📡 BFH — Bread Financial Holdings, Inc.
Price-Time Intelligence · decision-support only — not recommendations, not predictions · as of 10/06/2026
Last price (Close)
96.45 +2.37%
Next window · Gann 60 · in 12 days
22/06/2026
Last window · Gann 30 · 05/06/2026
since +5.86%
Daily chart · hover for price & date
Reference points
Last major low · 02/03/2026
68.53
Days: 70 trading / 100 calendar · return since: +40.74%
Last major high · 23/04/2026
99.13
Days: 33 trading / 48 calendar · return since: -2.70%
Price-Time Watch Windows
| Reference point | Cycle | Counting | Target date | Distance | Status |
|---|
| Low 02/03/2026 @ 68.53 | Gann 60 | Trading | 27/05/2026 | -10 (±2) | Passed |
| Low 02/03/2026 @ 68.53 | Gann 90 | Calendar | 31/05/2026 | -10 (±3) | Passed |
| High 23/04/2026 @ 99.13 | Gann 30 | Trading | 05/06/2026 | -3 (±2) | Passed |
| High 23/04/2026 @ 99.13 | Gann 45 | Calendar | 07/06/2026 | -3 (±2) | Passed |
| High 23/04/2026 @ 99.13 | Gann 60 | Calendar | 22/06/2026 | +12 (±2) | Upcoming |
| High 23/04/2026 @ 99.13 | Gann 45 | Trading | 26/06/2026 | +12 (±2) | Upcoming |
| Low 02/03/2026 @ 68.53 | Gann 120 | Calendar | 30/06/2026 | +20 (±3) | Upcoming |
| Low 02/03/2026 @ 68.53 | Gann 90 | Trading | 08/07/2026 | +20 (±3) | Upcoming |
| High 23/04/2026 @ 99.13 | Gann 60 | Trading | 17/07/2026 | +27 (±2) | Upcoming |
| High 23/04/2026 @ 99.13 | Gann 90 | Calendar | 22/07/2026 | +42 (±3) | Upcoming |
| Low 02/03/2026 @ 68.53 | Gann 144 | Calendar | 24/07/2026 | +44 (±3) | Upcoming |
Chronological: recent past → active → upcoming. 'Near a window' is context only, not a signal.
Date Echo — seasonal anniversary
What happened around the same calendar date in prior years. n ≈ number of years — descriptive, not an edge. Each window separately, every number vs baseline.
Passed 27/05/2026 · Low Gann 60/Trading · 9 years — Small sample
10 days: Avg -2.47% · Win 44% · DD -7.30%20 days: Avg -2.84% · Win 56% · DD -9.26%
Open Date Echo · 9 years
| Year | Actual date | Close | Context | 5d | 10d | 20d | Max DD 20d | Max Gain 20d |
|---|
| 2025 | 27/05/2025 | 52.28 | neutral | -0.42% | -0.02% | +7.00% | -5.47% | +7.00% |
| 2024 | 28/05/2024 | 41.45 | near 52w high | -1.13% | -7.07% | +4.66% | -7.07% | +6.22% |
| 2023 | 26/05/2023 | 29.71 | neutral | +1.51% | +3.13% | +1.95% | -5.15% | +10.10% |
| 2022 | 27/05/2022 | 54.61 | neutral | +0.93% | -20.07% | -27.60% | -27.60% | +1.90% |
| 2021 | 27/05/2021 | 97.26 | near 52w high | -3.04% | -8.30% | -10.68% | -15.46% | +2.34% |
| 2020 | 27/05/2020 | 41.49 | far above SMA50 | +6.12% | +8.77% | -12.60% | -12.60% | +27.12% |
| 2019 | 28/05/2019 | 113.38 | near 52w low · far below SMA50 | +0.46% | -3.05% | -5.38% | -5.38% | +0.53% |
