Bread Financial Holdings (BFH) Stock Overview
Provides tech-forward payment and lending solutions to customers and consumer-based industries in North America. More details
| Snowflake Score | |
|---|---|
| Valuation | 5/6 |
| Future Growth | 0/6 |
| Past Performance | 4/6 |
| Financial Health | 5/6 |
| Dividends | 2/6 |
Rewards
Risk Analysis
BFH Community Fair Values
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Analyst Price Targets
Top Community Narratives
RO
Community Contributor
Highly profitable bank. Overvaluated / Hold.
Bread Financial Holdings Inc. (NYSE BFH) is a highly profitable bank focused on growing its portfolio of receivables, partners and customers.
View narrativeUS$50
FV
75.4% overvalued intrinsic discount6.54%
Revenue growth p.a.
11
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Bread Financial Holdings, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$87.69 |
| 52 Week High | US$99.13 |
| 52 Week Low | US$49.17 |
| Beta | 1.15 |
| 1 Month Change | -4.43% |
| 3 Month Change | 16.90% |
| 1 Year Change | 70.97% |
| 3 Year Change | 197.05% |
| 5 Year Change | -25.19% |
| Change since IPO | 526.36% |
Recent News & Updates
Narrative Update • May 19
BFH: Future Credit Normalization Will Test Optimism Around Larger Share Repurchases
Analysts have lifted the Bread Financial Holdings price target by about $3.63 to $70.63, citing adjusted fair value estimates and updated assumptions around the discount rate, profit margin, and future P/E as key drivers of the change. Analyst Commentary Street research on Bread Financial Holdings in recent months has included a mix of higher price targets and more cautious resets, giving you a split picture of how professionals view the stock.Seeking Alpha • May 12
BRFNL: An 8.875% Fixed/Reset Rate Preferred IPO From Bread Financial
Summary Bread Financial Holdings issued the 8.875% Fixed-Reset Rate Non-Cumulative Preferred Stock Series B (BFH-B), now trading OTC as BRFNL. BFH-B offers a reset feature tied to five-year Treasuries, making it more attractive than BFH-A in a rising rate environment. But it remains highly speculative. Equity and dividend coverage have decreased post-issuance. I rate BFH-B a 'Hold' due to elevated company credit spreads, increased risk, and an unfavorable fixed-income environment; I prefer to wait for better opportunities. Read the full article on Seeking Alpha
Narrative Update • May 05
BFH: Capital Returns And New Auto Partnership Will Support Future Upside
Bread Financial Holdings' updated analyst price target rises from $85.53 to $95.67, with analysts citing recent target changes and rating shifts across several firms as support for revisiting upside and risk assumptions. Analyst Commentary Recent Street research on Bread Financial Holdings reflects a mix of optimism and caution as analysts reassess their price targets and ratings.Recent updates
Narrative Update • May 19
BFH: Future Credit Normalization Will Test Optimism Around Larger Share Repurchases
Analysts have lifted the Bread Financial Holdings price target by about $3.63 to $70.63, citing adjusted fair value estimates and updated assumptions around the discount rate, profit margin, and future P/E as key drivers of the change. Analyst Commentary Street research on Bread Financial Holdings in recent months has included a mix of higher price targets and more cautious resets, giving you a split picture of how professionals view the stock.Seeking Alpha • May 12
BRFNL: An 8.875% Fixed/Reset Rate Preferred IPO From Bread Financial
Summary Bread Financial Holdings issued the 8.875% Fixed-Reset Rate Non-Cumulative Preferred Stock Series B (BFH-B), now trading OTC as BRFNL. BFH-B offers a reset feature tied to five-year Treasuries, making it more attractive than BFH-A in a rising rate environment. But it remains highly speculative. Equity and dividend coverage have decreased post-issuance. I rate BFH-B a 'Hold' due to elevated company credit spreads, increased risk, and an unfavorable fixed-income environment; I prefer to wait for better opportunities. Read the full article on Seeking AlphaNarrative Update • May 05
BFH: Capital Returns And New Auto Partnership Will Support Future Upside
Bread Financial Holdings' updated analyst price target rises from $85.53 to $95.67, with analysts citing recent target changes and rating shifts across several firms as support for revisiting upside and risk assumptions. Analyst Commentary Recent Street research on Bread Financial Holdings reflects a mix of optimism and caution as analysts reassess their price targets and ratings.Narrative Update • Apr 21
BFH: Credit And Capital Actions Will Support Balanced Risk Reward Outlook
The analyst price target for Bread Financial Holdings has been raised by about $2, as analysts factor in updated assumptions for fair value, discount rate, revenue growth, profit margin, and future P/E following a series of recent target changes across major firms. Analyst Commentary Recent Street research on Bread Financial Holdings shows a mix of price target increases and reductions in quick succession, reflecting active debate around valuation, execution, and growth durability.Narrative Update • Apr 07
