Bread Financial Holdings Inc
Bread Financial Holdings Inc (BFH) Covered Calls
As of September 25, 2026, BFH has 24 covered call opportunities in the coming three months. Return ranges from 3.0 to 41.5% until expiration. Annualized return ranges from 21.6 to 179.4%. The nearest expiration is October 16, 2026. Maximum potential profit is $4,116.
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Running BFH covered calls helps you generate consistent income from Bread Financial Holdings Inc's shares you already own, turning a long stock position into a yield-producing asset. A covered call on Bread Financial Holdings Inc involves holding the underlying stock and selling a call option against it, collecting premium in exchange for capping upside at the strike price. Use our scanner to find the best BFH covered calls in real time and filter for the strikes, expiries, and premiums that fit your strategy.
A covered call is one of the most widely used options strategies because it pairs limited risk with a clear income profile: if BFH stays below the strike at expiration, you keep the premium and the shares; if it rises above, you deliver the stock at the strike and still pocket the premium. Selling BFH covered calls works best when implied volatility is elevated, since richer premiums improve the risk-reward. Key inputs to evaluate include strike selection relative to delta, days to expiration, annualized return, and the probability of assignment — all of which determine whether a given Bread Financial Holdings Inc covered call is worth writing.
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, account origination, and funding services for approximately 130 private label and co-brand credit card programs, as well as through Bread partnerships to approximately 500 small-and medium-sized businesses merchants; and Comenity-branded general purpose cash-back credit. The company also manages and services the loans it originates for private label, co-brand, and general-purpose credit card programs and Bread BNPL (installment loans, 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, 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, including installment and split-pay solutions. 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 founded in 1996 and is headquartered in Columbus, Ohio.
Income-focused investors, long-term BFH holders, and systematic premium sellers all face the same challenge: finding the covered call strike and expiry that balances yield against the risk of being called away. Our scanner ranks covered calls by annualized return, downside protection, and probability of profit, so selling BFH covered calls becomes a measured decision instead of a guess. Stop eyeballing the chain — let the best Bread Financial Holdings Inc covered calls come to you, already filtered for the metrics that matter.
Stock Statistics
- IndustryCredit Services
- SectorFinancial
- IV percentile57.94% Neutral
- Market cap (M$)3,954
- 52 weeks high-10.15%
- 52 weeks low91.18%
- Analyst recommendationBuy
2.12 - Target price$116.73
15.95% above the current stock price - Dividend—
- Payout ratio7.90%
- Earnings date2026-10-22
- P/E8.05
- Future P/E7.52
- EPS (ttm)12.79
- EPS growth next 5 years10.15%
As of September 25, 2026
| 2026-10-16 | 23 | 110.00 | 10.90 | 0.40 | 2.85 | 1121.00 | 11.30 | 179.35 | -0.40 | +0.23 | 31 | 2.45 |
| 2026-12-18 | 86 | 140.00 | 41.14 | 0.30 | 2.80 | 4111.00 | 41.45 | 175.90 | -0.30 | +0.13 | 6 | 2.50 |
| 2026-11-20 | 58 | 120.00 | 20.98 | 0.30 | 3.30 | 2111.00 | 21.28 | 133.93 | -0.30 | +0.19 | 12 | 3.00 |
| 2026-12-18 | 86 | 125.00 | 26.02 | 0.25 | 3.40 | 2606.00 | 26.27 | 111.51 | -0.25 | +0.18 | 0 | 3.15 |
| 2026-11-20 | 58 | 115.00 | 15.94 | 1.40 | 3.70 | 1721.00 | 17.35 | 109.19 | -1.41 | +0.25 | 22 | 2.30 |
| 2026-10-16 | 23 | 105.00 | 5.86 | 0.60 | 3.60 | 641.00 | 6.46 | 102.55 | -0.60 | +0.32 | 2 | 3.00 |
| 2026-12-18 | 86 | 120.00 | 20.98 | 1.60 | 3.70 | 2241.00 | 22.59 | 95.89 | -1.61 | +0.23 | 12 | 2.10 |
| 2027-03-19 | 177 | 140.00 | 41.14 | 0.35 | 3.60 | 4116.00 | 41.50 | 85.57 | -0.35 | +0.15 | 1 | 3.25 |
| 2026-11-20 | 58 | 110.00 | 10.90 | 2.60 | 4.30 | 1341.00 | 13.52 | 85.08 | -2.62 | +0.33 | 14 | 1.70 |
| 2027-03-19 | 177 | 135.00 | 36.10 | 1.90 | 2.80 | 3771.00 | 38.02 | 78.40 | -1.92 | +0.18 | 0 | 0.90 |
As of September 25, 2026
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