst target and ratings are on paid plans

See the 12-month consensus target and the buy/hold/sell rating split.

Unlock the full results

Questions about BFH filings

Are insiders buying or selling Bread Financial Holdings, Inc. (BFH) stock?

Net buying: insiders sold $0 and bought $125K of BFH stock on the open market in the 90 days to Oct 31, 2026, according to SEC Form 4 filings. The largest was Fawcett, John J. (Director), who bought $123K. The latest filing was on Oct 30, 2026.

Which members of Congress have traded BFH recently?

None. No member of Congress disclosed a BFH trade with a trade date in the last 180 days, according to House and Senate STOCK Act filings.

How current is this BFH smart-money data?

This summary uses filings available on Oct 31, 2026. Insiders must report trades to the SEC within 2 business days, members of Congress have up to 45 days to disclose a trade, and funds file 13F holdings up to 45 days after each quarter ends, so the latest moves may not be public yet.

13F: filed up to 45 days late.

Smart money on BFH

Lean long2 sources:
- Insiders
- Funds
Neutral1 source:
- Politicians

Top traders
No tracked positions at the last update
Insiders
Lean long2 buys · 1 sale
Form 4 filings, open market.
Politicians
- Donald Trump, President, sold $15K–$50K, disclosed May 14
- Donald Trump, President, bought $15K–$50K, disclosed May 14
Neutral · thin1 buy · 1 saleExecutive
Executive branch filings. Amounts are filing ranges, not prices, and filings can lag the trade.
Funds
Lean long2 added · 1 trimmed
Quarter-end 13F holdings changes, not live trades. A trim is not a short.
Fin-fluencers
No recent posts found

Each bar is 100% of that source’s money. The notch marks an even split.

Lean is the direction of the latest moves. Descriptive, not advice.

Questions about BFH filings

Are insiders buying or selling Bread Financial Holdings, Inc. (BFH) stock?

Which members of Congress have traded BFH recently?

None. No member of Congress disclosed a BFH trade with a trade date in the last 180 days, according to House and Senate STOCK Act filings.

How current is this BFH smart-money data?

Funds

What funds are doing

5 moves · 6 mo

Buys/Adds$214.6MSells/Trims$35.8M

Buys/Adds (2)

MI
Millennium
Israel Englander · Q2 2026 13F
$19.5M
added
Signals like this: n=13770, 53% finished lower at D15, median -0.4% vs SPY -0.4%
TC
Turtle Creek
Q1 2026 13F
$183.7M
added

Sells/Trims (1)

MI
Millennium
Israel Englander · Q1 2026 13F
$35.8M
trimmed
Signals like this: n=7469, 53% finished lower at D15, median -0.5% vs SPY -0.4%

2 more moves

Pro opens all of them for $16.50/month, paid yearly.

Unlock all 2 moves

Unlock everything for $29/month

Unlock for $29/month

Reported Oct 22, 2026

Earnings came in 18.8% above what analysts expected.

