Bread Financial Holdings Inc (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$51.37 - $105.20
Previous CloseN/A
Volume82.87K
Average Volume (3M)629.22K
Market Cap
$4.14B
Enterprise Value$4.41B
Total Cash (Recent Filing)$3.64B
Total Debt (Recent Filing)$3.94B
Price to Earnings (P/E)7.8
Beta1.36
Next Earnings
Jul 23, 2026EPS Estimate
2.72Next Dividend Ex-DateN/A
Dividend Yield1.12%
Share Statistics
EPS (TTM)12.38
Shares Outstanding40,407,066
10 Day Avg. Volume793,221
30 Day Avg. Volume629,222
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 Cap1.06
Enterprise Value/Revenue0.94
Enterprise Value/Gross Profit1.46
Enterprise Value/Ebitda5.97
Forecast
1Y Price Target
$98.33Price Target Upside8.56% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering10
EPS Forecast (FY)11.26
Revenue Forecast (FY)$3.95B
Bulls Say, Bears Say
Bulls Say
Improving Credit MetricsConsistent improvement in delinquencies, net loss and reserve coverage signals durable portfolio healing. Lower credit volatility reduces required provisioning, supports more predictable earnings, enables quieter capital deployment and makes underwriting expansion with partners less risky over the next 2–6 months.
Strong Cash GenerationFCF roughly matching net income indicates high earnings-to-cash conversion, a structural strength for a lending franchise. Reliable cash supports buybacks, investments in tech/underwriting, and buffers against cyclical credit stress, improving long-term financial flexibility.
Funding, Capital And PartnershipsHigher retail deposits and sizable liquid assets reduce reliance on wholesale funding and lower funding volatility. Combined with new co-brand/partner wins, this strengthens stable funding and distribution channels, enabling sustainable loan funding and partner-driven growth.
Bears Say
Elevated Credit LossesA persistently high net loss run-rate is a structural margin headwind for a private-label lender. Even as trends improve, sustained elevated losses compress net returns on receivables, require larger reserves, and limit capital available for growth or shareholder returns if macro stress returns.
Meaningful LeverageAlthough leverage has come down materially, asset-heavy lending with modest equity relative to loans leaves limited loss-absorption capacity versus larger shocks. This structural leverage makes results more sensitive to credit cycles and constrains aggressive capital actions during stress.
Pressure On Noninterest IncomeRising retailer share arrangements and declining billed late fees are structural drags on fee diversification. Reduced noninterest income increases reliance on NII, raising sensitivity to funding spreads and slowing revenue resilience from partnership economics over the medium term.
Bread Financial Holdings News
BFH FAQ
What was Bread Financial Holdings Inc’s price range in the past 12 months?
Bread Financial Holdings Inc lowest stock price was $51.37 and its highest was $105.20 in the past 12 months.
What is Bread Financial Holdings Inc’s market cap?
Bread Financial Holdings Inc’s market cap is $4.14B.
When is Bread Financial Holdings Inc’s upcoming earnings report date?
Bread Financial Holdings Inc’s upcoming earnings report date is Jul 23, 2026 which is in 36 days.
How were Bread Financial Holdings Inc’s earnings last quarter?
Bread Financial Holdings Inc 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 Inc overvalued?
According to Wall Street analysts Bread Financial Holdings Inc’s price is currently Undervalued.
Does Bread Financial Holdings Inc pay dividends?
Bread Financial Holdings Inc pays a Quarterly dividend of $0.23 which represents an annual dividend yield of 1.12%. See more information on Bread Financial Holdings Inc dividends here
What is Bread Financial Holdings Inc’s EPS estimate?
Bread Financial Holdings Inc’s EPS estimate is 2.72.
How many shares outstanding does Bread Financial Holdings Inc have?
Bread Financial Holdings Inc has 40,407,066 shares outstanding.
What happened to Bread Financial Holdings Inc’s price movement after its last earnings report?
Bread Financial Holdings Inc 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 Inc?
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
Outperform
1
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5
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7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$98.33 (8.56% Upside)
$98.33 (8.56% Upside)
Blogger Sentiment
Bullish
BFH Sentiment 70%
Sector Average ―
Sector Average ―
Hedge Fund Trend
Increased
By 2.2M Shares
Last Quarter.
Last Quarter.
Insider Transactions
Sold Shares
Worth $814.6K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Very Positive
Last 7 Days ▲ 4.8%
Last 30 Days ▲ 5.5%
Last 30 Days ▲ 5.5%
News Sentiment
Very Bullish
Bullish news 99%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
95.80%
12-Months-Change
Fundamentals
Return on Equity
17.08%
Trailing 12-Months
Asset Growth
-0.33%
Trailing 12-Months
Company Description
Bread Financial Holdings Inc
Bread Financial Holdings, Inc. offers cutting-edge payment and credit solutions to consumers and various industries throughout North America. Their services include comprehensive financing for credit cards and other loans, which involves managing risk, originating accounts, and providing funding for approximately 130 private label and co-branded credit card programs. They also support around 500 small and medium-sized businesses through their Bread partnerships and issue Comenity-branded general purpose cash-back credit cards. The company is responsible for administering and overseeing all loans it generates, covering private label, co-brand, and general-purpose credit card portfolios, as well as its Bread BNPL (Buy Now Pay Later) products, which include installment and split-pay options. Beyond lending, they provide marketing, data, and analytics services. Their enhanced digital toolkit features a unified Software Development Kit (SDK), allowing seamless integration with their product range and encouraging the presentation of credit payment choices earlier in the retail journey. Additionally, the Bread digital payments platform, powered by a comprehensive suite of application programming interfaces (APIs), empowers merchants and partners to readily incorporate online point-of-sale financing, such as installment and split-pay solutions. Established in Columbus, Ohio in 1996, the company was formerly known as Alliance Data Systems Corporation until it rebranded as Bread Financial Holdings, Inc. in March 2022.
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
$98.33
▲(8.56% Upside)
Technical Analysis
Ownership Overview
3.51% Insiders
33.86% Mutual Funds
29.24% Other Institutional Investors
1.07% Public Companies and Individual Investors