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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
OverviewStock Price PredictionTechnicalValuationFinancialsEarningsShould I BuyNews & Events
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Intellectia

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High
74.140
Open
72.730
VWAP
73.42
Vol
600.30K
Mkt Cap
3.13B
Low
72.020
Amount
44.07M
EV/EBITDA(TTM)
5.00
Total Shares
43.12M
EV
3.83B
EV/OCF(TTM)
1.83
P/S(TTM)
0.83
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.
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Events Timeline

(ET)
2026-03-11
07:20:00
Bread Financial Updates Performance: Credit Card Loans at $18.08B
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2026-03-10 (ET)
2026-03-10
06:10:00
Ford Signs Long-Term Agreement with Bread Financial to Launch Co-Branded Credit Card
select
2026-02-26 (ET)
2026-02-26
07:50:00
Bread Financial Increases Share Repurchase Authorization by $600 Million
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2026-02-10 (ET)
2026-02-10
07:20:00
End-of-Period Credit Card and Other Loans at $18.39B
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2026-01-29 (ET)
2026-01-29
08:00:00
Company Reports Q4 Revenue of $975M
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News

Yahoo Finance
2.0
13:04 PMYahoo Finance
Financial Stocks Decline Pre-Bell
  • Market Sentiment Dips: Financial stocks were broadly declining pre-bell on Wednesday, reflecting investor concerns about market outlook, which could lead to capital outflows from the financial sector and impact overall market performance.
  • Major Index Volatility: The drop in financial stocks may exert pressure on major indices, especially ahead of economic data releases, as uncertainty regarding future interest rate policies intensifies.
  • Investor Reaction: The pre-bell sell-off in financial stocks may stem from expectations of an economic slowdown, leading to a cautious market sentiment that affects short-term investment decisions.
  • Sector Impact: The decline in the financial sector could affect earnings expectations for related companies, particularly those reliant on rising interest rates, potentially putting further pressure on stock prices.
NASDAQ.COM
7.5
03-10NASDAQ.COM
Ford Partners with Bread Financial for Co-Branded Credit Card Program
  • Partnership Agreement: Ford Motor Company has entered into a long-term agreement with Bread Financial to launch a co-branded credit card and installment loan program, aimed at providing customers with personalized payment, lending, and saving solutions to enhance their financial service experience.
  • Flexible Financing Options: The new financing program offers flexible options designed to increase customer accessibility to subscriptions, parts, and services, while also enhancing customer loyalty through a rewards mechanism, thereby driving sales growth.
  • Enhanced Customer Experience: According to Rick Cunningham, Senior Vice President of Strategy at Bread Financial, this program is designed to bring immediate value and flexibility to Ford customers, creating a more seamless ownership experience that further boosts customer satisfaction.
  • Market Reaction: In pre-market trading on the NYSE, shares of Bread Financial fell by 0.68% to $71.97, reflecting the market's initial response to the new partnership and investor sentiment regarding the collaboration.
Newsfilter
7.5
03-10Newsfilter
Ford Partners with Bread Financial for Co-Branded Credit Card Program
  • Partnership Highlights: Ford Motor Company has entered into a long-term agreement with Bread Financial to launch a co-branded credit card and installment loan program aimed at providing personalized payment and lending solutions to qualifying customers, enhancing the ownership experience.
  • Innovative Rewards Mechanism: Cardholders can earn 15,000 points (approximately $75 redemption value) for purchases made within the first 90 days, along with a $100 statement credit after spending $1,500 in the same period, thereby boosting customer spending motivation and loyalty.
  • Flexible Payment Options: The new financing program offers various flexible payment plans that simplify the purchasing experience on Ford's platforms, enabling customers to finance service and accessory purchases more easily, thus improving overall customer satisfaction.
  • Enhanced Customer Experience: Bread Financial will leverage data-driven insights to continuously optimize the customer experience, reinforcing Ford's commitment to delivering exceptional value at every customer touchpoint and further solidifying customer loyalty.
CNBC
8.5
03-05CNBC
Banks Increase CD Rates to Attract Savers Amid Fed Uncertainty
  • Rate Increases: According to Morgan Stanley, six out of 35 banks raised their top CD rates in February, with the average highest rate increasing by 4 basis points to 3.68%, providing savers with an opportunity to lock in attractive yields.
  • Fed Policy Impact: The current federal funds target rate is between 3.5% and 3.75%, and analysts indicate that uncertainty regarding future Fed rate cuts is prompting banks to raise rates to attract more deposits and enhance profitability.
