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BFH Overview

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$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
$
0.000
0.000(0.000%)
At close
0.000(0.000%)Aft-market
ET
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Intellectia

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High
105.740
Open
104.995
VWAP
103.45
Vol
431.53K
Mkt Cap
4.14B
Low
102.255
Amount
44.64M
EV/EBITDA(TTM)
5.46
Total Shares
40.41M
EV
4.42B
EV/OCF(TTM)
2.02
P/S(TTM)
1.14
Bread Financial Holdings, Inc. is a tech-forward financial services company which is engaged in providing simple, personalized payment, lending, and saving solutions. The Company's product offerings consist of co-brand and private label credit card programs with retailers and other brand partners; direct-to-consumer (DTC); proprietary general purpose credit cards; Bread Pay products; and Bread Savings products. Its payment solutions, including Bread Financial general purpose credit cards and savings products. Its private label credit cards are partner-branded credit cards used by consumers for the purchase of goods and services from that partner. Bread Pay is its payment technology solution for pay-over-time products. The Company's products are supported by various services and capabilities, including risk management, underwriting, and funding services; credit card and other loan processing and servicing; fraud prevention; marketing, and data and analytics; and others.
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Events Timeline

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News

Newsfilter
1.0
07-07Newsfilter
Bread Financial to Host Q2 2026 Earnings Call
  • Earnings Call Schedule: Bread Financial will host a conference call on July 23, 2026, at 8:30 a.m. ET to discuss its Q2 2026 financial results, which is expected to provide investors with insights into the company's operational and financial status.
  • Participant Registration Info: Participants can register in advance to join the call, and the meeting will be available via the company's investor relations website, ensuring analysts and investors can access key information promptly.
  • Technical Support and Preparation: Attendees are advised to visit the website at least 15 minutes prior to the call to register and download any necessary software, highlighting the company's emphasis on technical support for a smooth webcast experience.
  • Bread Financial Overview: Celebrating its 30th anniversary in 2026, Bread Financial is a tech-forward financial services company that offers personalized payment, lending, and saving solutions to millions of U.S. consumers, showcasing its sustained growth potential in the financial services sector.
CNBC
4.0
06-30CNBC
Uncertain Federal Reserve Rate Policy Outlook
  • Rate Hike Expectations: As the second half of 2026 begins, market expectations for a Federal Reserve rate hike are rising, with the CME Group FedWatch tool indicating nearly a 67% probability of a hike in September, which could impact investor savings yields.
  • Deposit Rate Adjustments: Banks are fine-tuning deposit rates in a high-rate environment, with the average annual percentage yield (APY) on 1-year CDs rising by 19 basis points quarter-to-date, and some banks offering new money rates approximately 35 basis points above the industry average.
  • Short-Term Investment Opportunities: For investors with short-term goals, both Bread Financial and Citi are offering a 4% yield on 1-year CDs, while Popular Direct is providing a 4.15% yield for the same maturity, attracting those seeking stable returns.
  • Flexible Deposit Options: Synchrony offers a 4% APY on 13-month instruments, while Happen Bank touts a 4.15% yield on 11-month CDs, indicating strong market demand for deposits across various maturities.
seekingalpha
7.5
06-23seekingalpha
Mid-Cap Financial Stocks Show Strong Gains
  • Momentum Ratings Surge: Acadian Asset Management (AAMI) and Bread Financial Holdings (BFH) received A+ momentum grades, indicating strong price performance relative to peers, with AAMI achieving a 53.49% increase over the past six months, significantly enhancing its competitive position among mid-cap financial stocks.
  • Sector Performance Comparison: According to Seeking Alpha's momentum ratings, several mid-cap financial stocks like Affiliated Managers Group (AMG) and Banco Latinoamericano (BLX) also performed well, with AMG showing a 24.21% increase and BLX at 38.64%, reflecting their relative strength in the market.
