Bread Financial Stock Forward View

BFH Stock  USD 76.50  1.10  1.46%   
Bread Stock outlook is based on your current time horizon. We suggest always using this module together with an analysis of Bread Financial's historical fundamentals, such as revenue growth or operating cash flow patterns.
As of 5th of February 2026, The relative strength indicator of Bread Financial's share price is at 57 suggesting that the stock is in nutural position, most likellhy at or near its resistance level. The main idea of RSI analysis is to track how fast people are buying or selling Bread Financial, making its price go up or down.

Momentum 57

 Buy Extended

 
Oversold
 
Overbought
The successful prediction of Bread Financial's future price could yield a significant profit. We analyze noise-free headlines and recent hype associated with Bread Financial Holdings, which may create opportunities for some arbitrage if properly timed. Below are the key fundamental drivers impacting Bread Financial's stock price prediction:
Quarterly Earnings Growth
7.219
EPS Estimate Next Quarter
2.7595
EPS Estimate Current Year
9.976
EPS Estimate Next Year
11.6981
Wall Street Target Price
82.4
Using Bread Financial hype-based prediction, you can estimate the value of Bread Financial Holdings from the perspective of Bread Financial response to recently generated media hype and the effects of current headlines on its competitors. We also analyze overall investor sentiment towards Bread Financial using Bread Financial's stock options and short interest. It helps to benchmark the overall future attitude of investors towards Bread using crowd psychology based on the activity and movement of Bread Financial's stock price.

Bread Financial Short Interest

A significant increase or decrease in Bread Financial's short interest from the previous month could be a good indicator of investor sentiment towards Bread. Short interest can provide insight into the potential direction of Bread Financial stock and how bullish or bearish investors feel about the market overall.
200 Day MA
61.8686
Short Percent
0.1401
Short Ratio
5.26
Shares Short Prior Month
5.2 M
50 Day MA
73.0782

Bread Relative Strength Index

The Naive Prediction forecasted value of Bread Financial Holdings on the next trading day is expected to be 80.14 with a mean absolute deviation of 1.35 and the sum of the absolute errors of 83.56.

Bread Financial Holdings Hype to Price Pattern

Investor biases related to Bread Financial's public news can be used to forecast risks associated with an investment in Bread. The trend in average sentiment can be used to explain how an investor holding Bread can time the market purely based on public headlines and social activities around Bread Financial Holdings. Please note that most equities that are difficult to arbitrage are affected by market sentiment the most.
Some investors profit by finding stocks that are overvalued or undervalued based on market sentiment. The correlation of Bread Financial's market sentiment to its price can help taders to make decisions based on the overall investors consensus about Bread Financial.

Bread Financial Implied Volatility

    
  0.46  
Bread Financial's implied volatility exposes the market's sentiment of Bread Financial Holdings stock's possible movements over time. However, it does not forecast the overall direction of its price. In a nutshell, if Bread Financial's implied volatility is high, the market thinks the stock has potential for high price swings in either direction. On the other hand, the low implied volatility suggests that Bread Financial stock will not fluctuate a lot when Bread Financial's options are near their expiration.
The Naive Prediction forecasted value of Bread Financial Holdings on the next trading day is expected to be 80.14 with a mean absolute deviation of 1.35 and the sum of the absolute errors of 83.56.

Bread Financial after-hype prediction price

    
  USD 76.5  
There is no one specific way to measure market sentiment using hype analysis or a similar predictive technique. This prediction method should be used in combination with more fundamental and traditional techniques such as stock price forecasting, technical analysis, analysts consensus, earnings estimates, and various momentum models.
Check out Historical Fundamental Analysis of Bread Financial to cross-verify your projections.

Prediction based on Rule 16 of the current Bread contract

Based on the Rule 16, the options market is currently suggesting that Bread Financial Holdings will have an average daily up or down price movement of about 0.0288% per day over the life of the 2026-05-15 option contract. With Bread Financial trading at USD 76.5, that is roughly USD 0.022 . If you think that the market is fully incorporating Bread Financial's daily price movement you should consider acquiring Bread Financial Holdings options at the current volatility level of 0.46%. But if you have an opposite viewpoint you should avoid it and even consider selling them.

