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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

Loading chart...

High
87.560
Open
87.300
VWAP
86.10
Vol
195.95K
Mkt Cap
3.53B
Low
85.230
Amount
16.87M
EV/EBITDA(TTM)
4.65
Total Shares
40.41M
EV
3.77B
EV/OCF(TTM)
1.72
P/S(TTM)
0.96
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)
2026-04-27
10:20:00
General Motors Expects FY26 EPS of $11-$13
select
2026-04-23 (ET)
2026-04-23
07:10:00
Bread Financial Reports Q1 EPS of $4.15
select

News

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.
Newsfilter
8.5
05-06Newsfilter
Bread Financial Prices Public Offering of 4.8 Million Preferred Shares
  • Offering Size: Bread Financial announced a public offering of 4.8 million preferred shares at $25 each, expecting approximately $115.32 million in net proceeds after underwriting discounts and expenses, which will strengthen the company's capital base for future growth.
  • Underwriting Arrangement: The offering is underwritten by Morgan Stanley, RBC Capital Markets, UBS Securities, Wells Fargo Securities, and Keefe, Bruyette & Woods, with underwriters granted an option to purchase an additional 720,000 shares within 30 days, indicating strong market demand for the stock.
  • Use of Proceeds: The company intends to use the proceeds for general corporate purposes, including lending to its subsidiary Comenity Capital Bank and share repurchases, thereby enhancing its financial flexibility and supporting business expansion.
  • Listing Plans: Bread Financial expects to list these preferred shares on the New York Stock Exchange, which will further enhance its market visibility and investor confidence, positioning the company more favorably in the competitive financial services market.
CNBC
4.5
04-29CNBC
Federal Reserve Holds Rates Steady, Some Banks Cut Yields
  • Stable Rate Policy: The Federal Reserve's decision to maintain the federal funds rate between 3.5%-3.75% is generally positive for savers; however, some banks have still lowered their high-yield savings account rates, indicating competitive pressures in the market.
  • Yield Cuts by Banks: According to a BTIG report, three major banks—Capital One, Synchrony, and Marcus by Goldman Sachs—have recently reduced their annual percentage yields, following a cut by Ally Financial, reflecting adjustments in banking strategies under yield pressure.
  • Shifting Market Expectations: While analysts believe the Fed will not cut rates, bank earnings reports indicate robust consumer spending and lending in the U.S., suggesting that growth expectations remain intact, which could influence future rate decisions.
  • Deposit Product Yield Comparison: Despite some banks lowering rates, Bread Financial and LendingClub maintain a 4% yield, but they are expected to follow suit with cuts, highlighting the ongoing competition for high-yield deposit products in the market.
seekingalpha
9.5
04-23seekingalpha
Bread Financial Reports Strong Q1 2026 Results with Loan Growth
  • Loan Growth Recovery: Bread Financial reported a return to loan growth in Q1 2026, with average loans increasing by 1% to $18.3 billion and end-of-period loans rising by 2% to $18.1 billion, indicating a positive trend in the credit market that enhances future profitability expectations.
  • Strong Credit Sales: The company achieved $6.5 billion in credit sales during the first quarter, reflecting a 7% year-over-year increase, which not only highlights the successful launch of new brand partnerships but also indicates positive progress in expanding market share.
  • Robust Financial Performance: Bread Financial generated a net income of $181 million with diluted EPS of $4.15, and revenue grew by 5% year-over-year, primarily due to pricing changes and lower interest expenses, showcasing effective strategies in cost control and revenue growth.
  • Cautious Future Outlook: While management maintains an unchanged outlook for 2026, expecting low single-digit growth in loans and revenue, they express caution regarding macroeconomic uncertainties, particularly concerning potential impacts from fuel prices and trade policies.
NASDAQ.COM
2.0
04-23NASDAQ.COM
Bread Financial (BFH) Q1 2026 Earnings Transcript
seekingalpha
9.5
04-23seekingalpha
Bread Financial Q1 Earnings Exceed Expectations
  • Strong Performance: Bread Financial Holdings reported Q1 GAAP EPS of $4.15, beating expectations by $0.99, with revenue of $1.02 billion reflecting a 5.2% year-over-year increase, surpassing estimates by $23.38 million, indicating robust financial health.
  • Net Income Growth: The net income for the first quarter reached $181 million, an increase of $43 million from the previous year, showcasing the company's success in new partner growth and improved credit sales, thereby reinforcing its market position.
  • Capital Ratio Improvement: The common equity tier 1 (CET1) capital ratio rose by 130 basis points to 13.3%, indicating strong capital management that supports future loan growth and business expansion.
  • Enhanced Shareholder Returns: Book value per common share increased by $14.30, or 22%, while tangible book value per common share rose by $12.66, or 26%, demonstrating the company's commitment to enhancing 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
Evercore ISI
NULL
to
Outperform
maintain
$87 -> $99
AI Analysis
2026-04-29
Reason
Evercore ISI
Price Target
$87 -> $99
AI Analysis
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.
RBC Capital
Sector Perform
maintain
$90 -> $105
2026-04-24
Reason
RBC Capital
Price Target
$90 -> $105
2026-04-24
maintain
Sector Perform
Reason
RBC Capital raised the firm's price target on Bread Financial to $105 from $90 and keeps a Sector Perform rating on the shares after its Q1 earnings. Results were driven by expected seasonality as core fundamentals continue to show improvement on a year-over-year basis, and although there is uncertainty in the macro, the firm is encouraged by the resiliency of the consumer and expects improving loan growth, the analyst tells investors in a research note.
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Valuation Metrics

The current forward P/E ratio for Bread Financial Holdings Inc (BFH.N) is 7.86, compared to its 5-year average forward P/E of 6.97. 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
6.97
Current PE
7.86
Overvalued PE
9.73
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
1.86
Current EV/EBITDA
2.54
Overvalued EV/EBITDA
4.72
Undervalued EV/EBITDA
-0.99

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
0.85
Overvalued PS
0.90
Undervalued PS
0.43

Financials

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Whales Holding BFH

B
Bridgeway Capital Management, LLC
Holding
BFH
+11.57%
3M Return
C
Cambria Investment Management, L.P.
Holding
BFH
+5.84%
3M Return
T
Turtle Creek Asset Management Inc.
Holding
BFH
-3.38%
3M Return
B
Basswood Capital Management, L.L.C.
Holding
BFH
-6.58%
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 85.52 USD — it has decreased -2.08

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 1.07B 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 May 11 2026.

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

Today BFH has the market capitalization of 3.53B USD.