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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
75.210
Open
74.370
VWAP
74.05
Vol
816.65K
Mkt Cap
3.23B
Low
72.060
Amount
60.48M
EV/EBITDA(TTM)
5.03
Total Shares
43.12M
EV
3.85B
EV/OCF(TTM)
1.84
P/S(TTM)
0.83
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)
2026-03-20
09:10:00
Academy Sports Launches myAcademy Rewards Credit Card
select
2026-03-11 (ET)
2026-03-11
07:20:00
Bread Financial Updates Performance: Credit Card Loans at $18.08B
select
2026-03-10 (ET)
2026-03-10
06:10:00
Ford Signs Long-Term Agreement with Bread Financial to Launch Co-Branded Credit Card
select
2026-02-26 (ET)
2026-02-26
07:50:00
Bread Financial Increases Share Repurchase Authorization by $600 Million
select
2026-02-10 (ET)
2026-02-10
07:20:00
End-of-Period Credit Card and Other Loans at $18.39B
select

News

PRnewswire
8.5
03-20PRnewswire
Academy Launches New Loyalty Program and Credit Card
  • Loyalty Program Upgrade: Academy Sports + Outdoors has launched the new myAcademy Rewards Mastercard® credit card, allowing members to earn a 5% discount and unlimited 2% rewards on purchases, aimed at enhancing customer shopping experiences and brand loyalty.
  • Personalized Rewards: The revamped myAcademy Rewards program offers personalized rewards and exclusive savings for every member, ensuring that customers can easily gain value whether shopping online, via the app, or in-store, thereby driving sales growth.
  • Digital Ecosystem Enhancement: Academy has upgraded its entire digital platform, making it easier for members to sign up, track progress, view rewards, and redeem them across various channels, which enhances user experience and increases customer retention.
  • Family-Centric Strategy: This program is specifically designed for the “Always Game Family,” aiming to provide high-value outdoor gear that helps families enjoy fun without exceeding their budgets, thereby strengthening the brand's competitive position in the market.
Newsfilter
8.5
03-20Newsfilter
Academy Launches New Loyalty Program and Credit Card
  • Loyalty Program Upgrade: Academy Sports + Outdoors has launched the new myAcademy Rewards Mastercard® credit card, allowing members to earn a 5% discount and unlimited 2% rewards on purchases, directly deposited into their myAcademy Rewards account, significantly enhancing customer shopping experience and loyalty.
  • Rich Member Benefits: The new program offers a $15 welcome bonus, a $15 birthday reward, and a $25 reward for spending $500 annually, aimed at attracting more family customers, enhancing brand loyalty, and driving sales growth.
  • Digital Ecosystem Enhancement: Academy has upgraded its digital platform, making it easier for members to sign up, track progress, view rewards, and redeem online, thereby improving user experience and increasing customer engagement.
  • Family-Centric Value Proposition: This program is designed for the “Always Game Family,” emphasizing the ability to enjoy outdoor fun without financial strain, reflecting Academy's deep understanding and commitment to customer needs.
CNBC
4.5
03-18CNBC
Federal Reserve's Rate Pause Attracts Short-Duration Asset Investments
  • Attraction of Short-Term Assets: The Federal Reserve's decision to maintain the federal funds rate between 3.5% and 3.75% and the expectation of one rate cut this year keeps yields on short-term Treasuries and high-quality bonds at levels not seen in many years, drawing investor interest towards short-duration assets.
  • Surge in Bond ETF Inflows: Ultra-short bond ETFs have seen $85 billion in inflows over the past 12 months, making them the leading category for new investments among fixed-income ETFs, indicating a strong market appetite for short-term debt instruments.
  • Popularity of Bank Loans: Bank loans, also known as senior loans, have gained traction among retail investors due to their high yields and increased ETF issuance, with the T. Rowe Price Floating Rate ETF offering a 30-day SEC yield of 6.51%, showcasing their appeal.
  • Stable Cash Asset Yields: Although the annual percentage rates for money market funds have fallen below 4%, they still provide relatively stable income, with the Crane 100 list showing an annualized seven-day yield of 3.47%, offering investors a safe income option.
CNBC
6.5
03-18CNBC
Small Cap Stocks Attractive Amid Stagflation Risks
  • Stagflation Risks: The U.S. economy faces stagflation risks, with February's Producer Price Index (PPI) rising 3.4% year-over-year and core PPI at 3.9%, intensifying concerns over low growth and high inflation, which has led to increased market volatility.
  • Increased Market Volatility: The CBOE Volatility Index (VIX) recently reached about 23, indicating rising market uncertainty and heightened investor fear, particularly in the small-cap sector where investors are favoring high-quality stocks with cash returns.
  • Small Cap Screening: Bank of America identified small-cap stocks in the top quintile for both value and quality, focusing on companies that have paid dividends or reduced share counts over the past 12 months to mitigate potential stagflation risks.