BFH: Future Credit Normalization Will Challenge Optimism Around Expanded Share Repurchases
The updated analyst price target for Bread Financial moves to $67, reflecting modestly higher revenue growth and a slightly lower discount rate, even as recent Street research shows mixed target changes across firms. Analyst Commentary Recent Street research on Bread Financial highlights a mix of higher and lower price targets, with some firms adjusting their views multiple times over the past few months.Narrative Update • Mar 23
BFH: Credit Improvements And Capital Returns Will Support Measured Upside Potential
Narrative Update The analyst price target for Bread Financial Holdings has been adjusted slightly higher to about $83.53 from roughly $83.13, as analysts factor in updated views on revenue growth, profit margins, discount rates, and future P/E multiples following a series of recent upgrades and target increases across the Street. Analyst Commentary Recent research on Bread Financial Holdings has featured a cluster of target increases and rating changes, giving you a clearer picture of how the Street is weighing upside potential against execution and credit risk.Narrative Update • Mar 09
BFH: Future Credit Normalization May Overturn Optimism From Expanded Share Repurchases
Analysts have raised their price targets for Bread Financial by a few dollars into the low to mid $80s, citing expectations for steadier credit trends, resilient consumer fundamentals, and incremental loan growth across the specialty finance group. Analyst Commentary Recent Street research on Bread Financial reflects a mix of optimism around credit normalization and capital returns, alongside a clear thread of caution on execution, growth durability, and where the stock is trading relative to perceived risks.Narrative Update • Feb 23
BFH: Future Credit Trends May Undermine Recent Share Repurchase Support
The analyst fair value estimate for Bread Financial has been updated from $51.00 to $64.00. Analysts attribute this change to recent price target increases, an improved profit margin outlook, and expectations for steadier credit trends in consumer finance as key drivers of the shift.Narrative Update • Feb 09
BFH: Credit And Capital Improvements Set Stage For Measured Future Upside
Analysts have modestly lifted their fair value estimate for Bread Financial Holdings from about $80 to about $83, citing updated sector outlooks, recent price target increases across multiple firms, and expectations for stable fundamentals alongside improving credit metrics. Analyst Commentary Recent Street research on Bread Financial Holdings shows a mix of optimism around credit trends and capital structure, balanced by ongoing caution on the business model and sector risks.Narrative Update • Jan 25
BFH: Credit Execution And Capital Returns Will Drive Future Upside Potential
Analysts have nudged their price expectations for Bread Financial higher, with the fair value estimate moving from about US$78.87 to roughly US$80.07, citing recent target increases across the Street that reflect steady views on credit quality, loan growth, and the broader specialty finance outlook. Analyst Commentary Recent research on Bread Financial points to a mix of optimism and caution, with price targets generally reset higher but ratings spread across the spectrum from Underweight to Neutral and Hold.Narrative Update • Jan 11
BFH: Credit And Capital Actions Will Support Balanced But Cautious Outlook
Analysts have raised their implied fair value estimate for Bread Financial to about $78.87 from $71.14, reflecting higher published price targets across the Street as they factor in sector level adjustments in specialty finance, a slightly higher assumed future P/E multiple near 10.8x, and modest tweaks to discount rate, revenue growth, and profit margin inputs. Analyst Commentary Recent research updates around Bread Financial point to a mixed but generally constructive reset of expectations, with multiple firms revising price targets and reassessing risk and reward across the specialty finance space.Narrative Update • Dec 15
BFH: Credit Improvements Will Support Resilient Earnings Amid Persistent Consumer And Macro Risks
Analysts have nudged their average price target for Bread Financial Holdings higher to approximately $71.14 from about $70.20, citing improving credit trends, modest reserve releases, and a more stable outlook that support slightly stronger profitability and valuation assumptions. Analyst Commentary Analyst reactions following the latest quarterly results point to a more balanced but still risk aware stance on Bread Financial, with incremental optimism on credit quality offset by persistent concerns around the more vulnerable ends of its customer base.Narrative Update • Nov 28
