Bread Financial Holdings Inc (BFH)
Bread Financial Holdings Inc. is a prominent provider of innovative lending and payment technology solutions, primarily serving customers and consumer-based industries across North America. Headquartered in Columbus, Ohio, the company leverages its expertise to enhance consumer financing experiences, facilitate streamlined payment processes, and drive growth for its partners. With a focus on digital transformation and customer-centric initiatives, Bread Financial is well-positioned to navigate the evolving landscape of financial services and capitalize on emerging market opportunities.
Stock Price Trends
Stock price trends estimated using linear regression.
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Key facts
- The primary trend is increasing.
- The growth rate of the primary trend is 41.45% per annum.
- BFH price at the close of October 30, 2025 was $61.91 and was inside the primary price channel.
- The secondary trend is increasing.
- The growth rate of the secondary trend is 12.69% per annum.
- BFH price at the close of October 30, 2025 was inside the secondary price channel.
Linear Regression Model
Model equation:
Yi = α + β × Xi + εi
Top border of price channel:
Exp(Yi) = Exp(a + b × Xi + 2 × s)
Bottom border of price channel:
Exp(Yi) = Exp(a + b × Xi – 2 × s)
where:
i - observation number
                        Yi - natural logarithm of BFH price
                        Xi - time index, 1 day interval
                        σ - standard deviation of εi
                        a - estimator of α
                        b - estimator of β
                        s - estimator of σ
                        Exp() - calculates the exponent of e
Primary Trend
Start date: 
                        End date: 
a =
b =
s =
Annual growth rate:
Exp(365 × b) – 1
                        = Exp(365 × ) – 1
                        = 
                    
Price channel spread:
Exp(4 × s) – 1
                        = Exp(4 × ) – 1
                        = 
                    
March 13, 2023 calculations
Top border of price channel:
Exp(Y)
                        = Exp(a + b × X + 2 × s)
                        = Exp(a + b ×  + 2 × s)
                        = Exp( +  ×  + 2 × )
                        = Exp()
                        = $
Bottom border of price channel:
Exp(Y)
                        = Exp(a + b × X – 2 × s)
                        = Exp(a + b ×  – 2 × s)
                        = Exp( +  ×  – 2 × )
                        = Exp()
                        = $
October 30, 2025 calculations
Top border of price channel:
Exp(Y)
                        = Exp(a + b × X + 2 × s)
                        = Exp(a + b ×  + 2 × s)
                        = Exp( +  ×  + 2 × )
                        = Exp()
                        = $
Bottom border of price channel:
Exp(Y)
                        = Exp(a + b × X – 2 × s)
                        = Exp(a + b ×  – 2 × s)
                        = Exp( +  ×  – 2 × )
                        = Exp()
                        = $
Description
- The primary trend is increasing.
- The growth rate of the primary trend is 41.45% per annum.
- BFH price at the close of October 30, 2025 was $61.91 and was inside the primary price channel.
Secondary Trend
Start date: 
                        End date: 
a =
b =
s =
Annual growth rate:
Exp(365 × b) – 1
                        = Exp(365 × ) – 1
                        = 
                    
Price channel spread:
Exp(4 × s) – 1
                        = Exp(4 × ) – 1
                        = 
                    
July 15, 2024 calculations
Top border of price channel:
Exp(Y)
                        = Exp(a + b × X + 2 × s)
                        = Exp(a + b ×  + 2 × s)
                        = Exp( +  ×  + 2 × )
                        = Exp()
                        = $
Bottom border of price channel:
Exp(Y)
                        = Exp(a + b × X – 2 × s)
                        = Exp(a + b ×  – 2 × s)
                        = Exp( +  ×  – 2 × )
                        = Exp()
                        = $
October 30, 2025 calculations
Top border of price channel:
Exp(Y)
                        = Exp(a + b × X + 2 × s)
                        = Exp(a + b ×  + 2 × s)
                        = Exp( +  ×  + 2 × )
                        = Exp()
                        = $
Bottom border of price channel:
Exp(Y)
                        = Exp(a + b × X – 2 × s)
                        = Exp(a + b ×  – 2 × s)
                        = Exp( +  ×  – 2 × )
                        = Exp()
                        = $
Description
- The secondary trend is increasing.
- The growth rate of the secondary trend is 12.69% per annum.
- BFH price at the close of October 30, 2025 was inside the secondary price channel.