Documents

Quarterly report10-Q Annual report10-K Every filing

Last report

Oct 22, 2026

Period ending

Sep 30, 2026

Earnings per share

$3.84+18.78% beat

$3.23 expected

Revenue

$1.02B

SEC filing · Net of interest expense

EPS: Yahoo Finance

Next report

What the street expects next

Previous reports

Quarter / reported	Earnings per share	Beat or miss	Revenue / income	Revenue vs last year
Sep 30, 2026Reported Oct 22, 2026	$3.84est. $3.23	+18.78%beat	$1.02BSEC filing	+4.7%from $971.0M
Jun 30, 2026Reported Jul 23, 2026	$3.55est. $2.77	+28.26%beat	$993.0MSEC filing	+6.9%from $929.0M
Mar 31, 2026Reported Apr 23, 2026	$4.18est. $3.05	+37.03%beat	$1.02BSEC filing	+4.9%from $970.0M
Dec 31, 2025Reported Jan 29, 2026	$2.07est. $0.48	+$1.59beat	$1.17BAlpha Vantage	+1.6%from $1.16B
Sep 30, 2025Reported Oct 23, 2025	$4.02est. $2.11	+90.52%beat	$971.0MSEC filing	-1.2%from $983.0M
Jun 30, 2025Reported Jul 24, 2025	$3.14est. $1.94	+61.86%beat	$929.0MSEC filing	-1.1%from $939.0M
Mar 31, 2025Reported Apr 24, 2025	$2.90est. $2.23	+30.04%beat	$970.0MSEC filing	-2.1%from $991.0M
Dec 31, 2024Reported Jan 30, 2025	$0.41est. $0.32	+28.13%beat	$1.16BAlpha Vantage	-7.9%from $1.25B

Earnings per share comes from Yahoo Finance where available, then Alpha Vantage or the company release. Revenue comes from company releases, SEC filings, Alpha Vantage or Yahoo Finance. A beat or miss needs an analyst estimate on the same basis as the reported figure, so quarters without one show none. Non-USD amounts carry their currency code.

Open: $106.09
52-wk high: $114.28
High: $107.28
52-wk low: $58.81
Low: $105.01
Prev close: $104.73
Mkt cap: $4.01B
P/E: 7.5x
ROE: +15.9%
Fwd P/E: 8.0x
Beta: 1.18
Div yield: 0.88%
P/S: 0.8x
P/B: 1.2x
Profit margin: +11.2%
Op margin: +14.5%

Dec 2025 to Sep 2026

What it sold, what it cost, what was left.

RevenueProfit

Dec 2025Mar 2026Jun 2026Sep 2026

Income statement, 4 periods, all values in US dollars
USD	Dec 2025	Mar 2026	Jun 2026	Sep 2026
What came in
RevenueTotal revenue	$1.17B	$1.21B	$1.19B	$1.22B
Cost of what it soldCost of revenue	$199.0M	$496.0M	$508.0M	$520.0M
Gross profit	$975.0M	$715.0M	$680.0M	$696.0M
What it spent
Sales and adminSelling, general and administrative	$511.0M	$220.0M	$225.0M	$228.0M
Other operating costsOperating costs not itemised in the filing's summary	$417.0M	$252.0M	$258.0M	$259.0M
Total operating expenses	$928.0M	$472.0M	$483.0M	$487.0M
What was left
Operating profitOperating income	$47.0M	$243.0M	$197.0M	$209.0M
Interest on debtInterest expense	$199.0M	$193.0M	$195.0M	$199.0M
Profit before tax	$47.0M	$243.0M	$197.0M	$209.0M
TaxIncome tax expense	-$6.0M	$62.0M	$51.0M	$53.0M
Net profitNet income	$53.0M	$181.0M	$146.0M	$156.0M
EBITDAEarnings before interest, tax, depreciation, amortisation	$66.0M	$262.0M	$215.0M	$209.0M

Technicals

Price structure

This stock is in a strong uptrend.

Trend

Strong uptrend

100 / 100

RSI 14

59balanced

20D volatility

36%annualized

52-week range

$105.66

$58.81$114.28

20D support

$96.15recent floor

20D resistance

$109.43recent ceiling

Returns

5D +3.1%20D +9.0%60D -5.7%

Price vs moving averages

SMA20 +3.9%SMA50 +1.8%SMA200 +15.7%

Volume pace

0.93xvs prior 20D

Smart money at a glance

Filings to Oct 31, 2026

Net buying: insiders sold $0 and bought $125K on the open market in 90 days (SEC Form 4). Congress: no trades disclosed in 180 days.

Company insidersSEC Form 4, last 90 days: +$125K netNet buying
CongressSTOCK Act, last 180 days: NoneNo trades disclosed
Big fundsSEC 13F, quarter ended Jun 30, 2026: 1 added, 0 cutMore adding

Analysts

What do analysts expect?