BFH: Future Credit Performance Will Remain Resilient Amid Consumer and Macro Risks
The analyst price target for Bread Financial Holdings has increased, with estimates rising from $64 to $70 per share. Analysts cite improving credit trends and stable quarterly performance as key reasons for their updated outlook.Narrative Update • Nov 13
BFH: Improving Credit Trends Will Drive Further Stability In 2024
Bread Financial Holdings received an updated analyst price target, rising by $6 to $70. Analysts cite stable outlooks and improving credit trends following the company’s recent earnings results.Narrative Update • Oct 30
BFH: Improving Credit Trends And Dividend Hike Will Drive Shareholder Value
Bread Financial Holdings has seen its analyst price target increase from $67.33 to $70.20. Analysts point to improved credit trends and a stable earnings outlook as supporting factors for the upward revision.Narrative Update • Oct 13
Technology Modernization And Digital Expansion Will Secure Future Resilience
Bread Financial Holdings' analyst price target has been revised downward from approximately $69.40 to $67.33. This reflects analysts' cautious view on slightly weaker near-term growth, balanced by improving credit and capital positions in the sector.Analysis Article • Aug 04
Bread Financial Holdings (NYSE:BFH) Has Announced A Dividend Of $0.21
Bread Financial Holdings, Inc. ( NYSE:BFH ) will pay a dividend of $0.21 on the 12th of September. This means the...Analysis Article • Apr 27
Bread Financial Holdings (NYSE:BFH) Has Announced A Dividend Of $0.21
The board of Bread Financial Holdings, Inc. ( NYSE:BFH ) has announced that it will pay a dividend on the 13th of June...Analysis Article • Feb 02
Bread Financial Holdings' (NYSE:BFH) Dividend Will Be $0.21
The board of Bread Financial Holdings, Inc. ( NYSE:BFH ) has announced that it will pay a dividend of $0.21 per share...Seeking Alpha • Nov 11
Bread Financial Holdings: TBV Has Nearly Tripled, Trading At Nearly 57% Discount To Peers
Summary Bread Financial Holdings, formerly Alliance Data Systems, partners with retailers to offer credit cards and buy now/pay later products, focusing on small-to-medium businesses for growth. Despite near-term headwinds, Bread targets mid-to-high single-digit loan growth and ROTCE in the mid-to-high 20% range, with a strong capital position. Management has significantly reduced debt, increased CET1 ratio, and grown DTC deposits, aiming for 50% of total funding to lower capital costs. Future capital allocation focuses on debt management, core business investment, and potential shareholder returns through buybacks or dividends, currently yielding ~1.7%. Read the full article on Seeking AlphaAnalysis Article • Oct 27
Bread Financial Holdings (NYSE:BFH) Has Announced A Dividend Of $0.21
The board of Bread Financial Holdings, Inc. ( NYSE:BFH ) has announced that it will pay a dividend of $0.21 per share...
New Narrative • Sep 24
CFPB Regulations And Economic Pressures Darken Revenue Prospects For Company Financial
Regulatory challenges and economic pressures are leading to changes in pricing, fee structures, and credit policies, potentially reducing consumer borrowing and spending.Seeking Alpha • Aug 22
Bread Financial: Still Bullish Via Put Option Sales
Summary Bread Financial, a consumer lender, saw a 30% rally in shares since May. Second quarter results showed a decline in net interest income due to weak loan demand, but the company has a strong cash balance. Instead of buying shares, consider selling cash secured puts with a $50 strike price to earn income and potentially buy shares at a lower price. Read the full article on Seeking AlphaAnalysis Article • Jul 28
Bread Financial Holdings (NYSE:BFH) Has Affirmed Its Dividend Of $0.21
Bread Financial Holdings, Inc. ( NYSE:BFH ) will pay a dividend of $0.21 on the 13th of September. Including this...Seeking Alpha • May 28
Bread Financial: Upside Potential Beyond 52 Week High
Summary Bread Financial specializes in consumer loans and has experienced a strong appreciation in share price. The bank's first-quarter earnings performance showed a decline in net interest income but the lender managed to control expenses. Despite potential risks such as delinquencies and losses, analysts project Bread Financial's earnings to rise in the future. Read the full article on Seeking AlphaSeeking Alpha • Feb 14
Consumer Spending Remains Strong, Sticking With Bread Financial
Summary Excess savings from the pandemic are decreasing, but positive real wages and low unemployment are supporting robust domestic spending. Holiday shopping trends were strong, with significant growth in buy now, pay later activity. Bread Financial, a financial services company, has a high earnings growth potential and attractive valuation, with shares trading at a low multiple. I outline key price levels to watch on this rebounding, high-risk, stock. Read the full article on Seeking AlphaAnalysis Article • Jan 28
