BFH
Bread Financial Holdings Inc
$
58.220
- Overview
- Forecast
- Valuation
- Earnings
Line
|
Candle
1D
5D
1M
3M
6M
YTD
1Y
5Y
High
58.520
Open
58.170
VWAP
58.19
Vol
461.99K
Mkt Cap
2.72B
Low
57.310
Amount
26.88M
EV/EBITDA(TTM)
6.65
Total Shares
49.58M
EV
3.13B
EV/OCF(TTM)
1.69
P/S(TTM)
0.68
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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Market Estimates
Earnings Estimates
Revenue
YoY Chg
EPS
YoYChg
FY2026Q1
FY2025Q4
FY2025Q3
983.53M
+1.39%
2.584
-10.89%
966.39M
+4.36%
0.350
-14.53%
971.58M
-1.16%
2.169
+17.87%
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 -1.2% over the past three months. During the same period, the stock price has changed by 15.36%.
Revenue Estimates for FY2025
Revise Downward
-1.2%
In Past 3 Month
EPS Estimates for FY2025
Revise Upward
+15.73%
In Past 3 Month
Stock Price
Go Up
+15.36%
In Past 3 Month
13 Analyst Rating
1.00% Upside
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 is 58.80 USD with a low forecast of 45.00 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.
4 Buy
6 Hold
3 Sell
Hold
1.00% Upside
Current: 58.220
Low
45.00
Averages
58.80
High
88.00
1.00% Upside
Current: 58.220
Low
45.00
Averages
58.80
High
88.00
RBC Capital
Jon Arfstrom
Sector Perform
downgrade
$76 -> $74
2025-07-25
Reason
RBC Capital
Jon Arfstrom
Price Target
$76 -> $74
2025-07-25
downgrade
Sector Perform
Reason
RBC Capital analyst Jon Arfstrom lowered the firm's price target on Bread Financial to $74 from $76 and keeps a Sector Perform rating on the shares. Bread's Q2 fundamentals were driven by improving core trends which supported a modest reserve release, and the outlook is consistent, and while there was a slight reduction in the near-term revenue outlook, RBC is encouraged by the stable to improving credit and spending trends, the analyst tells investors in a research note.
BTIG
Vincent Caintic
Buy
downgrade
$105 -> $98
2025-07-25
Reason
BTIG
Vincent Caintic
Price Target
$105 -> $98
2025-07-25
downgrade
Buy
Reason
BTIG analyst Vincent Caintic lowered the firm's price target on Bread Financial to $98 from $105 and keeps a Buy rating on the shares. The share decline following updated 2025 guidance is "understandable" as the net charge-off guidance did not improve as much as hoped and management described several moving headwinds to revenue growth particularly in loan yields, the analyst tells investors in a research note.
Seaport Research
Buy
maintain
$64 -> $75
2025-07-25
Reason
Seaport Research
Price Target
$64 -> $75
2025-07-25
maintain
Buy
Reason
Seaport Research raised the firm's price target on Bread Financial to $75 from $64 and keeps a Buy rating on the shares. While the near-term growth outlook is slightly weaker than expected, credit and capital position are "rapidly improving," the analyst tells investors.
BTIG
Vincent Caintic
Neutral -> Buy
upgrade
$105
2025-07-14
Reason
BTIG
Vincent Caintic
Price Target
$105
2025-07-14
upgrade
Neutral -> Buy
Reason
BTIG analyst Vincent Caintic upgraded Bread Financial to Buy from Neutral with a $105 price target.
BTIG
Vincent Caintic
Neutral -> Buy
upgrade
$105
2025-07-14
Reason
BTIG
Vincent Caintic
Price Target
$105
2025-07-14
upgrade
Neutral -> Buy
Reason
BTIG analyst Vincent Caintic upgraded Bread Financial to Buy from Neutral with a $105 price target. The firm has a much more optimistic view of Bread Financial taking share in the point of sale finance space, after having lost growth share in the past few years to fintechs, such as Buy Now Pay Later providers and the alternative/non-prime lenders, the analyst tells investors in a research note. Share growth for Bread will come from both the ability to loosen its already-tight underwriting as credit performance has strengthened, and using the increased pricing implemented in 2024 to garner more share gains by going after a wider net of customers.
RBC Capital
Sector Perform
maintain
$52 -> $65
2025-07-14
Reason
RBC Capital
Price Target
$52 -> $65
2025-07-14
maintain
Sector Perform
Reason
RBC Capital raised the firm's price target on Bread Financial to $65 from $52 and keeps a Sector Perform rating on the shares as part of a broader research note previewing Q2 results for U.S. Consumer Finance names. The firm expects fundamentals to be driven by "healthy though modest" consumer activity, seasonally higher loan balances, and improving credit metrics, the analyst tells investors in a research note. The monthly data continues to show improving year over year delinquencies and charge-off metrics, which alongside healthy qualitative reserves and a less volatile macro should support mostly stable allowance levels, RBC added.