  • Credit Metrics Improvement: Bread Financial reported stronger credit metrics and loan growth for May, with credit card delinquencies and charge-offs dropping below the three-month moving average, demonstrating effective credit management that could further boost investor confidence.
  • Optimistic Market Outlook: With the overall strong performance of mid-cap financial stocks, investors are optimistic about the future growth potential of these companies, especially in the context of economic recovery, which is expected to attract more capital into the sector.
NASDAQ.COM
6.5
06-19NASDAQ.COM
Investors Eye Value Appeal of BFH vs. FUTU
  • Rating Comparison: Bread Financial Holdings (BFH) currently holds a Zacks Rank of 1 (Strong Buy), while Futu Holdings (FUTU) has a Zacks Rank of 5 (Strong Sell), indicating that BFH's earnings estimate revision activity is more favorable, leading to a more optimistic outlook from investors.
  • Valuation Metrics Analysis: BFH's forward P/E ratio stands at 9.64, lower than FUTU's 10.80, and BFH's PEG ratio is 0.93 compared to FUTU's 1.13, suggesting that BFH is more attractive to value investors.
  • Price-to-Book Ratio Comparison: BFH's P/B ratio of 1.24 is significantly lower than FUTU's 2.56, indicating that BFH's market value relative to its book value is more appealing, potentially attracting more value-focused investors.
  • Improving Earnings Outlook: BFH's improving earnings outlook makes it stand out in the Zacks Rank model, and combined with the aforementioned valuation metrics, BFH is considered the superior value option at present, likely drawing more investor interest.
Newsfilter
9.5
06-10Newsfilter
Bread Financial Holdings Provides 2026 Performance Update
  • Improved Loss Rate: As of May 31, 2026, Bread Financial's net principal loss rate decreased to 6.98% from 7.97% in 2025, indicating effective risk management that may enhance investor confidence moving forward.
  • Declining Delinquency Rate: The delinquency rate fell to 5.24% as of May 31, 2026, down from 5.71% in 2025, suggesting positive progress in customer credit management and repayment capabilities, which could bolster future profitability.
  • Loan Growth: Total credit card and other loans reached $18.363 billion as of May 31, 2026, a 2.6% increase from $17.702 billion in 2025, reflecting the company's success in expanding market demand and customer base.
  • Enhanced Market Competitiveness: Bread Financial's ongoing innovation in providing personalized payment, lending, and saving solutions, combined with its 30 years of industry experience, strengthens its competitive position in the U.S. consumer financial services market, likely driving future business growth.
CNBC
2.0
06-08CNBC
High-Yield Savings Accounts Cut Rates Despite Fed Stance
  • Rate Cuts Trend: Four high-yield savings accounts operated by Apple, Ally Financial, Capital One, and Marcus by Goldman Sachs have recently cut their rates, resulting in a 5 basis point drop in the peer median savings rate to 3.4%, indicating a lack of optimism in the market regarding future Fed rate cuts.
  • Market Expectation Shift: Although the Fed has not cut rates since December, elevated inflation and a strong jobs report have pushed back expectations for further cuts this year, with some traders even pricing in potential rate hikes.
  • Increased Deposit Competition: BTIG analysts suggest that despite the rate cuts, competition for deposits among online banks may intensify, especially as the Trump administration approves more bank applications, which could influence future deposit rate trends.
  • CD Advantages: Currently, Bread Financial and LendingClub offer a 4% annual percentage yield, while other 1-year CDs under BTIG's coverage yield less than 4%, with CDs providing the advantage of locking in rates, although early withdrawals may incur penalties.
Wall Street analysts forecast BFH stock price to rise
12 Analyst Rating
Wall Street analysts forecast BFH stock price to rise
5 Buy
4 Hold
3 Sell
Hold
Current: 0.000
sliders
Low
64.00
Averages
83.25
High
98.00
Current: 0.000
sliders
Low
64.00
Averages
83.25
High
98.00
UBS
Buy
maintain
$94 -> $120
AI Analysis
2026-07-07
New
Reason
UBS
Price Target
$94 -> $120
AI Analysis
2026-07-07
New
maintain
Buy
Reason
UBS raised the firm's price target on Bread Financial to $120 from $94 and keeps a Buy rating on the shares.
Goldman Sachs
Neutral
maintain
$94 -> $108
2026-07-07
New
Reason
Goldman Sachs
Price Target
$94 -> $108
2026-07-07
New
maintain
Neutral
Reason
Goldman Sachs raised the firm's price target on Bread Financial to $108 from $94 and keeps a Neutral rating on the shares.
Unlock Full Analyst Thesis, Get the complete breakdown of rating reason for BFH
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Valuation Metrics