Bread Financial Holdings (NYSE:BFH) Is Paying Out A Dividend Of $0.21
Bread Financial Holdings, Inc.'s ( NYSE:BFH ) investors are due to receive a payment of $0.21 per share on 15th of...Analysis Article • Dec 22
There's No Escaping Bread Financial Holdings, Inc.'s (NYSE:BFH) Muted Earnings Despite A 28% Share Price Rise
Bread Financial Holdings, Inc. ( NYSE:BFH ) shareholders are no doubt pleased to see that the share price has bounced...Seeking Alpha • Nov 21
Bread Financial: Dirt Cheap With Some Caveats
Summary Today, we circle back on Bread Financial Holdings, Inc. for the first time since this spring. The stock is dirt cheap based on P/E and book value. However, delinquency and net loss rates are rising due to the flagging health of the American consumer. The company reported Q3 results in late October. An updated analysis follows in the paragraphs below. Read the full article on Seeking AlphaAnalysis Article • Oct 29
Bread Financial Holdings' (NYSE:BFH) Dividend Will Be $0.21
Bread Financial Holdings, Inc. ( NYSE:BFH ) will pay a dividend of $0.21 on the 15th of December. Based on this...Analysis Article • Sep 27
Here's Why We Think Bread Financial Holdings (NYSE:BFH) Is Well Worth Watching
The excitement of investing in a company that can reverse its fortunes is a big draw for some speculators, so even...Seeking Alpha • Sep 08
Bread Financial: A Spooky Macro, But A Continued Strong Valuation With A Better Chart
Summary Credit card use is increasing as interest rates rise and excess savings are depleted among low-income groups. Risky buy-now, pay-later firms are facing challenges. Bread Financial is being upgraded from a hold to a buy based on its modest valuation and improved technical situation. With a single-digit P/E and robust growth trajectory, I outline key price levels on the chart to monitor ahead of earnings and 2 conference events. Read the full article on Seeking AlphaAnalysis Article • Jul 30
Bread Financial Holdings (NYSE:BFH) Will Pay A Dividend Of $0.21
Bread Financial Holdings, Inc. ( NYSE:BFH ) has announced that it will pay a dividend of $0.21 per share on the 15th of...Shareholder Returns
| BFH | US Consumer Finance | US Market | |
|---|---|---|---|
| 7D | 5.2% | 1.3% | -0.3% |
| 1Y | 71.0% | 7.0% | 26.7% |
Return vs Industry: BFH exceeded the US Consumer Finance industry which returned 1.7% over the past year.
Return vs Market: BFH exceeded the US Market which returned 23.3% over the past year.
Price Volatility
| BFH volatility | |
|---|---|
| BFH Average Weekly Movement | 6.8% |
| Consumer Finance Industry Average Movement | 6.7% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.2% |
| 10% least volatile stocks in US Market | 3.2% |
Stable Share Price: BFH has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: BFH's weekly volatility (7%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1995 | 6,000 | Ralph Andretta | www.breadfinancial.com |
Bread Financial Holdings, Inc. provides tech-forward payment and lending solutions to customers and consumer-based industries in North America. It offers credit card and other loans financing services, including risk management solutions, underwriting, and funding services for private label and co-brand credit card programs, as well as through Bread Pay partnerships. The company also manages and services the loans it originates for private label, co-brand, and general-purpose credit card programs, and installment loans and split-pay products; and provides marketing, and data and analytics services.
Bread Financial Holdings, Inc. Fundamentals Summary
| BFH fundamental statistics | |
|---|---|
| Market cap | US$3.43b |
| Earnings (TTM) | US$558.00m |
| Revenue (TTM) | US$2.64b |
6.3x
P/E Ratio1.3x
P/S RatioIs BFH overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| BFH income statement (TTM) | |
|---|---|
| Revenue | US$2.64b |
| Cost of Revenue | US$0 |
| Gross Profit | US$2.64b |
| Other Expenses | US$2.09b |
| Earnings | US$558.00m |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
n/a
| Earnings per share (EPS) | 13.81 |
| Gross Margin | 100.00% |
| Net Profit Margin | 21.10% |
| Debt/Equity Ratio | 116.6% |
How did BFH perform over the long term?
See historical performance and comparisonDividends
1.0%
Current Dividend Yield7%
Payout RatioDoes BFH pay a reliable dividends?
See BFH dividend history and benchmarks| Bread Financial Holdings dividend dates | |
|---|---|
| Ex Dividend Date | May 29 2026 |
| Dividend Pay Date | Jun 15 2026 |
| Days until Ex dividend | 7 days |
| Days until Dividend pay date | 24 days |
Does BFH pay a reliable dividends?
See BFH dividend history and benchmarksCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/05/20 12:55 |
| End of Day Share Price | 2026/05/20 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Bread Financial Holdings, Inc. is covered by 43 analysts. 13 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Jeffrey Meuler | Baird |
| Terry Ma | Barclays |
| Darrin Peller | Barclays |