| 2018 | 25/05/2018 | 170.10 | neutral | -0.53% | +4.25% | +10.14% | -1.52% | +11.04% |
| 2017 | 26/05/2017 | 194.76 | neutral | -3.09% | +0.14% | +6.91% | -3.09% | +7.05% |
Passed 31/05/2026 · Low Gann 90/Calendar · 9 years — Small sample
10 days: Avg -1.72% · Win 56% · DD -5.75%20 days: Avg -0.53% · Win 67% · DD -8.72%
Open Date Echo · 9 years
| Year | Actual date | Close | Context | 5d | 10d | 20d | Max DD 20d | Max Gain 20d |
|---|
| 2025 | 30/05/2025 | 51.24 | neutral | +0.62% | -1.01% | +11.48% | -3.55% | +11.48% |
| 2024 | 31/05/2024 | 41.76 | near 52w high | -1.46% | -5.91% | +8.55% | -7.76% | +8.55% |
| 2023 | 31/05/2023 | 28.18 | volume x2.5 | +16.08% | +8.98% | +9.55% | +0.00% | +16.08% |
| 2022 | 31/05/2022 | 55.10 | neutral | +1.00% | -20.74% | -30.82% | -30.82% | +1.00% |
| 2021 | 01/06/2021 | 99.41 | near 52w high | -6.93% | -8.70% | -17.71% | -17.71% | +0.13% |
| 2020 | 01/06/2020 | 39.82 | far above SMA50 | +32.44% | +1.92% | -8.40% | -14.09% | +32.44% |
| 2019 | 31/05/2019 | 109.74 | near 52w low · far below SMA50 | +3.87% | +1.67% | +1.91% | -2.24% | +3.87% |
| 2018 | 31/05/2018 | 168.25 | neutral | +4.62% | +7.42% | +11.74% | -0.44% | +12.26% |
| 2017 | 31/05/2017 | 192.44 | neutral | -1.20% | +0.90% | +8.90% | -1.92% | +8.90% |
Passed 05/06/2026 · High Gann 30/Trading · 9 years — Small sample
10 days: Avg -2.79% · Win 56% · DD -7.44%20 days: Avg -1.62% · Win 67% · DD -9.90%
Open Date Echo · 9 years
| Year | Actual date | Close | Context | 5d | 10d | 20d | Max DD 20d | Max Gain 20d |
|---|
| 2025 | 05/06/2025 | 49.42 | neutral | +8.42% | +9.41% | +20.58% | +0.00% | +22.22% |
| 2024 | 05/06/2024 | 41.35 | near 52w high | -2.76% | +6.48% | +8.61% | -6.84% | +9.82% |
| 2023 | 05/06/2023 | 30.16 | neutral | +1.59% | +0.17% | +4.94% | -2.35% | +8.45% |
| 2022 | 06/06/2022 | 55.12 | neutral | -20.81% | -21.43% | -33.07% | -33.07% | +0.96% |
| 2021 | 04/06/2021 | 94.31 | volume x3.0 | -5.42% | -12.81% | -10.46% | -13.26% | +0.00% |
| 2020 | 05/06/2020 | 48.16 | far above SMA50 | -13.67% | -21.45% | -27.39% | -28.95% | +9.53% |
| 2019 | 05/06/2019 | 112.45 | near 52w low · far below SMA50 | -2.29% | -2.81% | +4.19% | -4.60% | +4.19% |
| 2018 | 05/06/2018 | 172.44 | neutral | +3.92% | +8.52% | +8.87% | +0.00% | +9.53% |
| 2017 | 05/06/2017 | 188.75 | neutral | +3.33% | +8.84% | +9.18% | +0.00% | +11.03% |
Passed 07/06/2026 · High Gann 45/Calendar · 9 years — Small sample
10 days: Avg -5.22% · Win 44% · DD -9.69%20 days: Avg -4.32% · Win 56% · DD -11.87%
Open Date Echo · 9 years
| Year | Actual date | Close | Context | 5d | 10d | 20d | Max DD 20d | Max Gain 20d |
|---|
| 2025 | 06/06/2025 | 51.56 | neutral | -1.63% | +6.17% | +14.99% | -1.63% | +17.15% |