The current forward P/E ratio for Bread Financial Holdings Inc (BFH.N) is 8.97, compared to its 5-year average forward P/E of 6.96. For a more detailed relative valuation and DCF analysis to assess Bread Financial Holdings Inc's fair value, Click here.

Forward PE

The forward P/E ratio is a valuation metric that divides a company's current stock price by its estimated future earnings per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PE
6.96
Current PE
8.97
Overvalued PE
9.71
Undervalued PE
4.21

Forward EV/EBITDA

The forward EV/EBITDA ratio is a valuation metric that divides a company's enterprise value (EV) by its estimated future earnings before interest, taxes, depreciation, and amortization (EBITDA) over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
N/A
5Y Average EV/EBITDA
1.98
Current EV/EBITDA
3.04
Overvalued EV/EBITDA
4.67
Undervalued EV/EBITDA
-0.70

Forward PS

The forward P/S ratio is a valuation metric that divides a company's current stock price by its estimated future sales (or revenue) per share over the next 12 months.
StronglyUndervaluedUndervaluedFairOvervaluedStronglyOvervalueddotted line Image
5Y Average PS
0.65
Current PS
1.02
Overvalued PS
0.87
Undervalued PS
0.44

Financials

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Quarterly

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Whales Holding BFH

B
Basswood Capital Management, L.L.C.
Holding
BFH
+7.54%
3M Return
C
Cambria Investment Management, L.P.
Holding
BFH
+6.59%
3M Return
T
Turtle Creek Asset Management Inc.
Holding
BFH
-0.16%
3M Return

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Frequently Asked Questions

What is Bread Financial Holdings Inc (BFH) stock price today?

The current price of BFH is 102.36 USD — it has decreased -1.12

What is Bread Financial Holdings Inc (BFH)'s business?

Bread Financial Holdings, Inc. is a tech-forward financial services company which is engaged in providing simple, personalized payment, lending, and saving solutions. The Company's product offerings consist of co-brand and private label credit card programs with retailers and other brand partners; direct-to-consumer (DTC); proprietary general purpose credit cards; Bread Pay products; and Bread Savings products. Its payment solutions, including Bread Financial general purpose credit cards and savings products. Its private label credit cards are partner-branded credit cards used by consumers for the purchase of goods and services from that partner. Bread Pay is its payment technology solution for pay-over-time products. The Company's products are supported by various services and capabilities, including risk management, underwriting, and funding services; credit card and other loan processing and servicing; fraud prevention; marketing, and data and analytics; and others.

What is the price predicton of BFH Stock?

Wall Street analysts forecast BFH stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for BFH is83.25 USD with a low forecast of 64.00 USD and a high forecast of 98.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.

What is Bread Financial Holdings Inc (BFH)'s revenue for the last quarter?

Bread Financial Holdings Inc revenue for the last quarter amounts to 1.07B USD, increased 0.66

What is Bread Financial Holdings Inc (BFH)'s earnings per share (EPS) for the last quarter?

Bread Financial Holdings Inc. EPS for the last quarter amounts to 4.14 USD, increased 48.92

How many employees does Bread Financial Holdings Inc (BFH). have?

Bread Financial Holdings Inc (BFH) has 6000 emplpoyees as of July 08 2026.

What is Bread Financial Holdings Inc (BFH) market cap?

Today BFH has the market capitalization of 4.14B USD.