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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
103.800
Open
102.920
VWAP
102.66
Vol
1.46M
Mkt Cap
4.14B
Low
101.770
Amount
150.27M
EV/EBITDA(TTM)
5.41
Total Shares
40.41M
EV
4.38B
EV/OCF(TTM)
2.00
P/S(TTM)
1.13
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

(ET)
2026-04-27
10:20:00
General Motors Expects FY26 EPS of $11-$13
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News

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.
CNBC
8.5
05-27CNBC
Fed Rate Hike Expectations Impact Savings Yields
  • Inflation Pressure Intensifies: According to AAA, the current national average gasoline price stands at $4.459 per gallon, up from $3.174 a year ago, reflecting the ongoing impact of the Iran war on fuel prices, which exacerbates consumer living costs.
  • Rate Expectation Shifts: The CME Group's FedWatch indicates nearly a 50% likelihood of a Fed rate hike in December, causing savers to feel uneasy about future rate trends, which impacts yields on cash instruments.
  • Rising Bank Deposit Rates: Bread Financial has raised its 1-year CD annual percentage yield to 4%, an increase of 15 basis points from the previous week, driven by loan growth and rate expectations, attracting more savers' attention.
  • Short-Term Cash Investment Appeal: While current CD rates, such as Popular Direct's 12-month CD offering 4.11%, are attractive, analysts warn that these yields may not keep pace with inflation long-term and could adjust upon maturity, affecting investors' return expectations.
Newsfilter
9.5
05-15Newsfilter
Bread Financial Provides Performance Update
  • Improved Loss Rate: As of April 2026, Bread Financial's net principal loss rate decreased to 7.09% from 7.85% in 2025, indicating effective risk management and enhancing investor confidence in the company's financial health.
  • Declining Delinquency Rate: The delinquency rate fell to 5.34% as of April 2026, down from 5.73% in 2025, reflecting positive progress in credit quality management, which helps improve customer satisfaction and reduce potential losses.
  • Loan Growth: Total credit card and other loans reached $18.123 billion as of April 2026, a 2.0% increase from $17.721 billion in 2025, showcasing the company's strong performance amid recovering market demand and further solidifying its market position.
  • Expanded Customer Base: Bread Financial has continued to attract new customers over the past year, particularly in travel, entertainment, and health & beauty sectors, by offering personalized payment and lending solutions, thereby strengthening partnerships with well-known brands and driving sustainable business growth.
Fool
2.0
05-06Fool
Brooktree Capital Management Sells Shares of Bread Financial Holdings
  • Share Reduction Details: Brooktree Capital Management sold 63,530 shares of Bread Financial Holdings in Q1 2026, with an estimated transaction value of $4.68 million, reducing its stake to 5.85% of the fund's AUM.
  • Stock Performance: As of May 5, 2026, Bread Financial's shares were priced at $85.09, reflecting a 76.5% increase over the past year, significantly outperforming the S&P 500 by 48.03 percentage points, indicating strong market performance.
  • Financial Health: The company reported a net income of $181 million in Q1, up $43 million year-over-year, with diluted earnings per share rising 50% to $4.15, showcasing sustained profitability improvements.
  • Credit Metrics Improvement: Bread's net loss rate decreased from 8.16% to 7.33% year-over-year, with delinquency rates improving by 34 basis points, indicating enhanced credit quality, while also repurchasing 3.5 million shares during the quarter to boost shareholder value.
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
RBC Capital
Sector Perform
maintain
$105 -> $115
AI Analysis
2026-06-12
Reason
RBC Capital
Price Target
$105 -> $115
AI Analysis
2026-06-12
maintain
Sector Perform
Reason
RBC Capital raised the firm's price target on Bread Financial to $115 from $105 and keeps a Sector Perform rating on the shares after hosting its management team for investor meetings. The management provided a confident message on the outlook following the release of positive May monthly card data earlier this week, and the firm believes that credit remains on an improving trajectory ahead of prior expectations with loan growth improving on a year over year basis, the analyst tells investors in a research note.
Evercore ISI
NULL
to
Outperform
maintain
$87 -> $99
2026-04-29
Reason
Evercore ISI
Price Target
$87 -> $99
2026-04-29
maintain
NULL
to
Outperform
Reason
Evercore ISI raised the firm's price target on Bread Financial to $99 from $87 and keeps an Outperform 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 8.98, compared to its 5-year average forward P/E of 6.95. 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
6.95
Current PE
8.98
Overvalued PE
9.70
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
1.94
Current EV/EBITDA
3.02
Overvalued EV/EBITDA
4.67
Undervalued EV/EBITDA
-0.78

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
0.66
Current PS
1.01
Overvalued PS
0.88
Undervalued PS
0.44

Financials

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Whales Holding BFH

B
Basswood Capital Management, L.L.C.
Holding
BFH
+11.46%
3M Return
C
Cambria Investment Management, L.P.
Holding
BFH
+11.25%
3M Return
T
Turtle Creek Asset Management Inc.
Holding
BFH
+6.86%
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 102.41 USD — it has increased 0.97

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 June 21 2026.

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

Today BFH has the market capitalization of 4.14B USD.