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  1. Home
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  3. BFH
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BFH

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    Overview
    Forecast
    Valuation
    Earnings
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VWAP
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Vol
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Mkt Cap
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Low
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Amount
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EV/EBITDA(TTM)
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Total Shares
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EV
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EV/OCF(TTM)
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P/S(TTM)
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Market Estimates

Earnings Estimates
Earnings Estimates
Revenue
YoY Chg
EPS
YoYChg
FY2025Q4
FY2026Q1
FY2026Q2
955.84M
+3.22%
0.277
-32.48%
990.10M
+2.07%
2.775
-4.3%
968.57M
+4.26%
2.695
-14.18%
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 -0.28% over the past three months. During the same period, the stock price has changed by 8.71%.
Revenue Estimates for FY2025
Revise Downward
down Image
-0.28%
In Past 3 Month
EPS Estimates for FY2025
Revise Upward
up Image
+16.96%
In Past 3 Month
Stock Price
Go Up
up Image
+8.71%
In Past 3 Month
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 69.90 USD with a low forecast of 52.00 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.
12 Analyst Rating
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 69.90 USD with a low forecast of 52.00 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.
4 Buy
5 Hold
3 Sell
Hold
Current: 72.000
sliders
Low
52.00
Averages
69.90
High
98.00
Current: 72.000
sliders
Low
52.00
Averages
69.90
High
98.00
TD Cowen
Hold
maintain
$63 -> $68
2025-10-24
Reason
TD Cowen
Price Target
$63 -> $68
2025-10-24
maintain
Hold
Reason
TD Cowen raised the firm's price target on Bread Financial to $68 from $63 and keeps a Hold rating on the shares. The firm said a discrete tax item helped results, but the remainder of the beat was driven by reserve release, better revenue and lower expenses.
Morgan Stanley
Jeffrey Adelson
Underweight
maintain
$53 -> $55
2025-10-24
Reason
Morgan Stanley
Jeffrey Adelson
Price Target
$53 -> $55
2025-10-24
maintain
Underweight
Reason
Morgan Stanley analyst Jeffrey Adelson raised the firm's price target on Bread Financial to $55 from $53 and keeps an Underweight rating on the shares. Though the firm "did walk away encouraged by credit trends" in Q3, it argues that macro and lower-end consumer risks still remain for the more nonprime and retail lender.
RBC Capital
Sector Perform
maintain
$64 -> $70
2025-10-24
Reason
RBC Capital
Price Target
$64 -> $70
2025-10-24
maintain
Sector Perform
Reason
RBC Capital raised the firm's price target on Bread Financial to $70 from $64 and keeps a Sector Perform rating on the shares after its Q3 earnings beat. The company's fundamentals were driven by improving year over year credit trends which supported another modest reserve release, and the firm sees the quarterly results and outlook as stable, the analyst tells investors in a research note.
Barclays
Terry Ma
Underweight
maintain
$50 -> $52
2025-10-24
Reason
Barclays
Terry Ma
Price Target
$50 -> $52
2025-10-24
maintain
Underweight
Reason
Barclays analyst Terry Ma raised the firm's price target on Bread Financial to $52 from $50 and keeps an Underweight rating on the shares. The company's Q3 results were strong as credit continues to come in better, the analyst tells investors in a research note.
Goldman Sachs
Ryan Nash
Sell
maintain
$60 -> $68
2025-10-24
Reason
Goldman Sachs
Ryan Nash
Price Target
$60 -> $68
2025-10-24
maintain
Sell
Reason
Goldman Sachs analyst Ryan Nash raised the firm's price target on Bread Financial to $68 from $60 and keeps a Sell rating on the shares. The company reported solid Q3 results and its loan growth should improve, the analyst tells investors in a research note.
JPMorgan
Neutral
maintain
$70 -> $72
2025-10-24
Reason
JPMorgan
Price Target
$70 -> $72
2025-10-24
maintain
Neutral
Reason
JPMorgan raised the firm's price target on Bread Financial to $72 from $70 and keeps a Neutral rating on the shares.
See All Ratings

Valuation Metrics

The current forward P/E ratio for Bread Financial Holdings Inc (BFH.N) is 8.21, compared to its 5-year average forward P/E of 6.90. For a more detailed relative valuation and DCF analysis to assess Bread Financial Holdings Inc 's fair value, click here.
  • Forward PE
  • Forward EV/EBITDA
  • Forward PS

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
Fair
5Y Average PE
6.90
Current PE
8.21
Overvalued PE
9.68
Undervalued PE
4.12

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
N/A
5Y Average PS
0.69
Current PS
0.00
Overvalued PS
0.96
Undervalued PS
0.42
Financial AI Agent
Financial AI Agent

