End-of-Period Credit Card and Other Loans at $18.39B
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Feb 10 2026
0mins
Should l Buy BFH?
Reports End-of-period credit card and other loans $18.39B; average credit card and other loans $18.53B; net principal losses $111M ; delinquency rate 5.9%.
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Analyst Views on BFH
Wall Street analysts forecast BFH stock price to rise
12 Analyst Rating
5 Buy
4 Hold
3 Sell
Hold
Current: 74.430
Low
64.00
Averages
83.25
High
98.00
Current: 74.430
Low
64.00
Averages
83.25
High
98.00
About BFH
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 private label and co-brand credit card programs with retailers and other brand partners; direct-to-consumer (DTC) 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, account origination and funding services; credit card and other loan processing and servicing; fraud prevention; marketing, and data and analytics; and digital and mobile capabilities.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Bread Financial Reports Reduced Net Losses and Improved Delinquency Rates
- Reduced Net Losses: Bread Financial reported net principal losses of $111 million for the month ending January 31, 2026, down from $123 million a year earlier, indicating progress in loss control measures.
- Improved Delinquency Rates: The 30+ day delinquent principal decreased to $960 million from $1.03 billion in the prior year, with the delinquency rate improving from 6.1% to 5.9%, reflecting enhanced customer repayment capabilities.
- Stable Loan Balances: End-of-period credit card and other loans totaled $18.39 billion, slightly up from $18.37 billion a year ago, indicating stability in the company's loan portfolio management.
- Flat Credit Performance: Average credit card and other loans stood at $18.53 billion, essentially flat year over year, demonstrating consistent market demand and ongoing efforts in credit management.
See More
Evercore ISI Upgrades Bread Financial to Outperform Amid Improving Earnings
- Rating Upgrade: Evercore ISI upgraded Bread Financial Holdings (BFH) from In Line to Outperform, reflecting the credit card company's improving earnings trends and inflecting growth trajectory, which is expected to attract broader institutional investor interest.
- Net Interest Income Improvement: Analyst John Pancari anticipates that despite near-term rate headwinds, rebounding loan growth and debt restructuring will enhance its pretax preprovision net revenue outlook, thereby boosting investor confidence.
- Positive Operating Leverage: Pancari also noted the likelihood of positive operating leverage by 2026, with credit metrics, particularly delinquency rates, showing improvement, indicating the company's robust risk and capital management practices.
- Share Buyback Potential: The analyst mentioned that Bread Financial has room for continued solid share buybacks, and although its shares have outperformed since early November, they still trade at only 6.3x the 2027 EPS estimate, compared to 8.8x for its consumer finance peers.
See More
Latest Wall Street Rating Updates
- Goldman Sachs Reiterates Nvidia: Goldman Sachs maintains a Buy rating on Nvidia ahead of its earnings report, expecting investors to focus on visibility into 2027, non-traditional customer demand, and trends in the Chinese market, indicating strong market confidence in Nvidia's future growth.
- Benchmark Initiates Cava Rating: Benchmark initiates coverage of CAVA Group with a Buy rating and an $80 price target, reflecting its leadership position in the rapidly emerging Mediterranean dining market, which is expected to attract more investor interest in this burgeoning sector.
- BMO Capital Upgrades Brookfield: BMO upgrades Brookfield Asset Management from Market Perform to Outperform, citing attractive mid-teens distributable earnings growth prospects underpinned by continued fundraising momentum and fee rate resilience, showcasing the company's robust financial health.
- Bank of America Downgrades Qualcomm: Bank of America downgrades Qualcomm from Buy to Neutral, lowering the price target from $215 to $155 due to concerns over cyclical and structural weaknesses in the handset market, which may adversely affect its future performance.
See More
Bread Financial to Participate in UBS Financial Services Conference
- Conference Participation: Bread Financial will participate in the UBS Financial Services Conference on February 11, with CFO Perry Beberman scheduled for a fireside chat at 12:10 PM ET, which is expected to draw investor attention and enhance the company's visibility.
