BFHStockBREAD FINANCIAL HOLDINGS, INC.
Verdicts genuinely change. Free email alert the moment BFH's does — no target price to set, unlike "Alert" above.
Whether this company clears the published standards, and the filings behind that answer. The screen runs first and nothing on the trading side can override it.
Structure, momentum, positioning and levels. Separate from the Sharia verdict above, which this side never overrides.
Trade setup
Whether the technical picture shows an edge right now. Separate from the Sharia verdict, which this side never overrides.
Why this signal?
The factors behind the read, each shown with the figure it rests on, including the ones pointing the other way.
BREAD FINANCIAL HOLDINGS, INC. (BFH) is currently considered not halal (non-compliant), per In-house ratio engine (last assessed 2026-08-28). See the full ratio breakdown and business-activity screen below for the reasoning.
⚠️ Financial ratios are only half the screen, and this verdict does not rest on them. Our business-activity screen classifies BREAD FINANCIAL HOLDINGS, INC. under conventional finance, which is an excluded sector — so the verdict is non-compliant even though some ratios below pass. Business activity is a hard gate that ratio math never captures.
35 other Financials stocks pass this same screen. See compliant Financials stocks →
🕌 In-house Compliance Research
Computed from published company financials, balance sheet as of 2026-06-30. These ratios come from the issuer's own published statements rather than structured SEC data.
Business activity: conventional_finance
AAOIFI Fail 0 of 2 ratios pass
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 101.54% | 30.00% | Fail |
| Interest-bearing investments | 88.25% | 30.00% | Fail |
Usmani Fail 3 of 3 ratios pass
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 19.26% | 33.00% | Pass |
| Interest-bearing investments | 16.74% | 33.00% | Pass |
| Non-liquid assets | 83.26% | at least 20.00% | Pass |
MSCI Fail 2 of 2 ratios pass
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 19.26% | 33.33% | Pass |
| Cash + interest-bearing securities | 16.74% | 33.33% | Pass |
FTSE Fail 2 of 2 ratios pass
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 19.26% | 33.33% | Pass |
| Cash + interest-bearing securities | 16.74% | 33.33% | Pass |
Dow Jones Islamic Market Fail 0 of 2 ratios pass
Scored against a trailing-average market cap (24-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 142.47% | 33.00% | Fail |
| Cash + interest-bearing securities | 123.82% | 33.00% | Fail |
S&P Shariah Fail 0 of 2 ratios pass
Scored against a trailing-average market cap (36-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 165.52% | 33.00% | Fail |
| Cash + interest-bearing securities | 143.86% | 49.00% | Fail |
MSCI M-Series Fail 0 of 2 ratios pass
Scored against a trailing-average market cap (36-month), share-weighted by the issuer's own reported share counts — not today's market cap.
| Ratio | Value | Threshold | Result |
|---|---|---|---|
| Interest-bearing debt | 165.52% | 33.33% | Fail |
| Cash + interest-bearing securities | 143.86% | 33.33% | Fail |
Research only, not investment advice. Thresholds are each standard-setter's published limits; a ratio marked “at least” is a floor, not a ceiling.
How close is it to flipping?
Every current reading against its own line, closest first. A verdict is only as durable as that distance.
The numbers the ratios are built from
Read from BFH's own filings. Every percentage on this page is one of these lines divided by another, so the inputs are shown rather than asserted.
| Line | Figure | As reported | Read from |
|---|---|---|---|
| RevenueTotal revenue for the period | $4.5B | 2025-12-31 | Revenues |
| Interest-bearing debtShort and long-term borrowings | $4.3B | 2026-06-30 | LongTermDebtAndNonRecourseBorrowingsOfConsolidatedSecuritizationEntitiesAndDepositsCarryingAmount (label: 'Long Term Debt and Non Recourse Borrowings of Consolidated Securitization Entities and Deposits Carrying Amount', total role) |
| Cash and interest-bearing securitiesCash, equivalents and marketable securities | $3.8B | 2026-06-30 | CashCashEquivalentsRestrictedCashAndRestrictedCashEquivalents |
| Total assetsBalance sheet total | $22.5B | 2026-06-30 | Assets |
| Market capDenominator for AAOIFI | $4.3B | live quote | price x shares |
| 36-month average market capDenominator for S&P Shariah and MSCI M-Series | $2.6B | 756 trading days | closes x shares |
| 24-month average market capDenominator for Dow Jones Islamic Market | $3.0B | 504 trading days | closes x shares |
| Non-permissible revenueInterest and excluded income | $4.9B | 2025-12-31 | InterestAndDividendIncomeOperating |
Two dates, not one: a balance-sheet line and an income-statement line cover different windows by design, so each figure carries its own.
What changed, and when
Verdict history for BFH. A verdict that never moved is recorded too, so a quiet history reads as measured rather than missing.