Financials

Annual
Quarterly
N/A
Total Revenue
N/A
Operating Profit
N/A
Net Income after Tax
N/A
EPS - Diluted
N/A
Free Cash Flow
N/A
Gross Profit Margin - %
N/A
FCF Margin - %
N/A
Net Margin - %
N/A
ROIC

Trading Trends

  • Insider
  • Hedge Fund
  • Congress Trading
Insider
Insiders are Neutral. There are no significant trading trends over the last month.
Sold
Bought
Hedge Fund
Hedge Funds are Neutral. There are no significant trading trends over the last quarter.
Sold
Bought
Congress Trading
Congress are Neutral. There are no significant trading trends over the last month.
Sold
Bought
Insider
Insiders are Neutral. There are no significant trading trends over the last month.
Sold
Bought
AI Stock Picker
AI Stock Picker

BFH News & Events

Events Timeline

(ET)
2025-11-13
07:41:00
Bread Financial Reports October Net Loss Rate of 7.5%, Down from 7.9% Last Year
select
2025-10-28 (ET)
2025-10-28
08:26:18
Bread Financial reveals private placement of senior notes
select
2025-10-23 (ET)
2025-10-23
07:22:35
Bread Financial announces Q3 adjusted EPS of $4.02, surpassing consensus of $2.11
select
Sign Up For More Events
Sign Up For More Events

News

[object Object]
Preview
3.0
11-29NASDAQ.COM
BFH vs. AXP: Which Stock Offers Better Value?

  • Comparison of Bread Financial Holdings and American Express: Bread Financial Holdings (BFH) has a stronger Zacks Rank (#2) compared to American Express (AXP) (#3), indicating a more favorable earnings estimate revision outlook for BFH, making it more attractive to value investors.

  • Valuation Metrics: BFH exhibits significantly lower valuation ratios, with a forward P/E of 6.65 and a PEG ratio of 0.43, compared to AXP's forward P/E of 23.59 and PEG ratio of 1.64, suggesting that BFH is undervalued relative to AXP.

  • Value Grades: BFH holds a Value grade of A, while AXP has a Value grade of C, further supporting the notion that BFH is the better option for value investors at this time.

  • Emerging Quantum Computing Sector: The article highlights the rapid advancement of quantum computing technology, with major companies like Microsoft and Google investing heavily, and suggests that investors should consider stocks poised to benefit from this technological revolution.

[object Object]
Preview
4.5
11-22SeekingAlpha
BMNR and QFIN Decline While Regional Banks Gain in a Turbulent Week: Financial Summary

  • Financial Market Trends: Financial stocks experienced a decline alongside the broader equity market, with significant losses reported by crypto-related firms and regional lenders showing gains.

  • Crypto Firm Performance: Bitmine Immersion Technologies saw a 24% drop, while Qfin Holdings fell 19% due to a larger-than-expected Q3 loss; other notable declines included MARA Holdings (16%), Coinbase Global (15%), and Figure Technology Solutions (14%).

  • Regional Lender Gains: BankUnited led the financial sector with an 8.8% increase, followed by Central Bancompany and Bread Financial Holdings, both rising 4.5%, and Banc of California with a 4% gain.

  • Market Developments: The week also featured news on Ally Financial's credit improvements, a focus on preferred stocks for high-yield income, and updates on Merck's FDA approval for cancer treatment.

[object Object]
Preview
8.0
11-22Yahoo Finance
BofA Warns That Surge in Sports Betting is Leading to Increased Credit Risks for Lenders

  • Growth of Mobile Sports Betting: The rapid expansion of mobile sports betting and prediction markets is leading to increased credit risks for financial institutions.

  • Impact on Financial Institutions: As these markets grow, they present new challenges and potential risks that could affect the stability of credit systems.

Sign Up For More News

People Also Watch

FAQ

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What is Bread Financial Holdings Inc (BFH) stock price today?

The current price of BFH is 72 USD — it has increased 1.07 % in the last trading day.

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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.

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What is the price predicton of BFH Stock?

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 69.90 USD with a low forecast of 52.00 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.

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What is Bread Financial Holdings Inc (BFH)'s revenue for the last quarter?

Bread Financial Holdings Inc revenue for the last quarter amounts to 1.05B USD, decreased -5.32 % YoY.

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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 3.96 USD, increased 9800.00 % YoY.

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What changes have occurred in the market's expectations for Bread Financial Holdings Inc (BFH)'s fundamentals?

The market is revising Downward the revenue expectations for Bread Financial Holdings, Inc. (BFH) for FY2025, with the revenue forecasts being adjusted by -0.28% over the past three months. During the same period, the stock price has changed by 8.71%.
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How many employees does Bread Financial Holdings Inc (BFH). have?

Bread Financial Holdings Inc (BFH) has 6000 emplpoyees as of December 05 2025.

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

Today BFH has the market capitalization of 3.28B USD.

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