- Live and Replay Access: The fireside chat will be broadcast live on Bread Financial's investor relations website, with a replay available for 90 days post-event, ensuring that investors who cannot attend live can still access key information.
- Company Background: Founded in 1996, Bread Financial focuses on providing personalized payment, lending, and saving solutions, aiming to deliver simple and effective financial services to U.S. consumers, marking its 30th anniversary in 2026.
- Market Impact: By participating in significant financial conferences, Bread Financial not only showcases its leadership in the fintech space but also has the potential to attract more investor interest in its innovative payment solutions, thereby driving future business growth.
See More
Bread Financial to Participate in Bank of America Financial Services Conference
- Conference Participation: Bread Financial will participate in the Bank of America 2026 Financial Services Conference on February 10, featuring CEO Ralph Andretta and CFO Perry Beberman in a fireside chat, which is expected to attract investor attention and enhance the company's visibility in the financial services sector.
- Live Broadcast: The fireside chat is scheduled for 3:30 PM ET, and investors can access the live stream through Bread Financial's investor relations website, enhancing engagement with investors and increasing transparency.
- Replay Availability: A replay of the webcast will be available for 90 days post-event, ensuring that investors who cannot attend live can still access key information, further promoting communication between the company and its investors.
- Company Background: Celebrating 30 years in 2026, Bread Financial focuses on providing personalized payment, lending, and saving solutions to millions of U.S. consumers, showcasing its ongoing innovation and competitive strength in the fintech space.
See More
Bread Financial Reports Strong Q4 2025 Earnings with Strategic Growth Initiatives
- Strong Financial Performance: Bread Financial reported a net income of $53 million for Q4 2025, with adjusted earnings per share at $2.07, indicating sustained growth in revenue and profitability that reflects the company's competitive position in the market.
- Credit Sales Growth: Q4 credit sales reached $8.1 billion, a 2% year-over-year increase, while total credit sales for the year amounted to $27.8 billion, up 3%, demonstrating the company's success in expanding its customer base and enhancing sales volume.
- Capital Return Strategy: The company returned $310 million to shareholders through share repurchases and increased dividends by 10%, showcasing its commitment to shareholder value and effective capital management, which boosts market confidence in its future growth.
- Optimistic Outlook: Management anticipates low single-digit growth in loans and revenue for 2026, and despite macroeconomic risks, the company aims to maintain operational efficiency and robust credit metrics through technology investments and responsible underwriting practices.
See More
Bread Financial Reports Reduced Net Losses and Improved Delinquency Rates
- Reduced Net Losses: Bread Financial reported net principal losses of $111 million for the month ending January 31, 2026, down from $123 million a year earlier, indicating progress in loss control measures.
- Improved Delinquency Rates: The 30+ day delinquent principal decreased to $960 million from $1.03 billion in the prior year, with the delinquency rate improving from 6.1% to 5.9%, reflecting enhanced customer repayment capabilities.
- Stable Loan Balances: End-of-period credit card and other loans totaled $18.39 billion, slightly up from $18.37 billion a year ago, indicating stability in the company's loan portfolio management.
- Flat Credit Performance: Average credit card and other loans stood at $18.53 billion, essentially flat year over year, demonstrating consistent market demand and ongoing efforts in credit management.
See More
Evercore ISI Upgrades Bread Financial to Outperform Amid Improving Earnings
- Rating Upgrade: Evercore ISI upgraded Bread Financial Holdings (BFH) from In Line to Outperform, reflecting the credit card company's improving earnings trends and inflecting growth trajectory, which is expected to attract broader institutional investor interest.
- Net Interest Income Improvement: Analyst John Pancari anticipates that despite near-term rate headwinds, rebounding loan growth and debt restructuring will enhance its pretax preprovision net revenue outlook, thereby boosting investor confidence.
- Positive Operating Leverage: Pancari also noted the likelihood of positive operating leverage by 2026, with credit metrics, particularly delinquency rates, showing improvement, indicating the company's robust risk and capital management practices.