- 2026-09-07 No change recorded No verdict change for BFH has been recorded since tracking began. The scan ledger records that the compliance detectors ran, not which symbols each pass covered.
ℹ️ no compliance scan has run for 3 days - this is not a reading of today
Pinch or scroll to zoom · drag to pan — both axes move · double-click to reset
Classic floor-trader pivots from the last completed daily bar. Highlighted pills are the levels bracketing the current price.
Price Forecast
The range is measured volatility (ATR over the horizon), not a target — a wider band means a more volatile asset, not a stronger view. The direction is the indicator tally below. Every forecast is recorded when made and scored against the real price when it comes due, including the wrong ones. Not a recommendation, and not a fatwa.
Technical Summary
Standard indicator thresholds (RSI 30/70, Stochastic 20/80, CCI ±100, Williams %R −80/−20, MACD histogram sign, price vs. average) computed on daily bars. A summary of what common indicators say — not a recommendation, and not this site's own trading verdict.
Every indicator, and what it reads
| Indicator | Value | Signal |
|---|---|---|
| RSI (14) | 55.40 | NEUTRAL |
| Stochastic %K (14) | 64.73 | NEUTRAL |
| CCI (20) | 101.09 | SELL |
| Williams %R (14) | -35.27 | NEUTRAL |
| MACD (12,26,9) | 0.47 | BUY |
| ROC (10) | 3.84 | BUY |
| Momentum (10) | 3.93 | BUY |
| EMA (10) | 104.83 | BUY |
| SMA (10) | 104.27 | BUY |
| EMA (20) | 103.91 | BUY |
| SMA (20) | 103.41 | BUY |
| EMA (30) | 103.65 | BUY |
| SMA (30) | 102.01 | BUY |
| EMA (50) | 103.47 | BUY |
| SMA (50) | 103.76 | BUY |
| EMA (100) | 101.12 | BUY |
| SMA (100) | 104.31 | BUY |
| EMA (200) | 91.68 | BUY |
| SMA (200) | 92.19 | BUY |
About BREAD FINANCIAL HOLDINGS, INC.
Financial Services · 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.
Background via Yahoo Finance — informational, not part of the verdict.
Average — needs more confirmation before sizing up
SMC — Top Down
Market structure by timeframe, read from real bars. A bias per timeframe rather than a forecast — timeframes disagreeing is information, not noise.
| Timeframe | Bias | Bars |
|---|---|---|
| 📅 Daily | BULLISH | 43 |
| ⏰ 4H | BULLISH | 37 |
| 🕐 1H | RANGING | 98 |
| ⏱ 15-Min | RANGING | 130 |
| ⏲ 5-Min | RANGING | 234 |
Momentum & Volume
Rate of change and relative volume against this symbol's own recent history. Momentum describes what price has done; it is not a claim about what it will do.
Peer Movement
How the rest of the sector moved over the same window. Context for a price move, never a cause of one.
Peer movement computing — it will appear here on its own.
Before you act on this
The questions worth asking about any verdict on this page, answered plainly.
Is this a fatwa?
No. HTR applies published screening standards to a company's own filings and shows the result under each one. It is research, not a religious ruling. For a ruling that applies to you, ask a qualified scholar.
Why can the standards disagree?
Because they measure different things. Some divide interest-bearing debt by market cap, others by total assets, and the thresholds differ too. The same filing can clear one line and cross another. HTR shows every verdict rather than averaging them into one label.
How often is this re-screened?
Ratios are recomputed when a new filing lands, and the whole watchlist is re-screened on a rolling basis. The date on the verdict above is the last time this symbol was actually recomputed, not the last time the page was built.
Do I need to purify dividends?
If a company earns some non-permissible income, many scholars hold that the same share of any dividend should be given away. The non-permissible income figure above is the number that calculation starts from — the purification calculator finishes it, showing the filing figures behind the ratio and both the proportional and the AAOIFI per-share convention.
Open research, not a fatwa. HTR applies published screening standards to filings and publishes what they say, including when they disagree. Nothing here is financial advice or a recommendation to buy or sell. Verdicts can change when new filings land.
Compare with
Same screen, different answers. Comparison is where the standards disagreeing becomes useful rather than confusing.
Peer screening computing — it will appear here on its own.
Insider Activity (90d)
Insider transactions reported in the last ninety days. Insiders sell for reasons that have nothing to do with a view, so a sale on its own is not a signal.
NO DATA 0 buys · 0 sells
COT Positioning — E-MINI S&P 500 - CHICAGO MERCANTILE EXCHANGE
The weekly CFTC Commitments of Traders report for the broad market it tracks, not for this symbol. Positioning context for the tape — it says nothing about this company.
NEUTRAL report date 2026-10-27 · Asset managers net 923449 (+22072)
AI Summary
Plain-language summary of the evidence already on this page — the Sharia screen, structure, momentum, and order flow above. It explains the read; it doesn't make the call. Generated on demand (a live AI call), never run automatically.