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Bread Financial Holdings ( (BFH) ) just unveiled an update.
On January 29, 2026, Bread Financial reported key credit performance metrics for the period ended December 31, 2025, showing end-of-period credit card and other loans of $18.8 billion and average loans of $18.5 billion for December, both down 1% year over year. For the month and the fourth quarter, the company posted a net loss rate of 7.4%, with $116 million in net principal losses in December and $336 million for the quarter, while 30-plus-day delinquencies declined to $971 million and the delinquency rate edged down to 5.8% from 5.9% a year earlier, signaling slightly improved asset quality despite modestly lower loan balances.
The most recent analyst rating on (BFH) stock is a Sell with a $62.00 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.
BFH scores well on strong cash generation and improving profitability, supported by constructive earnings-call signals (buyback, dividend raise, ratings upgrade). Valuation is also favorable with a low P/E. The main risks are contracting revenue/more volatile margins and an overbought technical setup that could pressure the stock in the near term.
To see Spark’s full report on BFH stock, click here.
More about Bread Financial Holdings
Bread Financial Holdings, based in Columbus, Ohio, is a tech-forward U.S. financial services company that offers simple, personalized payment, lending and savings solutions to millions of consumers. Its portfolio includes general purpose credit cards, savings products, and private-label and co-brand credit cards, along with pay-over-time products that support well-known brands in sectors such as travel and entertainment, health and beauty, jewelry and specialty apparel.
Average Trading Volume: 811,503
Technical Sentiment Signal: Buy
Current Market Cap: $3.17B
Learn more about BFH stock on TipRanks’ Stock Analysis page.