| 2024 | 07/06/2024 | 41.15 | near 52w high | -4.52% | +6.97% | +11.88% | -6.39% | +11.88% |
| 2023 | 07/06/2023 | 32.71 | far above SMA50 | -6.11% | -9.20% | -3.82% | -9.97% | +0.00% |
| 2022 | 07/06/2022 | 55.65 | neutral | -21.53% | -24.87% | -31.82% | -33.71% | +0.00% |
| 2021 | 07/06/2021 | 93.79 | neutral | -6.49% | -9.70% | -12.19% | -12.78% | +0.00% |
| 2020 | 08/06/2020 | 52.75 | far above SMA50 | -23.04% | -28.28% | -36.45% | -36.45% | +0.00% |
| 2019 | 07/06/2019 | 113.98 | neutral | -2.11% | -3.99% | +2.72% | -5.88% | +3.80% |
| 2018 | 07/06/2018 | 176.03 | neutral | +2.67% | +7.26% | +9.08% | +0.00% | +9.08% |
| 2017 | 07/06/2017 | 190.14 | neutral | +2.13% | +8.69% | +6.75% | +0.00% | +10.22% |
Upcoming 22/06/2026 · High Gann 60/Calendar · 10 years — Small sample
10 days: Avg +0.15% · Win 50% · DD -4.26%20 days: Avg +6.02% · Win 60% · DD -6.68%
Open Date Echo · 10 years
| Year | Actual date | Close | Context | 5d | 10d | 20d | Max DD 20d | Max Gain 20d |
|---|
| 2025 | 23/06/2025 | 54.74 | neutral | +4.35% | +8.31% | +14.85% | +0.00% | +14.85% |
| 2024 | 21/06/2024 | 43.96 | near 52w high · far above SMA50 · volume x2.2 | +1.36% | +2.21% | +14.29% | -2.18% | +17.38% |
| 2023 | 22/06/2023 | 29.70 | neutral | +3.94% | +5.93% | +23.00% | -0.84% | +25.89% |
| 2022 | 22/06/2022 | 41.81 | near 52w low · far below SMA50 | -8.83% | -9.26% | +8.59% | -11.77% | +9.18% |
| 2021 | 22/06/2021 | 84.07 | neutral | -2.70% | -1.70% | -5.24% | -11.01% | +3.33% |
| 2020 | 22/06/2020 | 37.83 | neutral | -3.57% | -11.39% | -10.82% | -15.82% | +2.59% |
| 2019 | 21/06/2019 | 109.43 | near 52w low | +2.20% | +6.99% | +11.39% | -1.97% | +15.23% |
| 2018 | 22/06/2018 | 188.84 | far above SMA50 | -1.45% | +3.19% | -1.37% | -7.46% | +3.19% |
| 2017 | 22/06/2017 | 207.24 | near 52w high | -0.60% | -1.35% | -8.91% | -8.91% | +1.89% |
| 2016 | 22/06/2016 | 159.62 | near 52w low | -3.09% | -1.38% | +14.42% | -6.80% | +14.42% |
Upcoming 26/06/2026 · High Gann 45/Trading · 10 years — Small sample
10 days: Avg +5.22% · Win 70% · DD -2.83%20 days: Avg +8.86% · Win 80% · DD -4.58%
Open Date Echo · 10 years
| Year | Actual date | Close | Context | 5d | 10d | 20d | Max DD 20d | Max Gain 20d |
|---|
| 2025 | 26/06/2025 | 56.56 | far above SMA50 | +6.79% | +8.27% | +11.86% | +0.00% | +13.51% |
| 2024 | 26/06/2024 | 43.38 | near 52w high | +4.63% | +7.56% | +20.61% | -0.88% | +20.61% |
| 2023 | 26/06/2023 | 29.66 | neutral | +7.25% | +15.14% | +24.31% | +0.00% | +26.06% |
| 2022 | 27/06/2022 | 40.57 | near 52w low · far below SMA50 · volume x1.7 | -8.90% | +0.05% | +2.76% | -9.07% | +12.52% |
| 2021 | 25/06/2021 | 86.87 | neutral | -2.79% | -1.81% | -8.54% | -13.88% | +0.00% |