  • Improved Loan Growth: As borrowing activity picks up, banks are seeing an increase in net interest income, which signifies a widening gap between what they earn from loans and what they pay on deposits, thereby boosting overall profitability.
  • Intensifying Market Competition: Analysts foresee that as new banks enter the market and compete for deposits, CD rates may remain stable or even rise due to increased competition, ultimately providing consumers with more options.
Newsfilter
1.0
03-04Newsfilter
Bread Financial to Participate in RBC 2026 Financial Institutions Conference
  • Conference Participation: Bread Financial will participate in the RBC 2026 Financial Institutions Conference on March 11, where CFO Perry Beberman will engage in a fireside chat at 2:00 p.m. ET, showcasing the company's tech-forward position in financial services and likely attracting investor interest.
  • Live Broadcast and Replay: 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 unable to attend in real-time can access key information, thereby enhancing company transparency.
  • Company Background: Celebrating 30 years in 2026, Bread Financial focuses on providing personalized payment, lending, and saving solutions to millions of U.S. consumers, demonstrating its ongoing innovation and market impact in the fintech sector.
  • Brand Partnerships: The company drives collaboration with recognized brands in travel, entertainment, health, and beauty through private label and co-brand credit cards and pay-over-time products, further enhancing customer experience and market share, reflecting its strategic positioning in diversified financial services.
NASDAQ.COM
8.0
02-27NASDAQ.COM
Analysis of Bread Financial Holdings' Dividends and Volatility
  • Dividend Yield Expectation: Bread Financial Holdings Inc's latest dividend is projected to yield an annualized rate of 1.3%, based on historical dividend data analysis, reflecting the impact of profitability fluctuations on dividend payments, which may attract income-seeking investors.
  • Historical Volatility Assessment: With a trailing twelve-month volatility of 45% calculated from the last 251 trading days' closing prices, this high volatility indicates that investors should exercise caution in options trading, particularly when considering selling covered calls at the $80 strike price.
  • Options Trading Dynamics: On Friday, the put volume among S&P 500 components reached 1.49 million contracts, while call volume was 2.85 million contracts, resulting in a put:call ratio of 0.52, indicating a preference for call options among investors, which may reflect optimism regarding Bread Financial's stock price increase.
  • Market Sentiment Analysis: Current options trading data shows strong bullish sentiment towards Bread Financial, and the higher-than-median put:call ratio suggests increased market confidence in the stock's future performance, potentially influencing its price trajectory.
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
Evercore ISI
John Pancari
In Line -> Outperform
upgrade
$81 -> $90
AI Analysis
2026-02-05
Reason
Evercore ISI
John Pancari
Price Target
$81 -> $90
AI Analysis
2026-02-05
upgrade
In Line -> Outperform
Reason
Evercore ISI analyst John Pancari upgraded Bread Financial to Outperform from In Line with a price target of $90, up from $81. The firm, which notes that its updated EPS outlook is modestly above the Street, expects Bread's improving earnings trends, inflecting growth, well-managed credit risk, and "solid" capital returns to present upside to the stock's discount valuation, the analyst tells investors.
TD Cowen
Moshe Orenbuch
Hold
maintain
$85 -> $88
2026-01-30
Reason
TD Cowen
Moshe Orenbuch
Price Target
$85 -> $88
2026-01-30
maintain
Hold
Reason
TD Cowen analyst Moshe Orenbuch raised the firm's price target on Bread Financial to $88 from $85 and keeps a Hold rating on the shares. The firm updated its model following its broad Q4 earnings beat and solid guidance.
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 8.69, compared to its 5-year average forward P/E of 7.02. 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
7.02
Current PE
8.69
Overvalued PE
9.83
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
0.00
Current EV/EBITDA
0.00
Overvalued EV/EBITDA
0.00
Undervalued EV/EBITDA
0.00

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
0.67
Current PS
0.88
Overvalued PS
0.94
Undervalued PS
0.41

Financials

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Whales Holding BFH

B
Bridgeway Capital Management, LLC
Holding
BFH
+1.74%
3M Return
C
Cambria Investment Management, L.P.
Holding
BFH
+0.74%
3M Return
B
Basswood Capital Management, L.L.C.
Holding
BFH
-8.63%
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 74.09 USD — it has increased 2.07

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 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.

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 1.04B USD, increased 1.46

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 1.17 USD, increased 735.71

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

Bread Financial Holdings Inc (BFH) has 6000 emplpoyees as of March 11 2026.

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

Today BFH has the market capitalization of 3.13B USD.