- Share Buyback Potential: The analyst mentioned that Bread Financial has room for continued solid share buybacks, and although its shares have outperformed since early November, they still trade at only 6.3x the 2027 EPS estimate, compared to 8.8x for its consumer finance peers.
See More
Latest Wall Street Rating Updates
- Goldman Sachs Reiterates Nvidia: Goldman Sachs maintains a Buy rating on Nvidia ahead of its earnings report, expecting investors to focus on visibility into 2027, non-traditional customer demand, and trends in the Chinese market, indicating strong market confidence in Nvidia's future growth.
- Benchmark Initiates Cava Rating: Benchmark initiates coverage of CAVA Group with a Buy rating and an $80 price target, reflecting its leadership position in the rapidly emerging Mediterranean dining market, which is expected to attract more investor interest in this burgeoning sector.
- BMO Capital Upgrades Brookfield: BMO upgrades Brookfield Asset Management from Market Perform to Outperform, citing attractive mid-teens distributable earnings growth prospects underpinned by continued fundraising momentum and fee rate resilience, showcasing the company's robust financial health.
- Bank of America Downgrades Qualcomm: Bank of America downgrades Qualcomm from Buy to Neutral, lowering the price target from $215 to $155 due to concerns over cyclical and structural weaknesses in the handset market, which may adversely affect its future performance.
See More
Bread Financial to Participate in UBS Financial Services Conference
- Conference Participation: Bread Financial will participate in the UBS Financial Services Conference on February 11, with CFO Perry Beberman scheduled for a fireside chat at 12:10 PM ET, which is expected to draw investor attention and enhance the company's visibility.
- Live and Replay Access: The fireside chat will be broadcast live on Bread Financial's investor relations website, with a replay available for 90 days post-event, ensuring that investors who cannot attend live can still access key information.
- Company Background: Founded in 1996, Bread Financial focuses on providing personalized payment, lending, and saving solutions, aiming to deliver simple and effective financial services to U.S. consumers, marking its 30th anniversary in 2026.
- Market Impact: By participating in significant financial conferences, Bread Financial not only showcases its leadership in the fintech space but also has the potential to attract more investor interest in its innovative payment solutions, thereby driving future business growth.
See More
Bread Financial to Participate in Bank of America Financial Services Conference
- Conference Participation: Bread Financial will participate in the Bank of America 2026 Financial Services Conference on February 10, featuring CEO Ralph Andretta and CFO Perry Beberman in a fireside chat, which is expected to attract investor attention and enhance the company's visibility in the financial services sector.
- Live Broadcast: The fireside chat is scheduled for 3:30 PM ET, and investors can access the live stream through Bread Financial's investor relations website, enhancing engagement with investors and increasing transparency.
- Replay Availability: A replay of the webcast will be available for 90 days post-event, ensuring that investors who cannot attend live can still access key information, further promoting communication between the company and its investors.
- Company Background: Celebrating 30 years in 2026, Bread Financial focuses on providing personalized payment, lending, and saving solutions to millions of U.S. consumers, showcasing its ongoing innovation and competitive strength in the fintech space.
See More
Bread Financial Reports Strong Q4 2025 Earnings with Strategic Growth Initiatives
- Strong Financial Performance: Bread Financial reported a net income of $53 million for Q4 2025, with adjusted earnings per share at $2.07, indicating sustained growth in revenue and profitability that reflects the company's competitive position in the market.
- Credit Sales Growth: Q4 credit sales reached $8.1 billion, a 2% year-over-year increase, while total credit sales for the year amounted to $27.8 billion, up 3%, demonstrating the company's success in expanding its customer base and enhancing sales volume.
- Capital Return Strategy: The company returned $310 million to shareholders through share repurchases and increased dividends by 10%, showcasing its commitment to shareholder value and effective capital management, which boosts market confidence in its future growth.
- Optimistic Outlook: Management anticipates low single-digit growth in loans and revenue for 2026, and despite macroeconomic risks, the company aims to maintain operational efficiency and robust credit metrics through technology investments and responsible underwriting practices.
See More