| 2020 | 26/06/2020 | 34.21 | neutral | +2.19% | -4.43% | +2.31% | -6.93% | +6.62% |
| 2019 | 26/06/2019 | 108.04 | near 52w low | +8.44% | +9.30% | +15.70% | +0.00% | +16.71% |
| 2018 | 26/06/2018 | 185.24 | neutral | +1.35% | +4.37% | +1.77% | -5.66% | +5.20% |
| 2017 | 26/06/2017 | 208.23 | near 52w high | -1.03% | -0.61% | -7.22% | -9.34% | +1.40% |
| 2016 | 27/06/2016 | 148.76 | near 52w low | +3.91% | +14.36% | +25.00% | +0.00% | +25.00% |
Upcoming 30/06/2026 · Low Gann 120/Calendar · 10 years — Small sample
10 days: Avg +4.41% · Win 70% · DD -2.57%20 days: Avg +8.27% · Win 70% · DD -3.88%
Open Date Echo · 10 years
| Year | Actual date | Close | Context | 5d | 10d | 20d | Max DD 20d | Max Gain 20d |
|---|
| 2025 | 30/06/2025 | 57.12 | far above SMA50 | +3.80% | +5.18% | +9.91% | +0.00% | +12.39% |
| 2024 | 01/07/2024 | 45.33 | near 52w high · far above SMA50 | +1.57% | +13.83% | +20.03% | -0.93% | +21.33% |
| 2023 | 30/06/2023 | 31.39 | neutral | +5.89% | +11.79% | +32.43% | -0.70% | +32.43% |
| 2022 | 30/06/2022 | 37.06 | near 52w low · far below SMA50 | +3.64% | +9.01% | +6.88% | -0.46% | +23.18% |
| 2021 | 30/06/2021 | 83.15 | neutral | -3.87% | -3.15% | -6.55% | -10.03% | +2.83% |
| 2020 | 30/06/2020 | 36.01 | neutral | -5.83% | -2.97% | +0.69% | -11.57% | +0.69% |
| 2019 | 01/07/2019 | 113.93 | neutral | +3.68% | +5.60% | +10.51% | +0.00% | +11.28% |
| 2018 | 29/06/2018 | 186.11 | neutral | +4.70% | -6.10% | -3.48% | -6.10% | +4.70% |
| 2017 | 30/06/2017 | 204.86 | near 52w high | -0.25% | +2.10% | -5.94% | -7.85% | +3.07% |
| 2016 | 30/06/2016 | 156.36 | neutral | +2.57% | +8.80% | +18.22% | -1.14% | +19.35% |
Upcoming 08/07/2026 · Low Gann 90/Trading · 10 years — Small sample
10 days: Avg +5.37% · Win 70% · DD -3.05%20 days: Avg +2.71% · Win 40% · DD -3.76%
Open Date Echo · 10 years
| Year | Actual date | Close | Context | 5d | 10d | 20d | Max DD 20d | Max Gain 20d |
|---|
| 2025 | 08/07/2025 | 59.29 | far above SMA50 | +1.33% | +6.04% | -0.56% | -2.92% | +8.28% |
| 2024 | 08/07/2024 | 44.93 | near 52w high | +9.37% | +11.82% | -0.91% | -0.91% | +22.41% |
| 2023 | 07/07/2023 | 31.46 | neutral | +10.78% | +16.12% | +28.86% | +0.00% | +32.14% |
| 2022 | 08/07/2022 | 38.41 | far below SMA50 | +5.18% | +14.94% | -0.10% | -0.36% | +18.85% |
| 2021 | 08/07/2021 | 79.94 | far below SMA50 | +0.75% | -2.43% | -7.93% | -9.30% | +6.71% |
| 2020 | 08/07/2020 | 33.91 | far below SMA50 | +3.04% | +0.19% | +6.68% | -6.10% | +6.92% |
| 2019 | 08/07/2019 | 117.09 | neutral | +2.26% | +4.11% | +3.69% | +0.00% | +8.29% |
| 2018 | 09/07/2018 | 194.87 | far above SMA50 | -10.32% | -4.42% | -6.66% | -10.32% | +0.00% |
