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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$53.83 - $109.91
Previous CloseN/A
Volume82.87K
Average Volume (3M)769.41K
Market Cap
$3.90B
Enterprise Value$4.40B
Total Cash (Recent Filing)$3.64B
Total Debt (Recent Filing)$3.94B
Price to Earnings (P/E)7.8
Beta1.32
Next Earnings
Jul 23, 2026EPS Estimate
2.71Next Dividend Ex-DateN/A
Dividend Yield1.12%
Share Statistics
EPS (TTM)12.38
Shares Outstanding40,407,066
10 Day Avg. Volume684,430
30 Day Avg. Volume769,407
Financial Highlights & Ratios
PEG Ratio0.07
Price to Book (P/B)1.00
Price to Sales (P/S)0.71
P/FCF Ratio1.59
Enterprise Value/Market Cap1.13
Enterprise Value/Revenue0.93
Enterprise Value/Gross Profit1.46
Enterprise Value/Ebitda5.97
Forecast
1Y Price Target
$110.27Price Target Upside21.74% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering11
EPS Forecast (FY)11.36
Revenue Forecast (FY)$3.96B
Bulls Say, Bears Say
Bulls Say
Improving Credit Quality & Loan GrowthSustained improvement in delinquencies, reserve rates and a return to modest loan growth strengthens asset quality and cash yield durability. Better credit trends reduce reserve volatility, support underwriting discipline with partners, and materially lower tail risk to long-term earnings.
Strong Cash GenerationNear one-to-one earnings-to-cash conversion provides persistent internal funding for investments, share repurchases and capital buffers. Reliable cash flow improves financial flexibility to fund growth, absorb credit shocks, and sustain strategic technology and partnership spending over months.
Healthy Capital & Liquidity PositionElevated CET1 and material loss-absorption capacity give regulatory and counterpart confidence, enabling capital returns and preferred issuance optionality. Strong liquidity metrics and deposit growth support stable funding for receivables and resilience through credit cycles.
Bears Say
Elevated Credit LossesA persistently elevated net loss rate materially compresses underwriting economics and consumes capital and reserves. If macro stress reappears, loss rates could reaccelerate, limiting margin improvement and constraining long-term return on equity and partner program economics.
Meaningful Leverage / Balance-sheet ExposureDespite improvement, modest equity relative to assets and material leverage leave the firm exposed to higher credit volatility. In stress, capital buffers can erode quickly, narrowing strategic options and increasing the cost of external funding for ongoing private-label and co-brand programs.
Structural Noninterest Income PressureHigher partner share arrangements and lower billed late fees reduce fee diversity and create a recurring headwind to noninterest income. This structural shift compresses a stable revenue source that previously insulated margins, making earnings more reliant on interest spreads and credit performance.
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 $53.83 and its highest was $109.91 in the past 12 months.
What is Bread Financial Holdings Inc’s market cap?
Bread Financial Holdings Inc’s market cap is $3.90B.
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 11 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 2.71.
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
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$110.27 (21.74% Upside)
$110.27 (21.74% Upside)
Blogger Sentiment
Bullish
BFH Sentiment 70%
Sector Average 67%
Sector Average 67%
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 ▲ 0.6%
Last 30 Days ▲ 12.5%
Last 30 Days ▲ 12.5%
News Sentiment
Very Bullish
Bullish news 89%
Bearish news 11%
Bearish news 11%
Technicals
SMA
Positive
20 days / 200 days
Momentum
56.23%
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
All Analysts
Top Analysts
Average Price Target
$110.27
▲(21.74% Upside)
Technical Analysis
1 Day
3 Days
1 Week
1 Month
Ownership Overview
3.55% Insiders
33.04% Mutual Funds
0.10% Other Institutional Investors
31.30% Public Companies and Individual Investors












