BFH

Bread Financial Holdings Inc

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Advanced Chart

54.330

-0.960(-1.740%)

Overview
Forecast
Valuation

Line

Candle

YTD

High

55.015

Open

54.810

VWAP

54.41

Vol

1.08M

Mkt Cap

2.53B

Low

53.730

Amount

58.79M

EV/EBITDA(TTM)

7.29

Total Shares

49.58M

3.48B

EV/OCF(TTM)

1.93

P/S(TTM)

0.65

Bread Financial Holdings, Inc. is a tech-forward financial services company. The Company is engaged in providing simple, personalized payment, lending, and saving solutions. The Company through its data insights and white-label technology, it delivers a comprehensive product suite, including private label and co-brand credit cards and buy now, pay later products (split-pay). It also offers direct-to-consumer solutions that give customers more access, and freedom through its branded Bread Cashback American Express Credit Card and Bread Savings products. The Company offers both direct-to-consumer retail deposit products as well as deposits sourced through contractual arrangements with various financial counterparties (often referred to as wholesale deposits). Its products are supported by various services and capabilities, including risk management, account origination and funding services; loan processing and servicing; marketing and data and analytics; and its Enhanced Digital Suite.

Market Estimates

Earnings Estimates

Revenue

YoY Chg

EPS

YoYChg

FY2025Q2

FY2025Q3

FY2025Q4

940.95M

+0.21%

1.695

-36.26%

996.96M

+1.42%

2.094

+13.83%

980.64M

+5.9%

0.431

+5.03%

Estimates Revision

The market is revising Downward the revenue expectations for Bread Financial Holdings, Inc. (BFH) for FY2025, with the revenue forecasts being adjusted by -1.08% over the past three months. During the same period, the stock price has changed by -12.30%.

Revenue Estimates for FY2025

Revise Downward

-1.08%

In Past 3 Month

EPS Estimates for FY2025

Revise Upward

+0.98%

In Past 3 Month

Stock Price

Go Down

-12.30%

In Past 3 Month

9 Analyst Rating

-0.61% Downside

Wall Street analysts forecast BFH stock price to fall over the next 12 months. According to Wall Street analysts, the average 1-year price target for BFH is 54.00 USD with a low forecast of 36.00 USD and a high forecast of 88.00 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.

2 Buy

5 Hold

2 Sell

Hold

-0.61% Downside

Current: 54.330

Low

36.00

Averages

54.00

High

88.00

-0.61% Downside

Current: 54.330

Low

36.00

Averages

54.00

High

88.00

JMP Securities

David Scharf

Hold

Reiterates

n/a

2025-04-28

Reason

JMP Securities

David Scharf

Price Target

n/a

2025-04-28

Reiterates

Hold

Reason

Jefferies

John Hecht

Hold

Maintains

$45 → $50

2025-04-24

Reason

Jefferies

John Hecht

Price Target

$45 → $50

2025-04-24

Maintains

Hold

Reason

Goldman Sachs

Ryan Nash

Strong Sell

Maintains

$68 → $58

2025-03-18

Reason

Goldman Sachs

Ryan Nash

Price Target

$68 → $58

2025-03-18

Maintains

Strong Sell

Reason

JMP Securities

David Scharf

Hold

Reiterates

n/a

2025-02-03

Reason

JMP Securities

David Scharf

Price Target

n/a

2025-02-03

Reiterates

Hold

Reason

Barclays

Terry Ma

Sell

Maintains

$51 → $53

2025-01-31

Reason

Barclays

Terry Ma

Price Target

$51 → $53

2025-01-31

Maintains

Sell

Reason

Barclays raised the firm's price target on Bread Financial to $53 from $51 and keeps an Underweight rating on the shares. The company's Q4 earnings beat estimates primarily due to lower non-interest expenses and a tax benefit, the analyst tells investors in a research note. The firm says the revenue guide came in weaker than it expected.

RBC Capital

Karl Shepard

Hold

Maintains

$62 → $68

2025-01-31

Reason

RBC Capital

Karl Shepard

Price Target

$62 → $68

2025-01-31

Maintains

Hold

Reason

RBC Capital analyst Jon Arfstrom raised the firm's price target on Bread Financial to $68 from $62 and keeps a Sector Perform rating on the shares after its Q4 results. The company's fundamentals were stable and seasonally higher loan growth drove quarterly trends, while its 2025 outlook was consistent with the firm's prior expectation for directional improvement, the analyst tells investors in a research note. Bread Financial looks to be on track to return to stronger growth over time and potentially later in 2025, the firm added.

See All Ratings

Valuation Metrics

The current forward P/E ratio for Bread Financial Holdings Inc (BFH.N) is 7.94, compared to its 5-year average forward P/E of 6.55. 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.

Fair

5Y Average PE

6.55

Current PE

7.94

Overvalued PE

9.42

Undervalued PE

3.69

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.

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.

Fair

5Y Average PS

0.67

Current PS

0.65

Overvalued PS

0.94

Undervalued PS

0.39