| 2017 | 07/07/2017 | 204.45 | near 52w high | +3.11% | -7.66% | -6.60% | -7.66% | +3.28% |
| 2016 | 08/07/2016 | 160.38 | neutral | +6.08% | +14.99% | +10.65% | +0.00% | +16.36% |
Upcoming 17/07/2026 · High Gann 60/Trading · 10 years — Small sample
10 days: Avg +2.03% · Win 50% · DD -3.09%20 days: Avg +1.73% · Win 60% · DD -5.89%
Open Date Echo · 10 years
| Year | Actual date | Close | Context | 5d | 10d | 20d | Max DD 20d | Max Gain 20d |
|---|
| 2025 | 17/07/2025 | 62.30 | far above SMA50 | -2.09% | -1.61% | -1.00% | -7.61% | +3.05% |
| 2024 | 17/07/2024 | 51.58 | near 52w high · far above SMA50 | -2.46% | +5.82% | +2.06% | -13.73% | +6.63% |
| 2023 | 17/07/2023 | 35.09 | far above SMA50 | +6.30% | +18.47% | +12.69% | +0.00% | +18.47% |
| 2022 | 18/07/2022 | 41.60 | far below SMA50 | +5.58% | -5.38% | +7.49% | -8.46% | +9.74% |
| 2021 | 16/07/2021 | 78.56 | far below SMA50 | +0.41% | -5.26% | -6.28% | -7.70% | +1.41% |
| 2020 | 17/07/2020 | 33.93 | neutral | +4.47% | +4.35% | +13.03% | -5.62% | +15.06% |
| 2019 | 17/07/2019 | 120.30 | neutral | +4.38% | +4.10% | -0.42% | -0.49% | +5.39% |
| 2018 | 17/07/2018 | 179.92 | neutral | +3.14% | -0.25% | +2.91% | -0.25% | +4.77% |
| 2017 | 17/07/2017 | 209.15 | near 52w high | -8.36% | -7.88% | -14.94% | -15.02% | +0.56% |
| 2016 | 18/07/2016 | 168.64 | near 52w high | +9.03% | +7.96% | +1.78% | +0.00% | +10.67% |
Upcoming 22/07/2026 · High Gann 90/Calendar · 10 years — Small sample
10 days: Avg -2.42% · Win 30% · DD -4.97%20 days: Avg -2.02% · Win 40% · DD -7.58%
Open Date Echo · 10 years
| Year | Actual date | Close | Context | 5d | 10d | 20d | Max DD 20d | Max Gain 20d |
|---|
| 2025 | 22/07/2025 | 62.87 | far above SMA50 | -0.14% | -6.22% | -4.42% | -8.45% | +2.12% |
| 2024 | 22/07/2024 | 50.24 | near 52w high · far above SMA50 | +5.67% | -11.39% | +10.62% | -11.43% | +10.62% |
| 2023 | 21/07/2023 | 36.53 | far above SMA50 | +11.55% | +10.98% | +3.27% | -0.38% | +13.80% |
| 2022 | 22/07/2022 | 44.15 | neutral | -10.28% | -13.09% | -2.77% | -13.75% | +1.71% |
| 2021 | 22/07/2021 | 78.00 | far below SMA50 | -0.37% | -5.64% | -7.55% | -7.91% | +1.86% |
| 2020 | 22/07/2020 | 33.97 | neutral | +6.72% | +6.48% | +7.64% | +0.00% | +14.89% |
| 2019 | 22/07/2019 | 121.90 | neutral | +3.15% | -0.40% | -10.61% | -10.61% | +4.01% |
| 2018 | 23/07/2018 | 186.25 | neutral | -3.55% | -2.34% | +3.23% | -3.64% | +3.23% |
| 2017 | 21/07/2017 | 188.78 | volume x2.4 | +1.91% | +1.15% | -6.25% | -6.25% | +2.34% |
| 2016 | 22/07/2016 | 184.42 | near 52w high | +0.23% | -3.77% | -13.39% | -13.39% | +1.19% |
Upcoming 24/07/2026 · Low Gann 144/Calendar · 10 years — Small sample
10 days: Avg -2.46% · Win 20% · DD -5.57%20 days: Avg -3.84% · Win 30% · DD -8.60%
