Bread Financial (BFH) Options Chain

NYSE: BFHConsumer DiscretionaryBusiness ServicesUSD

100.58-0.15 (-0.15%)

At close: Oct 9, 4:00 PM ET · Delayed 15 min

Expiration date

Expiration: Nov 20, 2026
Days to expiration: 40
Share price: $100.58
Put/call ratio (OI): 5.82
Put/call ratio (volume): 10.15
ATM implied volatility: 53.0%
Expected move: ±$17.64
Open interest (C / P): 259 / 1.51K

BFH options summary

The BFH options chain for the November 20, 2026 expiration lists 25 call and 22 put contracts, with 40 days until expiration. Open interest stands at 259 calls and 1,508 puts, a put/call ratio of 5.82, which is more bearish, with puts outnumbering calls. At-the-money implied volatility near the $100.00 strike is 53.0%, which implies the market expects a move of about ±$17.64 (17.5%) in Bread Financial stock by expiration.

The most open interest sits at the $100.00 call (55 contracts) and the $80.00 put (1.00K contracts).

Summary generated from market data by MetaCap's automated system. Methodology

BFH options chain · November 20, 2026

BFH calls and puts by strike price. Shaded cells are in the money.
Calls							Puts
OI	Vol	IV	Last	Bid	Ask	Strike	Bid	Ask	Last	IV	Vol	OI
2	—	—	28.70	31.00	35.00	30.00	—	—	—	—	—	—
1	1	—	37.94	37.60	40.70	32.50	0.00	2.50	0.75	226.9%	—	1
—	—	—	—	—	—	35.00	0.00	0.00	0.80	50.0%	1	0
—	—	—	—	—	—	37.50	0.00	0.00	1.10	50.0%	—	0
—	—	—	—	—	—	40.00	0.00	2.85	1.20	194.9%	20	21
—	—	—	—	—	—	47.50	0.00	0.00	1.55	50.0%	1	0
0	30	—	25.24	0.00	0.00	57.50	—	—	—	—	—	—
1	—	—	17.33	16.00	19.50	60.00	0.40	4.00	5.10	135.3%	—	2
2	1	80.0%	44.73	34.00	38.10	65.00	—	—	—	—	—	—
1	1	—	16.19	11.50	16.00	67.50	0.80	4.30	3.60	116.6%	1	1
—	—	—	—	—	—	70.00	0.00	0.60	0.40	62.6%	10	409
1	1	—	13.70	9.00	13.70	72.50	1.80	5.20	3.61	113.9%	1	1
0	1	186.8%	35.82	35.10	38.10	75.00	0.00	0.00	10.18	25.0%	9	0
0	1	—	37.42	0.00	0.00	77.50	0.00	2.05	0.65	64.0%	—	1
0	1	—	32.80	0.00	0.00	80.00	0.00	2.85	1.25	64.3%	1,000	1,005
0	11	—	29.65	0.00	0.00	82.50	0.00	3.10	1.50	59.8%	—	1
3	1	55.6%	18.20	16.00	18.60	85.00	0.20	2.80	2.17	52.9%	1	5
1	1	143.6%	28.45	23.40	26.90	87.50	1.30	2.20	1.71	54.6%	2	2
46	3	105.0%	14.68	17.70	20.80	90.00	1.20	3.80	2.60	50.8%	1	6
12	—	100.1%	15.45	15.70	18.90	92.50	—	—	—	—	—	—
45	25	120.6%	17.29	17.30	19.90	95.00	2.45	5.00	4.23	57.2%	2	47
55	1	53.1%	5.10	4.80	7.40	100.00	3.70	6.80	7.80	52.9%	1	4
BFH $100.58
22	1	61.4%	3.27	2.90	6.40	105.00	0.00	0.00	7.52	—	4	0
18	1	55.7%	2.50	1.20	4.00	110.00	10.50	13.20	7.98	53.9%	1	2
16	2	60.3%	1.36	0.10	3.30	115.00	0.00	0.00	12.60	—	62	0
11	4	45.9%	1.01	0.05	1.05	120.00	0.00	0.00	15.33	—	10	0
11	13	52.8%	0.50	0.00	1.05	125.00	—	—	—	—	—	—
7	7	59.7%	0.05	0.00	2.15	130.00	—	—	—	—	—	—
3	3	65.7%	0.30	0.00	2.15	135.00	—	—	—	—	—	—
1	1	71.0%	1.05	0.00	2.10	140.00	—	—	—	—	—	—

In-the-money callsIn-the-money puts. IV = implied volatility, OI = open interest (contracts). Each contract covers 100 shares. Quotes delayed at least 15 minutes.

Frequently asked questions

What is the BFH put/call ratio?

For the November 20, 2026 expiration, the BFH put/call ratio based on open interest is 5.82 (1,508 puts vs 259 calls), and 10.15 based on today's volume. A ratio above 1 means more puts than calls.

What is BFH's implied volatility?

At-the-money implied volatility for BFH options expiring November 20, 2026 is about 53.0%, an annualized estimate of how much the market expects Bread Financial stock to move.

How many BFH option expiration dates are there?

BFH has 4 listed expiration dates, from Oct 16, 2026 to Mar 19, 2027.

What does "in the money" mean?

A call is in the money when the strike price is below the current share price; a put is in the money when the strike is above it. In-the-money contracts have intrinsic value and are shaded in the table.