  • Stock Performance: Bread Financial is rated a buy, despite being down 12% from its recent high, it has risen 1.5% this month; Progyny is down 37% but up 2% this week, indicating potential opportunities in small-cap stocks amid market uncertainty.
Yahoo Finance
2.0
03-11Yahoo Finance
Financial Stocks Decline Pre-Bell
  • Market Sentiment Dips: Financial stocks were broadly declining pre-bell on Wednesday, reflecting investor concerns about market outlook, which could lead to capital outflows from the financial sector and impact overall market performance.
  • Major Index Volatility: The drop in financial stocks may exert pressure on major indices, especially ahead of economic data releases, as uncertainty regarding future interest rate policies intensifies.
  • Investor Reaction: The pre-bell sell-off in financial stocks may stem from expectations of an economic slowdown, leading to a cautious market sentiment that affects short-term investment decisions.
  • Sector Impact: The decline in the financial sector could affect earnings expectations for related companies, particularly those reliant on rising interest rates, potentially putting further pressure on stock prices.
NASDAQ.COM
7.5
03-10NASDAQ.COM
Ford Partners with Bread Financial for Co-Branded Credit Card Program
  • Partnership Agreement: Ford Motor Company has entered into a long-term agreement with Bread Financial to launch a co-branded credit card and installment loan program, aimed at providing customers with personalized payment, lending, and saving solutions to enhance their financial service experience.
  • Flexible Financing Options: The new financing program offers flexible options designed to increase customer accessibility to subscriptions, parts, and services, while also enhancing customer loyalty through a rewards mechanism, thereby driving sales growth.
  • Enhanced Customer Experience: According to Rick Cunningham, Senior Vice President of Strategy at Bread Financial, this program is designed to bring immediate value and flexibility to Ford customers, creating a more seamless ownership experience that further boosts customer satisfaction.
  • Market Reaction: In pre-market trading on the NYSE, shares of Bread Financial fell by 0.68% to $71.97, reflecting the market's initial response to the new partnership and investor sentiment regarding the collaboration.
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
TD Cowen
Hold
downgrade
$88 -> $80
AI Analysis
2026-03-31
New
Reason
TD Cowen
Price Target
$88 -> $80
AI Analysis
2026-03-31
New
downgrade
Hold
Reason
TD Cowen lowered the firm's price target on Bread Financial to $80 from $88 and keeps a Hold rating on the shares. The firm adjusted price targets in the consumer finance group as part of a Q1 preview. Macro environment uncertainty has increased due to concerns about AI on employment and geopolitics, the analyst tells investors in a research note. TD believes higher gas prices will be a headwind to low-income consumers. Competition has remained elevated in auto lending, adds the firm. Its top picks are Capital One (COF), SLM (SLM) and Affirm (AFRM).
Evercore ISI
John Pancari
In Line -> Outperform
upgrade
$81 -> $90
2026-02-05
Reason
Evercore ISI
John Pancari
Price Target
$81 -> $90
2026-02-05
upgrade
In Line -> Outperform
Reason
Evercore ISI analyst John Pancari upgraded Bread Financial to Outperform from In Line with a price target of $90, up from $81. The firm, which notes that its updated EPS outlook is modestly above the Street, expects Bread's improving earnings trends, inflecting growth, well-managed credit risk, and "solid" capital returns to present upside to the stock's discount valuation, the analyst tells investors.
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Valuation Metrics

The current forward P/E ratio for Bread Financial Holdings Inc (BFH.N) is 7.24, compared to its 5-year average forward P/E of 7.04. 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
7.04
Current PE
7.24
Overvalued PE
9.80
Undervalued PE
4.28

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
1.57
Current EV/EBITDA
6.43
Overvalued EV/EBITDA
4.37
Undervalued EV/EBITDA
-1.24

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
0.67
Current PS
0.77
Overvalued PS
0.92
Undervalued PS
0.42

Financials

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Whales Holding BFH

T
Turtle Creek Asset Management Inc.
Holding
BFH
-0.29%
3M Return
C
Cambria Investment Management, L.P.
Holding
BFH
-1.07%
3M Return
B
Bridgeway Capital Management, LLC
Holding
BFH
-3.91%
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 74.89 USD — it has increased 2.55

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 1.04B USD, increased 1.46

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 1.17 USD, increased 735.71

How many employees does Bread Financial Holdings Inc (BFH). have?

Bread Financial Holdings Inc (BFH) has 6000 emplpoyees as of April 01 2026.

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

Today BFH has the market capitalization of 3.23B USD.