Open Interest Against 2026-05-15 Bread Option Contracts

Although open interest is a measure utilized in the options markets, it could be used to forecast Bread Financial's spot prices because the number of available contracts in the market changes daily, and new contracts can be created or liquidated at will. Since open interest in Bread Financial's options reflects these daily shifts, investors could use the patterns of these changes to develop long and short-term trading strategies for Bread Financial stock based on available contracts left at the end of a trading day.
Please note that to derive more accurate forecasting about market movement from the current Bread Financial's open interest, investors have to compare it to Bread Financial's spot prices. As Ford's stock price increases, high open interest indicates that money is entering the market, and the market is strongly bullish. Conversely, if the price of Bread Financial is decreasing and there is high open interest, that is a sign that the bearish trend will continue, and investors may react by taking short positions in Bread. So, decreasing or low open interest during a bull market indicates that investors are becoming uncertain of the depth of the bullish trend, and a reversal in sentiment will likely follow.

Bread Financial Additional Predictive Modules

Most predictive techniques to examine Bread price help traders to determine how to time the market. We provide a combination of tools to recognize potential entry and exit points for Bread using various technical indicators. When you analyze Bread charts, please remember that the event formation may indicate an entry point for a short seller, and look at other indicators across different periods to confirm that a breakdown or reversion is likely to occur.

Bread Financial Cash Forecast

Predicting cash flow or other financial metrics requires analysts to utilize a variety of statistical methods, techniques, and algorithms. These tools help uncover hidden patterns in the Bread Financial's financial statements, enabling forecasts of their impact on future stock prices.
 
Cash  
First Reported
2000-12-31
Previous Quarter
3.8 B
Current Value
3.6 B
Quarterly Volatility
1.6 B
 
Housing Crash
 
Credit Downgrade
 
Yuan Drop
 
Covid
 
Interest Hikes
A naive forecasting model for Bread Financial is a special case of the moving average forecasting where the number of periods used for smoothing is one. Therefore, the forecast of Bread Financial Holdings value for a given trading day is simply the observed value for the previous period. Due to the simplistic nature of the naive forecasting model, it can only be used to forecast up to one period.

Bread Financial Naive Prediction Price Forecast For the 6th of February

Given 90 days horizon, the Naive Prediction forecasted value of Bread Financial Holdings on the next trading day is expected to be 80.14 with a mean absolute deviation of 1.35, mean absolute percentage error of 3.67, and the sum of the absolute errors of 83.56.
Please note that although there have been many attempts to predict Bread Stock prices using its time series forecasting, we generally do not suggest using it to place bets in the real market. The most commonly used models for forecasting predictions are the autoregressive models, which specify that Bread Financial's next future price depends linearly on its previous prices and some stochastic term (i.e., imperfectly predictable multiplier).

Bread Financial Stock Forecast Pattern

Backtest Bread Financial  Bread Financial Price Prediction  Research Analysis  

Bread Financial Forecasted Value

In the context of forecasting Bread Financial's Stock value on the next trading day, we examine the predictive performance of the model to find good statistically significant boundaries of downside and upside scenarios. Bread Financial's downside and upside margins for the forecasting period are 77.60 and 82.68, respectively. We have considered Bread Financial's daily market price to evaluate the above model's predictive performance. Remember, however, there is no scientific proof or empirical evidence that traditional linear or nonlinear forecasting models outperform artificial intelligence and frequency domain models to provide accurate forecasts consistently.
Market Value
76.50
80.14
Expected Value
82.68
Upside

Model Predictive Factors

The below table displays some essential indicators generated by the model showing the Naive Prediction forecasting method's relative quality and the estimations of the prediction error of Bread Financial stock data series using in forecasting. Note that when a statistical model is used to represent Bread Financial stock, the representation will rarely be exact; so some information will be lost using the model to explain the process. AIC estimates the relative amount of information lost by a given model: the less information a model loses, the higher its quality.
AICAkaike Information Criteria121.2482
BiasArithmetic mean of the errors None
MADMean absolute deviation1.3477
MAPEMean absolute percentage error0.0186
SAESum of the absolute errors83.5598
This model is not at all useful as a medium-long range forecasting tool of Bread Financial Holdings. This model is simplistic and is included partly for completeness and partly because of its simplicity. It is unlikely that you'll want to use this model directly to predict Bread Financial. Instead, consider using either the moving average model or the more general weighted moving average model with a higher (i.e., greater than 1) number of periods, and possibly a different set of weights.