Analyst target and ratings are on paid plans

See the 12-month consensus target and the buy/hold/sell rating split.

Unlock the full results

Questions about BFH filings

Are insiders buying or selling Bread Financial Holdings, Inc. (BFH) stock?

Which members of Congress have traded BFH recently?

None. No member of Congress disclosed a BFH trade with a trade date in the last 180 days, according to House and Senate STOCK Act filings.

How current is this BFH smart-money data?

13F: filed up to 45 days late.

Smart money on BFH

Lean long2 sources:
- Insiders
- Funds
Neutral1 source:
- Politicians

Top traders
No tracked positions at the last update
Insiders
Lean long2 buys · 1 sale
Form 4 filings, open market.
Politicians
- Donald Trump, President, sold $15K–$50K, disclosed May 14
- Donald Trump, President, bought $15K–$50K, disclosed May 14
Neutral · thin1 buy · 1 saleExecutive
Executive branch filings. Amounts are filing ranges, not prices, and filings can lag the trade.
Funds
Lean long2 added · 1 trimmed
Quarter-end 13F holdings changes, not live trades. A trim is not a short.
Fin-fluencers
No recent posts found

Each bar is 100% of that source’s money. The notch marks an even split.

Lean is the direction of the latest moves. Descriptive, not advice.

Questions about BFH filings

Are insiders buying or selling Bread Financial Holdings, Inc. (BFH) stock?

Which members of Congress have traded BFH recently?

None. No member of Congress disclosed a BFH trade with a trade date in the last 180 days, according to House and Senate STOCK Act filings.

How current is this BFH smart-money data?

Funds

What funds are doing

5 moves · 6 mo

Buys/Adds$214.6MSells/Trims$35.8M

Buys/Adds (2)

MI
Millennium
Israel Englander · Q2 2026 13F
$19.5M
added
Signals like this: n=13770, 53% finished lower at D15, median -0.4% vs SPY -0.4%
TC
Turtle Creek
Q1 2026 13F
$183.7M
added

Sells/Trims (1)

MI
Millennium
Israel Englander · Q1 2026 13F
$35.8M
trimmed
Signals like this: n=7469, 53% finished lower at D15, median -0.5% vs SPY -0.4%

2 more moves

Pro opens all of them for $16.50/month, paid yearly.

Unlock all 2 moves

Unlock everything for $29/month

Unlock for $29/month

Reported Oct 22, 2026

Earnings came in 18.8% above what analysts expected.

Documents

Quarterly report10-Q Annual report10-K Every filing

Last report

Oct 22, 2026

Period ending

Sep 30, 2026

Earnings per share

$3.84+18.78% beat

$3.23 expected

Revenue

$1.02B

SEC filing · Net of interest expense

EPS: Yahoo Finance

Next report

What the street expects next

Previous reports

Quarter / reported	Earnings per share	Beat or miss	Revenue / income	Revenue vs last year
Sep 30, 2026Reported Oct 22, 2026	$3.84est. $3.23	+18.78%beat	$1.02BSEC filing	+4.7%from $971.0M
Jun 30, 2026Reported Jul 23, 2026	$3.55est. $2.77	+28.26%beat	$993.0MSEC filing	+6.9%from $929.0M
Mar 31, 2026Reported Apr 23, 2026	$4.18est. $3.05	+37.03%beat	$1.02BSEC filing	+4.9%from $970.0M
Dec 31, 2025Reported Jan 29, 2026	$2.07est. $0.48	+$1.59beat	$1.17BAlpha Vantage	+1.6%from $1.16B
Sep 30, 2025Reported Oct 23, 2025	$4.02est. $2.11	+90.52%beat	$971.0MSEC filing	-1.2%from $983.0M
Jun 30, 2025Reported Jul 24, 2025	$3.14est. $1.94	+61.86%beat	$929.0MSEC filing	-1.1%from $939.0M
Mar 31, 2025Reported Apr 24, 2025	$2.90est. $2.23	+30.04%beat	$970.0MSEC filing	-2.1%from $991.0M
Dec 31, 2024Reported Jan 30, 2025	$0.41est. $0.32	+28.13%beat	$1.16BAlpha Vantage	-7.9%from $1.25B

