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Bread Financial Holdings (BFH)
NYSE:BFH
BFH Stock Chart & Stats
$79.53
-$0.54(-0.91%)
At close: 4:00 PM EST
$79.53
-$0.54(-0.91%)
Day’s Range― - ―
52-Week Range$38.21 - $82.03
Previous CloseN/A
Volume82.87K
Average Volume (3M)859.25K
Market Cap
$3.52B
Enterprise Value$4.33B
Total Cash (Recent Filing)$4.05B
Total Debt (Recent Filing)$3.79B
Price to Earnings (P/E)7.1
Beta1.27
Next Earnings
Apr 23, 2026EPS Estimate
2.97Next Dividend Ex-DateN/A
Dividend Yield1.12%
Share Statistics
EPS (TTM)2.07
Shares Outstanding45,661,602
10 Day Avg. Volume972,480
30 Day Avg. Volume859,254
Financial Highlights & Ratios
PEG Ratio-0.18
Price to Book (P/B)0.99
Price to Sales (P/S)0.63
P/FCF Ratio1.63
Enterprise Value/Market Cap1.23
Enterprise Value/Revenue0.93
Enterprise Value/Gross Profit1.73
Enterprise Value/Ebitda6.95
Forecast
1Y Price Target
$83.25Price Target Upside4.68% Upside
Rating ConsensusHold
Number of Analyst Covering12
EPS Forecast (FY)9.96
Revenue Forecast (FY)$3.97B
Bulls Say, Bears Say
Bulls Say
Capital ReturnsAnalyst points to accelerating share repurchases enabled by stronger capital levels and reduced debt, which can boost shareholder value as profitability recovers.
Credit PerformanceAnalyst highlights improving delinquency trends and declining charge-offs, supporting expectations that credit losses will continue to decrease toward long‑term targets.
Net Interest Income And Loan GrowthAnalyst notes strengthening net interest income driven by rebounding loan balances and beneficial debt repricing, supporting revenue growth and margin stability.
Bears Say
Interest-rate SensitivityAnalyst cautions that net interest margins are highly sensitive to future interest-rate moves, introducing uncertainty to revenue if rates evolve unfavorably.
Loan Growth And Execution RiskAnalyst notes that loan growth remains sluggish and that reaching long-term earnings targets requires several years of consistent execution, limiting near-term upside.
Regulatory RiskAnalyst warns that a low interest-rate cap on credit cards would materially reduce credit availability and consumer spending, creating a significant revenue headwind for card issuers.
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 $38.21 and its highest was $82.03 in the past 12 months.
What is Bread Financial Holdings’s market cap?
Bread Financial Holdings’s market cap is $3.52B.
When is Bread Financial Holdings’s upcoming earnings report date?
Bread Financial Holdings’s upcoming earnings report date is Apr 23, 2026 which is in 73 days.
How were Bread Financial Holdings’s earnings last quarter?
Bread Financial Holdings released its earnings results on Jan 29, 2026. The company reported $2.07 earnings per share for the quarter, beating the consensus estimate of $0.393 by $1.677.
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 2.97.
How many shares outstanding does Bread Financial Holdings have?
Bread Financial Holdings has 45,661,602 shares outstanding.
What happened to Bread Financial Holdings’s price movement after its last earnings report?
Bread Financial Holdings reported an EPS of $2.07 in its last earnings report, beating expectations of $0.393. Following the earnings report the stock price went up 7.082%.
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
1
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4
5
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7
8
9
10
Analyst Consensus
Hold
Average Price Target:
$83.25 (4.68% Upside)
$83.25 (4.68% Upside)
Blogger Sentiment
Bullish
BFH Sentiment 100%
Sector Average 71%
Sector Average 71%
Hedge Fund Trend
Decreased
By 354.1K Shares
Last Quarter.
Last Quarter.
Crowd Wisdom
Positive
Last 7 Days ▼ 3.8%
Last 30 Days ▲ 6.1%
Last 30 Days ▲ 6.1%
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
26.54%
12-Months-Change
Fundamentals
Return on Equity
16.37%
Trailing 12-Months
Asset Growth
-1.15%
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
Q4 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call highlighted multiple tangible operational and financial improvements—new partner signings, deposit growth, capital returns, rating upgrades, improving credit metrics, rising tangible book value, and positive operating leverage—while acknowledging short-term headwinds from debt repurchase costs, flat-to-slow loan growth due to high payment rates, and revenue pressure from lower billed fees and macro/rate sensitivity. Management provided a constructive 2026 outlook with low-single-digit growth targets and continued focus on efficiency and credit discipline.View all BFH earnings summariesBFH Stock 12 Month Forecast
Average Price Target
$83.25
▲(4.68% Upside)
Technical Analysis
Ownership Overview
3.00% Insiders
29.80% Mutual Funds
0.13% Other Institutional Investors
39.76% Public Companies and Individual Investors