Predictive Modules for Bread Financial

There are currently many different techniques concerning forecasting the market as a whole, as well as predicting future values of individual securities such as Bread Financial Holdings. Regardless of method or technology, however, to accurately forecast the stock market is more a matter of luck rather than a particular technique. Nevertheless, trying to predict the stock market accurately is still an essential part of the overall investment decision process. Using different forecasting techniques and comparing the results might improve your chances of accuracy even though unexpected events may often change the market sentiment and impact your forecasting results.
Hype
Prediction
LowEstimatedHigh
73.9876.5079.02
Details
Intrinsic
Valuation
LowRealHigh
65.5768.0984.15
Details
Bollinger
Band Projection (param)
LowMiddleHigh
65.5273.3881.23
Details
16 Analysts
Consensus
LowTargetHigh
74.9882.4091.46
Details
Please note, it is not enough to conduct a financial or market analysis of a single entity such as Bread Financial. Your research has to be compared to or analyzed against Bread Financial's peers to derive any actionable benefits. When done correctly, Bread Financial's competitive analysis will give you plenty of quantitative and qualitative data to validate your investment decisions or develop an entirely new strategy toward taking a position in Bread Financial Holdings.

Bread Financial After-Hype Price Density Analysis

As far as predicting the price of Bread Financial at your current risk attitude, this probability distribution graph shows the chance that the prediction will fall between or within a specific range. We use this chart to confirm that your returns on investing in Bread Financial or, for that matter, your successful expectations of its future price, cannot be replicated consistently. Please note, a large amount of money has been lost over the years by many investors who confused the symmetrical distributions of Stock prices, such as prices of Bread Financial, with the unreliable approximations that try to describe financial returns.
   Next price density   
       Expected price to next headline  

Bread Financial Estimiated After-Hype Price Volatility

In the context of predicting Bread Financial's stock value on the day after the next significant headline, we show statistically significant boundaries of downside and upside scenarios based on Bread Financial's historical news coverage. Bread Financial's after-hype downside and upside margins for the prediction period are 73.98 and 79.02, respectively. We have considered Bread Financial's daily market price in relation to the headlines to evaluate this method's predictive performance. Remember, however, there is no scientific proof or empirical evidence that news-based prediction models compare with traditional linear, nonlinear models or artificial intelligence models to provide accurate predictions consistently.
Current Value
76.50
76.50
After-hype Price
79.02
Upside
Bread Financial is very steady at this time. Analysis and calculation of next after-hype price of Bread Financial Holdings is based on 3 months time horizon.

Bread Financial Stock Price Outlook Analysis

Have you ever been surprised when a price of a Company such as Bread Financial is soaring high without any particular reason? This is usually happening because many institutional investors are aggressively trading Bread Financial backward and forwards among themselves. Have you ever observed a lot of a particular company's price movement is driven by press releases or news about the company that has nothing to do with actual earnings? Usually, hype to individual companies acts as price momentum. If not enough favorable publicity is forthcoming, the Stock price eventually runs out of speed. So, the rule of thumb here is that as long as this news hype has nothing to do with immediate earnings, you should pay more attention to it. If you see this tendency with Bread Financial, there might be something going there, and it might present an excellent short sale opportunity.
Expected ReturnPeriod VolatilityHype ElasticityRelated ElasticityNews DensityRelated DensityExpected Hype
  0.34 
2.54
  0.48 
  0.02 
9 Events / Month
5 Events / Month
In about 9 days
Latest traded priceExpected after-news pricePotential return on next major newsAverage after-hype volatility
76.50
76.50
0.00 
178.87  
Notes

Bread Financial Hype Timeline

On the 5th of February Bread Financial Holdings is traded for 76.50. The entity has historical hype elasticity of -0.48, and average elasticity to hype of competition of 0.02. Bread is forecasted not to react to the next headline, with the price staying at about the same level, and average media hype impact volatility is about 178.87%. The immediate return on the next news is forecasted to be very small, whereas the daily expected return is currently at 0.34%. %. The volatility of related hype on Bread Financial is about 3874.58%, with the expected price after the next announcement by competition of 76.52. About 99.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 1.0. Some equities with similar Price to Book (P/B) outperform the market in the long run. Bread Financial Holdings has Price/Earnings To Growth (PEG) ratio of 0.52. The entity recorded earning per share (EPS) of 10.02. The firm last dividend was issued on the 27th of February 2026. Bread Financial had 1253:1000 split on the 8th of November 2021. Considering the 90-day investment horizon the next forecasted press release will be in about 9 days.
Check out Historical Fundamental Analysis of Bread Financial to cross-verify your projections.