Open: $106.09
52-wk high: $114.28
High: $107.28
52-wk low: $58.81
Low: $105.01
Prev close: $104.73
Mkt cap: $4.01B
P/E: 7.5x
ROE: +15.9%
Fwd P/E: 8.0x
Beta: 1.18
Div yield: 0.88%
P/S: 0.8x
P/B: 1.2x
Profit margin: +11.2%
Op margin: +14.5%

Dec 2025 to Sep 2026

What it sold, what it cost, what was left.

RevenueProfit

Dec 2025Mar 2026Jun 2026Sep 2026

Income statement, 4 periods, all values in US dollars
USD	Dec 2025	Mar 2026	Jun 2026	Sep 2026
What came in
RevenueTotal revenue	$1.17B	$1.21B	$1.19B	$1.22B
Cost of what it soldCost of revenue	$199.0M	$496.0M	$508.0M	$520.0M
Gross profit	$975.0M	$715.0M	$680.0M	$696.0M
What it spent
Sales and adminSelling, general and administrative	$511.0M	$220.0M	$225.0M	$228.0M
Other operating costsOperating costs not itemised in the filing's summary	$417.0M	$252.0M	$258.0M	$259.0M
Total operating expenses	$928.0M	$472.0M	$483.0M	$487.0M
What was left
Operating profitOperating income	$47.0M	$243.0M	$197.0M	$209.0M
Interest on debtInterest expense	$199.0M	$193.0M	$195.0M	$199.0M
Profit before tax	$47.0M	$243.0M	$197.0M	$209.0M
TaxIncome tax expense	-$6.0M	$62.0M	$51.0M	$53.0M
Net profitNet income	$53.0M	$181.0M	$146.0M	$156.0M
EBITDAEarnings before interest, tax, depreciation, amortisation	$66.0M	$262.0M	$215.0M	$209.0M

Technicals

Price structure

This stock is in a strong uptrend.

Trend

Strong uptrend

100 / 100

RSI 14

59balanced

20D volatility

36%annualized

52-week range

$105.66

$58.81$114.28

20D support

$96.15recent floor

20D resistance

$109.43recent ceiling

Returns

5D +3.1%20D +9.0%60D -5.7%

Price vs moving averages

SMA20 +3.9%SMA50 +1.8%SMA200 +15.7%

Volume pace

0.93xvs prior 20D

Bread Financial Holdings, Inc.

Smart money at a glance

What do analysts expect?

Questions about BFH filings

Smart money on BFH

Questions about BFH filings

What funds are doing

What insiders are doing

How top traders are positioned

Unlock everything for $29/month

Earnings came in 18.8% above what analysts expected.

What the street expects next

Previous reports

What it sold, what it cost, what was left.

Price structure

Ask it in Claude or ChatGPT.

Bread Financial Holdings, Inc.

Smart money at a glance

What do analysts expect?

Questions about BFH filings

Smart money on BFH

Questions about BFH filings

What funds are doing

What insiders are doing

How top traders are positioned

Unlock everything for $29/month

Earnings came in 18.8% above what analysts expected.

What the street expects next

Previous reports

What it sold, what it cost, what was left.

Price structure

Ask it in Claude or ChatGPT.

Bread Financial Holdings, Inc.

Overview

Questions about BFH filings

Smart money

Unlock everything for $29/month

Earnings

Previous reports

Financials

Technicals

Ask it in Claude or ChatGPT.

Bread Financial Holdings, Inc.

Overview

Questions about BFH filings

Smart money

Unlock everything for $29/month

Earnings

Previous reports

Financials

Technicals

Ask it in Claude or ChatGPT.