Bread Financial Holdings Inc (BFH)

Currency in USD
58.97
-0.45(-0.76%)
Real-time Data·
BFH Scorecard
Full Analysis
Management has been aggressively buying back shares
BFH is not included in our AI-picked strategies. See which stocks are.
Fair Value
Day's Range
58.4359.76
52 wk Range
38.2166.71
Key Statistics
Prev. Close
59.42
Open
59.74
Day's Range
58.43-59.76
52 wk Range
38.21-66.71
Volume
69.89K
Average Volume (3m)
725.55K
1-Year Change
28.17%
Book Value / Share
68.01
Fair Value
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Fair Value Upside
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BFH Scorecardpro icon
Company’s Health
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Fair Value
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Fair Price
Upside
Price Target
68.73
Upside
+16.56%
Members' Sentiments
Bearish
Bullish
ProTips
5 analysts have revised their earnings upwards for the upcoming period
Show more

Technical Analysis

Summary
Strong Sell
Sell
Neutral
Buy
Strong Buy
Neutral
Technical Indicators
Strong Buy
Moving Averages
Sell

Bread Financial Holdings Inc Company Profile

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 private label and co-brand credit card programs, as well as through Bread partnerships; 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 installment loans and 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. It offers its products under the Bread, Bread Financial, Bread Cashback, Bread Rewards, Bread Pay, and Bread Savings brands. 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 incorporated in 1995 and is headquartered in Columbus, Ohio.

Sector
Financial
Employees
6000

Bread Financial Holdings Inc SWOT Analysis


Credit Metrics Shine
Bread Financial's improving delinquency rates and net charge-offs signal enhanced risk management, potentially boosting profitability and investor confidence
Competitive Pressures
Explore how Bread Financial navigates the BNPL revolution, with 85% of partners now offering integrated options, challenging traditional credit models
Growth Amid Challenges
Delve into Bread Financial's strategies for loan growth and market expansion, balancing economic uncertainties with opportunities in consumer spending trends
Analyst Perspectives
Price targets range from $45 to $68, reflecting diverse views on Bread Financial's ability to overcome regulatory hurdles and capitalize on improving financials
Read full SWOT analysis

Bread Financial Holdings Inc Earnings Call Summary for Q2/2025

  • Bread Financial reported Q2 2025 adjusted EPS of $3.15, beating $1.92 forecast, but revenue fell 1% YoY to $929M, missing expectations
  • Stock price volatile: 2.34% pre-market rise followed by 2.1% decline in regular trading; P/E ratio at 10.6x suggests undervaluation
  • Company expects flat or slight decrease in full-year average loans; revenue stable vs 2024; net loss rate guidance adjusted to 7.8-7.9%
  • Focus on technology and AI solutions continues; new co-branded credit card with crypto.com launched to diversify offerings
  • CEO emphasizes strong returns and long-term shareholder value; CFO highlights risk management for industry-leading risk-adjusted returns
Last Updated: 24/07/2025, 15:26
Read Full Transcript

Compare BFH to Peers and Sector

Metrics to compare
BFH
Peers
Sector
Relationship
P/E Ratio
9.5x13.8x9.5x
PEG Ratio
−0.240.040.03
Price/Book
0.9x1.0x1.0x
Price / LTM Sales
1.1x2.1x2.8x
Upside (Analyst Target)
16.1%29.2%13.3%
Fair Value Upside
Unlock10.6%1.7%Unlock

Analyst Ratings

6 Buy
7 Hold
3 Sell
Ratings:
16 analysts
Overall Consensus
Neutral

Analysts 12-Month Price Target:

Average 68.73
(+16.56% Upside)

Dividends

Payout Ratio
Payout ratio (TTM)
Earnings retained
EPS 5.95%
Dividend Yield
1.41%
Industry Median 3.48%
Annualised payout
0.84
Paid quarterly
5-Years Growth
-14.97%
Growth Streak

Earnings

Latest Release
Jul 24, 2025
EPS / Forecast
3.14 / 1.92
Revenue / Forecast
929.00M / 939.84M
EPS Revisions
Last 90 days

BFH Income Statement

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FAQ

What Stock Exchange Does Bread Financial Holdings Trade On?

Bread Financial Holdings is listed and trades on the New York Stock Exchange stock exchange.

What Is the Stock Symbol for Bread Financial Holdings?

The stock symbol for Bread Financial Holdings is "BFH."

What Is the Bread Financial Holdings Market Cap?

As of today, Bread Financial Holdings market cap is 2.75B.

What Is Bread Financial Holdings's Earnings Per Share (TTM)?

The Bread Financial Holdings EPS (TTM) is 5.95.

When Is the Next Bread Financial Holdings Earnings Date?

Bread Financial Holdings will release its next earnings report on 22 Oct 2025.

From a Technical Analysis Perspective, Is BFH a Buy or Sell?

Based on moving averages and other technical indicators, the daily buy/sell signal is Sell.

How Many Times Has Bread Financial Holdings Stock Split?

Bread Financial Holdings has split 0 times.

How Many Employees Does Bread Financial Holdings Have?

Bread Financial Holdings has 6000 employees.

What is the current trading status of Bread Financial Holdings (BFH)?

As of 05 Aug 2025, Bread Financial Holdings (BFH) is trading at a price of 58.97, with a previous close of 59.42. The stock has fluctuated within a day range of 58.43 to 59.76, while its 52-week range spans from 38.21 to 66.71.

What Is Bread Financial Holdings (BFH) Price Target According to Analysts?

The average 12-month price target for Bread Financial Holdings is USD68.73333, with a high estimate of USD98 and a low estimate of USD51. 6 analysts recommend buying the stock, while 3 suggest selling, leading to an overall rating of Neutral. The stock has an +16.56% Upside potential.
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