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Bread Financial Holdings ( (BFH) ) has provided an update.
Bread Financial Holdings on May 15, 2026 reported that for the month ended April 30, 2026, end-of-period credit card and other loans rose to $18.1 billion, with average loans up 2.0% year over year after having declined 1.6% a year earlier. Net principal losses fell to $105 million, bringing the net principal loss rate down to 7.09% from 7.85% in April 2025, partly normalizing after prior-period storm-related accommodations.
As of April 30, 2026, 30-days-plus delinquencies declined to $859 million on $16.1 billion of period-end loans, improving the delinquency rate to 5.34% from 5.73% a year before. The combination of modest loan growth and lower loss and delinquency metrics suggests a strengthening credit performance profile, with implications for more stable asset quality and potentially reduced credit risk for investors and brand partners.
The most recent analyst rating on (BFH) stock is a Buy with a $99.00 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.
The score is driven primarily by a strong valuation (very low P/E) and improving operating/credit trends with reaffirmed guidance and robust capital metrics. Offsetting factors include historically volatile financial performance and still-meaningful leverage/credit-loss risk, while technical signals are mixed and the new preferred issuance improves capital flexibility but adds funding cost.
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 provides simple, personalized payment, lending and saving solutions to millions of U.S. consumers. It supports growth for major brands in travel and entertainment, specialty apparel, health and beauty, jewelry, sporting goods, technology, electronics, and home and furniture through co-brand and private-label credit cards and pay-over-time products, and also offers general purpose credit cards and savings products.
Average Trading Volume: 674,927
Technical Sentiment Signal: Buy
Current Market Cap: $3.51B
For detailed information about BFH stock, go to TipRanks’ Stock Analysis page.