Bread Financial Holdings (BFH)
NYSE:BFH
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BFH Stock Chart & Stats
$90.58
-$0.54(-0.91%)
At close: 4:00 PM EST
$90.58
-$0.54(-0.91%)
Day’s Range― - ―
52-Week Range$47.87 - $99.13
Previous CloseN/A
Volume82.87K
Average Volume (3M)640.69K
Market Cap
$3.43B
Enterprise Value$3.78B
Total Cash (Recent Filing)$3.64B
Total Debt (Recent Filing)$3.88B
Price to Earnings (P/E)4.4
Beta1.38
Next Earnings
Jul 23, 2026EPS Estimate
2.67Next Dividend Ex-DateN/A
Dividend Yield1.12%
Share Statistics
EPS (TTM)4.18
Shares Outstanding40,407,066
10 Day Avg. Volume663,574
30 Day Avg. Volume640,691
Financial Highlights & Ratios
PEG Ratio0.06
Price to Book (P/B)1.00
Price to Sales (P/S)0.71
P/FCF Ratio1.59
Enterprise Value/Market Cap1.10
Enterprise Value/Revenue0.80
Enterprise Value/Gross Profit1.25
Enterprise Value/Ebitda5.26
Forecast
1Y Price Target
$96.56Price Target Upside6.60% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering9
EPS Forecast (FY)11.02
Revenue Forecast (FY)$3.96B
Bulls Say, Bears Say
Bulls Say
Capital Returns And BuybacksA clear plan to return excess capital through accelerated share repurchases and capital structure optimization can lift earnings per share and enhance shareholder value.
Credit Performance ImprovementImproving credit trends, including lower late-stage delinquencies and underwriting to higher-income borrowers, should reduce expected loan losses and support profit growth.
Revenue And Operational ExecutionStronger net interest income from rebounding loan growth and beneficial debt repricing, together with better-than-expected noninterest income and controlled expenses, can drive improved profitability.
Bears Say
Consumer Funding UncertaintyUncertainty around tax refund flows and delayed IRS data can disrupt consumer funding patterns, pressuring card spending and core loan demand.
Macroeconomic SensitivityMeaningful deterioration in macroeconomic conditions could reverse recent gains and reduce the likelihood of sustained fundamental improvement.
Subprime Credit ExposureConcentration in subprime lending keeps net charge-offs elevated and makes results vulnerable to higher consumer costs, which could limit upside.
Bread Financial Holdings News
BFH FAQ
What was Bread Financial Holdings’s price range in the past 12 months?
Bread Financial Holdings lowest stock price was $47.87 and its highest was $99.13 in the past 12 months.
What is Bread Financial Holdings’s market cap?
Bread Financial Holdings’s market cap is $3.43B.
When is Bread Financial Holdings’s upcoming earnings report date?
Bread Financial Holdings’s upcoming earnings report date is Jul 23, 2026 which is in 81 days.
How were Bread Financial Holdings’s earnings last quarter?
Bread Financial Holdings released its earnings results on Apr 23, 2026. The company reported $4.18 earnings per share for the quarter, beating the consensus estimate of $3.06 by $1.12.
Is Bread Financial Holdings overvalued?
According to Wall Street analysts Bread Financial Holdings’s price is currently Undervalued.
Does Bread Financial Holdings pay dividends?
Bread Financial Holdings pays a Quarterly dividend of $0.23 which represents an annual dividend yield of 1.12%. See more information on Bread Financial Holdings dividends here
What is Bread Financial Holdings’s EPS estimate?
Bread Financial Holdings’s EPS estimate is 2.67.
How many shares outstanding does Bread Financial Holdings have?
Bread Financial Holdings has 40,407,066 shares outstanding.
What happened to Bread Financial Holdings’s price movement after its last earnings report?
Bread Financial Holdings reported an EPS of $4.18 in its last earnings report, beating expectations of $3.06. Following the earnings report the stock price went down -0.346%.
Which hedge fund is a major shareholder of Bread Financial Holdings?
Currently, no hedge funds are holding shares in BFH
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Bread Financial Holdings Stock Smart Score
Neutral
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Analyst Consensus
Moderate Buy
Average Price Target:
$96.56 (6.60% Upside)
$96.56 (6.60% Upside)
Blogger Sentiment
Bullish
BFH Sentiment 100%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Decreased
By 899.2K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $874.9K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Positive
Last 7 Days ▼ 1.1%
Last 30 Days ▲ 10.0%
Last 30 Days ▲ 10.0%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
96.04%
12-Months-Change
Fundamentals
Return on Equity
17.08%
Trailing 12-Months
Asset Growth
-0.33%
Trailing 12-Months
Company Description
Bread Financial Holdings
Bread Financial Holdings, Inc. provides tech-forward payment and lending solutions to customers and consumer-based industries in North America. It offers credit card and other loans financing services, including risk management solutions, account origination, and funding services for approximately 130 private label and co-brand credit card programs, as well as through Bread partnerships to approximately 500 small-and medium-sized businesses merchants; and Comenity-branded general purpose cash-back credit. The company also manages and services the loans it originates for private label, co-brand, and general-purpose credit card programs and Bread BNPL (installment loans, split-pay) products; and provides marketing, and data and analytics services. In addition, it offers an enhanced digital suite that includes a unified software development kit, which provides access to its suite of products, as well as promotes credit payment options earlier in the shopping experience. Further, the company through Bread, a digital payments platform and robust suite of application programming interfaces allows merchants and partners to integrate online point-of-sale financing and other digital payment products, including installment and split-pay solutions. The company was formerly known as Alliance Data Systems Corporation and changed its name to Bread Financial Holdings, Inc. in March 2022. Bread Financial Holdings, Inc. was founded in 1996 and is headquartered in Columbus, Ohio.
BFH Company Deck
BFH Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call presents a predominantly positive picture: solid top-line momentum (7% credit sales growth), an inflection to loan growth, improving credit metrics, stronger margins and robust capital and liquidity positions. Offsetting items include pressure on noninterest income from higher retailer share arrangements (with an expected ~$40 million Q2 headwind), reduced billed late fees as delinquencies improve, ongoing investment-driven expense increases, and macroeconomic uncertainty (notably fuel prices and low consumer sentiment). On balance the operational progress, capital generation and improving credit trends outweigh the near-term income headwinds and cautious guidance.View all BFH earnings summariesBFH Stock 12 Month Forecast
Average Price Target
$96.56
▲(6.60% Upside)
Technical Analysis
Ownership Overview
3.55% Insiders
37.03% Mutual Funds
2.84% Other Institutional Investors
24.29% Public Companies and Individual Investors