Open Date Echo · 10 years
| Year | Actual date | Close | Context | 5d | 10d | 20d | Max DD 20d | Max Gain 20d |
|---|
| 2025 | 24/07/2025 | 61.00 | neutral | +0.49% | -5.20% | -1.99% | -5.64% | +4.95% |
| 2024 | 24/07/2024 | 50.31 | near 52w high · far above SMA50 | +8.49% | -10.22% | +8.83% | -11.55% | +10.46% |
| 2023 | 24/07/2023 | 37.30 | far above SMA50 | +11.45% | +10.40% | +0.90% | -2.44% | +11.45% |
| 2022 | 25/07/2022 | 43.92 | neutral | -10.38% | -11.43% | -7.16% | -13.30% | +2.24% |
| 2021 | 23/07/2021 | 78.87 | far below SMA50 | -5.65% | -4.66% | -7.66% | -8.93% | +0.73% |
| 2020 | 24/07/2020 | 35.44 | neutral | -0.11% | +3.92% | -2.32% | -3.13% | +10.13% |
| 2019 | 24/07/2019 | 125.57 | neutral | -0.27% | -2.62% | -12.25% | -16.90% | +0.97% |
| 2018 | 24/07/2018 | 185.56 | neutral | -3.28% | -1.09% | +3.86% | -3.28% | +3.86% |
| 2017 | 24/07/2017 | 191.66 | neutral | +0.53% | -0.49% | -7.71% | -7.71% | +0.80% |
| 2016 | 25/07/2016 | 183.86 | near 52w high | -0.98% | -3.24% | -12.95% | -13.13% | +1.50% |
Questions to Watch
Is there a failed breakout above the window?Did an abnormal reversal candle appear?Is there an abnormal volume spike?Is the advance stalling (no follow-through)?Is short-term support breaking?Any change in relative strength vs QQQ/SPY/SMH?Is the leading sector weakening?
Interpretation & Scenarios
Careful wording — scenarios to watch, not forecasts. The decision is the trader's.
⬆️ Continuation (up) — to watch· The broad trend (by MA stacking) is still up.
· Positive relative strength vs QQQ, SPY, SMH.
· Sharp rally recently — watch for follow-through.
· If it holds above SMA50 (+12.4%) and breaks out on volume above the window — historically similar zones tended to continue. Technical confirmation needed.
⬇️ Weakness (down) — to watch· If a breakout fails or it closes below SMA50 / a nearby low on volume — risk of continued weakness. Watch for fading volume and relative weakness.
↔️ Range / no clear edge· No active Price-Time Confluence right now.
· Distance from 52w high: -2.7% · from 52w low: +90.5%.
· Without confirmation either way — no clear edge; waiting for confirmation is reasonable.
Current Snapshot
Returns & distances
| 5 / 10 / 20 / 60 days | +9.16% · +7.54% · +14.26% · +38.30% |
|---|
| Distance from SMA20 / 50 / 200 | +8.53% · +12.39% · +32.47% |
|---|
| Distance from 52w high / low | -2.70% · +90.50% |
|---|
| ATR14 · volume vs 20-avg | 3.04 · 1.72x |
|---|
Relative strength
| vs QQQ (20d) | +16.18% |
|---|
| vs SPY (20d) | +15.99% |
|---|
| vs SMH (20d) | +12.54% |
|---|
Moving averages
| SMA20 / 50 / 200 | 88.87 · 85.82 · 72.81 |
|---|
| 52w high / low | 99.13 · 50.63 |
|---|