Bread Financial Related Hype Analysis

Having access to credible news sources related to Bread Financial's direct competition is more important than ever and may enhance your ability to predict Bread Financial's future price movements. Getting to know how Bread Financial's peers react to changing market sentiment, related social signals, and mainstream news is a great way to find investing opportunities and time the market. The summary table below summarizes the essential lagging indicators that can help you analyze how Bread Financial may potentially react to the hype associated with one of its peers.
Hype
Elasticity
News
Density
Semi
Deviation
Information
Ratio
Potential
Upside
Value
At Risk
Maximum
Drawdown
WUWestern Union Co 0.12 9 per month 1.53  0.03  3.59 (2.52) 7.91 
ENVAEnova International 1.63 9 per month 1.90  0.14  3.67 (2.92) 19.40 
WSBCWesBanco 0.32 8 per month 1.27  0.17  2.95 (1.68) 9.48 
NMIHNMI Holdings 0.82 9 per month 1.74  0.06  2.43 (2.46) 12.17 
BHFBrighthouse Financial(0.19)11 per month 0.65  0.12  0.67 (0.57) 31.02 
WSFSWSFS Financial 0.05 6 per month 0.97  0.21  2.96 (1.40) 8.78 
TBBKThe Bancorp(1.53)9 per month 0.00 (0.11) 4.40 (4.55) 20.77 
ETOReToro Group(0.55)11 per month 0.00 (0.18) 5.19 (4.92) 14.35 
KMPRKemper(0.08)34 per month 0.00 (0.11) 2.31 (3.07) 14.64 

Other Forecasting Options for Bread Financial

For every potential investor in Bread, whether a beginner or expert, Bread Financial's price movement is the inherent factor that sparks whether it is viable to invest in it or hold it better. Bread Stock price charts are filled with many 'noises.' These noises can hugely alter the decision one can make regarding investing in Bread. Basic forecasting techniques help filter out the noise by identifying Bread Financial's price trends.

Bread Financial Related Equities

One of the popular trading techniques among algorithmic traders is to use market-neutral strategies where every trade hedges away some risk. Because there are two separate transactions required, even if one position performs unexpectedly, the other equity can make up some of the losses. Below are some of the equities that can be combined with Bread Financial stock to make a market-neutral strategy. Peer analysis of Bread Financial could also be used in its relative valuation, which is a method of valuing Bread Financial by comparing valuation metrics with similar companies.
 Risk & Return  Correlation

Bread Financial Market Strength Events

Market strength indicators help investors to evaluate how Bread Financial stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing, and determine when trading Bread Financial shares will generate the highest return on investment. By undertsting and applying Bread Financial stock market strength indicators, traders can identify Bread Financial Holdings entry and exit signals to maximize returns.

Bread Financial Risk Indicators

The analysis of Bread Financial's basic risk indicators is one of the essential steps in accurately forecasting its future price. The process involves identifying the amount of risk involved in Bread Financial's investment and either accepting that risk or mitigating it. Along with some essential techniques for forecasting bread stock prices, we also provide a set of basic risk indicators that can assist in the individual investment decision or help in hedging the risk of your existing portfolios.
Please note, the risk measures we provide can be used independently or collectively to perform a risk assessment. When comparing two potential investments, we recommend comparing similar equities with homogenous growth potential and valuation from related markets to determine which investment holds the most risk.

Story Coverage note for Bread Financial

The number of cover stories for Bread Financial depends on current market conditions and Bread Financial's risk-adjusted performance over time. The coverage that generates the most noise at a given time depends on the prevailing investment theme that Bread Financial is classified under. However, while its typical story may have numerous social followers, the rapid visibility can also attract short-sellers, who usually are skeptical about Bread Financial's long-term prospects. So, having above-average coverage will typically attract above-average short interest, leading to significant price volatility.
When determining whether Bread Financial Holdings offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Bread Financial's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Bread Financial Holdings Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Bread Financial Holdings Stock:
Check out Historical Fundamental Analysis of Bread Financial to cross-verify your projections.
You can also try the Efficient Frontier module to plot and analyze your portfolio and positions against risk-return landscape of the market..
Is there potential for Consumer Finance market expansion? Will Bread introduce new products? Factors like these will boost the valuation of Bread Financial. Projected growth potential of Bread fundamentally drives upward valuation adjustments. Understanding fair value requires weighing current performance against future potential. All the valuation information about Bread Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
7.219
Dividend Share
0.86
Earnings Share
10.02
Revenue Per Share
55.62
Quarterly Revenue Growth
0.185
Investors evaluate Bread Financial Holdings using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating Bread Financial's intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Analysts utilize numerous techniques to assess fundamental value, seeking to purchase shares when trading prices fall beneath estimated intrinsic worth. External factors like market trends, sector rotation, and investor psychology can cause Bread Financial's market price to deviate significantly from intrinsic value.
It's important to distinguish between Bread Financial's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Bread Financial should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Conversely, Bread Financial's market price signifies the transaction level at which participants voluntarily complete trades.