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Bread Financial Holdings, Inc.

Stage 3 · Topping · week 2

As of Oct 22, 2026, Bread Financial Holdings is in Stage 3, the topping phase, now in week 2 (since Oct 15, 2026). It closed at $102.45, 9.5% below its 52-week high and above its 200-day average, which is rising.

Bread Financial Holdings, Inc. provides tech-forward payment and lending solutions to customers and consumer-based industries in North America. More about the company

$102.45
-5.69% today
$3.9B · Mid cap
Market Neutral — Building

Pro read

Pro

Our read

Topping: the uptrend is tiring

Setup score

—

Momentum

Steady

Edge

—

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Stage Cycle Timeline2023-08-16 → 2026-10-22
S2 35w
S2 14w
S2 14w
S2 27w
2023-08-162026-10-22
S1S2S3S4Setup score (0–10, dashed line at 5)
S2 7w → S3 4w → S4 9w → S1 5w → S2 35w → S3 6w → S2 14w → S3 6w → S4 7w → S1 7w → S2 12w → S3 4w → S2 3w → S3 1w → S2 14w → S3 4w → S2 27w → S3 1w current
Total tracked: 166 weeks across 18 stage runs.

BFH among Credit Services4th of 53 by relative strength

All 53 →
Stocks in Credit Services ranked by relative strength, with stage and one-month change
#StockStageRS1M
1ECPGStage 2 · wk 5596+6.2%
2SEZLStage 3 · wk 893+30.3%
3OPRTStage 2 · wk 1891+9.8%
4BFHStage 3 · wk 291+3.3%
5EZPWStage 2 · wk 191−2.8%
6PMTSStage 2 · wk 2591+12.3%
7ATLCStage 3 · wk 690+0.6%
8TROOStage 4 · wk 1289+26.8%
vs 52W High
-9.5%
$59.52 lo$113.15 hi
9.5% below 52W high, weakening from peak
The stock is rolling over from its 52-week high. In Stage 3 distribution, new long positions carry high risk.
Stage Maturity
Week 2
1w13w26w
Week 2, early distribution
How long this stock has been in Stage 3 distribution. Longer tops often precede deeper Stage 4 declines.
vs 200 DMA
13.0%
200 DMA: $90.63 · rising
Stock is losing its 200 DMA. Once lost, it confirms Stage 4 risk. This is a major red flag for existing holders.
Rel Volume
1.93x
vs 50-day avg
Volume spikes on down days during Stage 3 signal distribution, with institutions exiting. Stage analysis reads that as a warning against new long positions.
Trend Health
↓
Short-term trend rolling over
Two reads of momentum. The arrow shows the direction of the short-term trend: rising (↑ or ↗), flat (→) or rolling over (↓). The ⇈ mark appears when our trend model reads the move as gaining speed on top of the longer trend. Strongest when both agree.
1M
+3.3%
3M
-1.6%
6M
+11.7%
YTD
+37.1%
1Y
+70.1%
Scan Membership
Breakout Watch
Latest: 2024-11-21
6 appearances in last 60 days. First seen: 2018-10-16.
A stock that keeps qualifying week after week does so because its Stage 2 structure keeps holding. Staying power in the scan says more about the trend than any single appearance.
Recent Stage Timeline
2026-10-22S3
Wk 2 · Vol 1.93x
2026-10-21S3
Wk 1 · Vol 1.14x
2026-10-20S3
Wk 1 · Vol 1.48x
2026-10-19S3
Wk 1 · Vol 0.98x
2026-10-16S3
Wk 1 · Vol 1.17x
2026-10-15S32→3
Wk 1 · Vol 0.93x
2026-10-14S2
Wk 26 · Vol 0.88x
2026-10-13S2
Wk 26 · Vol 0.77x
2026-10-12S2
Wk 26 · Vol 0.81x
2026-10-09S2
Wk 26 · Vol 1.40x
2026-10-08S2
Wk 26 · Vol 1.11x
2026-10-07S2
Wk 25 · Vol 0.96x
Moving averages & range
50 DMA
$104.56
200 DMA
$90.63
52W High
$113.15
52W Low
$59.52
5D Low
$102.45
Resistance levels (recent highs)
20d High
$108.63
60d High
$113.15
120d High
$113.15
250d High
$113.15
Next resistance
+6.0%
to 20d High
P/E (TTM)
8.0
Forward 7.5
Earnings Growth (YoY)
+21.2%
Revenue +3.8%
ROE
+17.4%
Profit margin +21.4%
Dividend Yield
0.85%
P/B 1.2

Bread Financial Holdings: quick answers

What stage is Bread Financial Holdings in?

As of Oct 22, 2026, Bread Financial Holdings (BFH) is in Stage 3, the topping phase. It entered Stage 3 on Oct 15, 2026 and is in week 2. What the four stages mean

Is Bread Financial Holdings in an uptrend?

Its uptrend has stalled. Bread Financial Holdings is in Stage 3, the topping phase that follows an advance. It trades 13.0% above its 200-day average, which is rising.

How far is Bread Financial Holdings from its 52-week high?

Bread Financial Holdings closed at $102.45 on Oct 22, 2026, 9.5% below its 52-week high of $113.15. Its 52-week low is $59.52.

How has Bread Financial Holdings performed over the past year?

As of Oct 22, 2026, Bread Financial Holdings is up 70.1% over the past year and up 37.1% so far in 2026.

Which sector and industry is Bread Financial Holdings in?

Bread Financial Holdings is in the Credit Services industry, part of the Financials sector.

About this companyFinancials· Credit Services

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.

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All analytics based on EOD data. Data as of 2026-10-22. Past data patterns are not indicative of future results. This page is a data analytics tool only.