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Bread Financial Holdings ( (BFH) ) just unveiled an update.
On November 13, 2025, Bread Financial Holdings, Inc. released a performance update for the period ending October 31, 2025. The update highlighted a slight decrease in the net loss rate and delinquency rate compared to the previous year, with the net principal losses and average credit card loans also showing a year-over-year decline. The company attributed the lower net loss rate in the fourth quarter of 2024 to a temporary freeze on delinquency progression due to hurricanes Helene and Milton.
The most recent analyst rating on (BFH) stock is a Buy with a $72.00 price target. To see the full list of analyst forecasts on Bread Financial Holdings stock, see the BFH Stock Forecast page.
Spark’s Take on BFH Stock
According to Spark, TipRanks’ AI Analyst, BFH is a Outperform.
Bread Financial Holdings receives a solid overall score driven by strong earnings call results and positive technical indicators. The company’s strategic initiatives and financial resilience are significant strengths. However, challenges such as high leverage and declining revenue growth temper the outlook. The stock’s valuation remains reasonable, supporting its investment appeal.
To see Spark’s full report on BFH stock, click here.
More about Bread Financial Holdings
Bread Financial Holdings, Inc. is a tech-forward financial services company that offers personalized payment, lending, and saving solutions to millions of U.S. consumers. The company provides general purpose credit cards and savings products, and supports growth for brands in sectors like travel, entertainment, health, beauty, jewelry, and specialty apparel through private label and co-brand credit cards and pay-over-time products.
Average Trading Volume: 681,900
Technical Sentiment Signal: Buy
Current Market Cap: $2.92B
Learn more about BFH stock on TipRanks’ Stock Analysis page.