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Bread Financial Holdings ( (BFH) ) has issued an update.
On February 10, 2026, Bread Financial reported January 2026 portfolio metrics showing essentially flat average credit card and other loan balances year over year at about $18.5 billion. End‑of‑period credit card and other loans were $18.4 billion, while period‑end principal loans used for delinquency calculations were $16.4 billion, reflecting the structure of the portfolio and measurement approach.
Credit quality indicators showed modest improvement versus January 2025, with net principal losses declining to $111 million from $123 million and the net principal loss rate easing to 7.1% from 7.8%. Delinquency trends also improved, as 30‑days‑plus principal delinquencies fell to $960 million from $1.03 billion and the delinquency rate edged down to 5.9% from 6.1%, signaling slightly better credit performance for stakeholders monitoring asset quality in U.S. consumer credit.
The most recent analyst rating on (BFH) stock is a Buy with a $90.00 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 strong cash-flow generation and improving profitability, supported by a low valuation multiple. Earnings-call guidance is constructive but tempered by rate sensitivity, fee pressure, and credit metrics that are improving yet still elevated. Technical signals are mixed-to-weak, limiting the overall score.
To see Spark’s full report on BFH stock, click here.
More about Bread Financial Holdings
Bread Financial Holdings, Inc., listed on the NYSE as BFH, is a tech‑forward financial services company providing simple, personalized payment, lending and savings solutions to millions of U.S. consumers. It offers general purpose credit cards, private‑label and co‑brand cards, pay‑over‑time products and savings offerings, serving major brands across travel and entertainment, health and beauty, jewelry and specialty apparel.
The company, which is marking its 30th year of operations in 2026, positions its products as tools to empower consumer spending while driving growth for brand partners. Its business is concentrated in U.S. consumer credit, where it competes with traditional issuers and newer fintech‑driven payment and digital credit providers.
Bread Financial emphasizes its blend of technology‑driven solutions and long‑standing industry presence to maintain relevance in a competitive market. It promotes its performance, workforce and sustainability efforts through its corporate website and social channels, underscoring a focus on both financial and non‑financial stakeholders.
Average Trading Volume: 859,514
Technical Sentiment Signal: Buy
Current Market Cap: $3.63B
Learn more about BFH stock on TipRanks’ Stock Analysis page.