See All Ratings
Valuation Metrics
The current forward P/E ratio for Bread Financial Holdings Inc (BFH.N) is 7.50, compared to its 5-year average forward P/E of 6.68. 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
6.68
Current PE
7.50
Overvalued PE
9.55
Undervalued PE
3.81
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
0.68
Current PS
0.69
Overvalued PS
0.95
Undervalued PS
0.40
Financials
Annual
Quarterly
FY2025Q2
YoY :
-4.76%
1.02B
Total Revenue
FY2025Q2
YoY :
-3.33%
174.00M
Operating Profit
FY2025Q2
YoY :
+4.51%
139.00M
Net Income after Tax
FY2025Q2
YoY :
+10.94%
2.94
EPS - Diluted
FY2025Q2
YoY :
+10.90%
519.00M
Free Cash Flow
FY2025Q2
YoY :
+1.20%
78.45
Gross Profit Margin - %
FY2025Q2
YoY :
-8.84%
43.39
FCF Margin - %
FY2025Q2
YoY :
+9.67%
13.61
Net Margin - %
FY2025Q2
YoY :
-40.86%
3.72
ROIC
Trading Trends
Insider
Insiders are Neutral. There are no significant trading trends over the last month.
Sold
0-3
Months
0.0
USD
0
3-6
Months
0.0
USD
0
6-9
Months
0.0
USD
0
0-12
Months
0.0
USD
0
Bought
0-3
1
63.5K
USD
Months
3-6
0
0.0
USD
Months
6-9
0
0.0
USD
Months
0-12
1
51.0K
USD
Months
Hedge Fund
Hedge Funds are Neutral. There are no significant trading trends over the last quarter.
Sold
0-3
Months
0.0
Volume
0
3-6
Months
0.0
Volume
0
6-9
Months
842.6K
Volume
1
0-12
Months
0.0
Volume
0
Bought
0-3
0
0.0
Volume
Months
3-6
2
269.5K
Volume
Months
6-9
2
267.3K
Volume
Months
0-12
0
0.0
Volume
Months
Congress Trading
Congress are Neutral. There are no significant trading trends over the last month.
Sold
0-3
Months
0.0
USD
0
3-6
Months
0.0
USD
0
6-9
Months
0.0
USD
0
0-12
Months
0.0
USD
0
Bought
0-3
0
0.0
USD
Months
3-6
0
0.0
USD
Months
6-9
0
0.0
USD
Months
0-12
0
0.0
USD
Months
Insider
Insiders are Neutral. There are no significant trading trends over the last month.
Sold
0-3
Months
0.0
USD
0
3-6
Months
0.0
USD
0
6-9
Months
0.0
USD
0
0-12
Months
0.0
USD
0
Bought
0-3
1
63.5K
USD
Months
3-6
0
0.0
USD
Months
6-9
0
0.0
USD
Months
0-12
1
51.0K
USD
Months
BFH News & Events
Events Timeline
2025-08-07 (ET)
2025-08-07
08:19:28
Bread Financial announces early tender results
2025-07-24 (ET)
2025-07-24
07:10:28
Bread Financial reports Q2 adjusted cont-op EPS $3.14, consensus $1.96
2025-07-16 (ET)
2025-07-16
07:34:59
Caesars, Bread Financial introduce Caesars Rewards Prestige Visa
Sign Up For More Events
Sign Up For More Events
News
5.0
08-04NASDAQ.COMThis Stock Has A 1.46% Yield, Sells For Less Than Book, and Insiders Have Been Buying
4.0
07-26SeekingAlphaCard delinquency, net charge-off rates advance: June Credit Pulse
9.5
07-25NASDAQ.COMBread Financial Q2 Earnings Beat, Revenues Miss, Credit Sales Rise
Sign Up For More News
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FAQ
What is Bread Financial Holdings Inc (BFH) stock price today?
The current price of BFH is 58.22 USD — it has increased 0.67 % in the last trading day.
What is Bread Financial Holdings Inc (BFH)'s business?
What is the price predicton of BFH Stock?
What is Bread Financial Holdings Inc (BFH)'s revenue for the last quarter?
What is Bread Financial Holdings Inc (BFH)'s earnings per share (EPS) for the last quarter?
What changes have occurred in the market's expectations for Bread Financial Holdings Inc (BFH)'s fundamentals?
How many employees does Bread Financial Holdings Inc (BFH). have?