Bread Financial Hldgs Inc (BFH)

$75.73 +0.72 (0.96%)
Market Cap 3.23B
Revenue (ttm) 4.70B
Net Income (ttm) 518.00M
EPS (ttm) N/A
PE Ratio 6.16
Forward PE 7.99
Profit Margin 11.03%
Debt to Equity Ratio 5.48
Volume 512,200
Avg Vol 904,886
Day's Range N/A - N/A
Shares Out 43.12M
Stochastic %K 54%
Beta 1.26
Analysts Sell
Price Target $83.43

Company Profile

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, account origination, and funding services for private label and co-brand credit card programs, as well as through Bread partnerships; and Comenity-branded general purpose cash-back credit. The company also manages and services the loans it originates for privat...

Industry: Credit Services
Sector: Financial Services
Phone: (614) 729-4000
Address:
3095 Loyalty Circle, Columbus, United States
d_risk
d_risk Feb. 16 at 12:33 AM
$BFH - Bread Financial Holdings Inc - 10K - Updated Risk Factors BFH’s 2026 10-K overhauls risk disclosures: trims macro, model, funding and concentration risks while sharply expanding detail on liquidity, debt, legal and regulatory scrutiny (rate caps, privacy, BHC status), cybersecurity and AI threats, tech transformation missteps, stock and preferred equity risks, and dependence on bank subs and a pending bank merger. #FinancialServices #RegulatoryRisk #CybersecurityThreats #LiquidityRisk #BankMerger 🟢 Added 🟠 Removed https://d-risk.ai/BFH/10-K/2026-02-13
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Estimize
Estimize Feb. 9 at 5:09 PM
Wall St is expecting 2.97 EPS for $BFH Q1 [Reporting 04/23 BMO] http://www.estimize.com/intro/bfh?chart=historical&metric_name=eps&utm_cont
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AStrokeOfLuck
AStrokeOfLuck Feb. 5 at 5:29 PM
$BFH
0 · Reply
MaverickMarket
MaverickMarket Feb. 4 at 9:23 AM
$BFH regional bank, commercial loan growth
0 · Reply
BillionerOfKing
BillionerOfKing Feb. 3 at 11:08 PM
$BFH Current Stock Price: $75.41 Contracts to trade: $75.0 BFH Feb 20 2026 Call Entry: $2.20 Exit: $2.99 ROI: 36% Hold ~20 days Shared as daily free alerts and for educational purposes only. https://dailypickai.com/freealerts
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Estimize
Estimize Feb. 2 at 5:01 PM
Wall St is expecting 2.88 EPS for $BFH Q1 [Reporting 04/23 BMO] http://www.estimize.com/intro/bfh?chart=historical&metric_name=eps&utm_cont
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ZacksResearch
ZacksResearch Feb. 2 at 2:54 PM
$BFH smashed Q4 expectations, outperforming the Zacks Consensus Estimate by 417.5%! 🚀 The earnings surge came on the back of pricing changes and solid revenue growth, up 5.3% from the prior-year level, beating estimates by 3.62%. 📈 Discover the full story behind BFH’s strong performance 👉 https://www.zacks.com/stock/news/2827000/bread-financial-q4-earnings-and-revenues-top-estimates-rise-yy?cid=sm-stocktwits-2-2827000-body-31400&ADID=SYND_STOCKTWITS_TWEET_2_2827000_BODY_31400
0 · Reply
ZacksResearch
ZacksResearch Feb. 2 at 1:54 PM
$BFH just blew the doors off Q4 — is this turnaround for real? 🚀💳 BFH crushed Q4 expectations as pricing gains and lower losses drove a 406% earnings surge, revenue growth, margin expansion, and a higher dividend — that’s a powerful combo showing real operating leverage. See the full earnings breakdown here 👉 https://www.zacks.com/stock/news/2827000/bread-financial-q4-earnings-and-revenues-top-estimates-rise-yy?cid=sm-stocktwits-2-2827000-teaser-31397&ADID=SYND_STOCKTWITS_TWEET_2_2827000_TEASER_31397
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Estimize
Estimize Jan. 29 at 11:22 PM
$BFH reported 2.07 EPS and 975.00 revenue for Q4. http://www.estimize.com/intro/bfh?chart=historical&metric_name=eps&utm_content=BFH&utm_me
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StocktwitsEarnings
StocktwitsEarnings Jan. 29 at 11:56 AM
$BFH Q4 '25 Earnings Results & Recap • Reported GAAP EPS of $1.19 up 750.00% YoY • Reported revenue of $975M up 5.41% YoY • Bread Financial anticipates 2026 total revenue and average credit card and other loans growth to be up low single digits from full year 2025. The company expects a 2026 net loss rate in the range of 7.2% to 7.4%.
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Latest News on BFH
Bread Financial Holdings, Inc. (BFH) Presents at UBS Financial Services Conference 2026 Transcript

Feb 11, 2026, 3:34 PM EST - 9 days ago

Bread Financial Holdings, Inc. (BFH) Presents at UBS Financial Services Conference 2026 Transcript

Bread Financial Holdings, Inc. (BFH) Presents at Bank of America Financial Services Conference 2026 Transcript

Feb 10, 2026, 6:34 PM EST - 10 days ago

Bread Financial Holdings, Inc. (BFH) Presents at Bank of America Financial Services Conference 2026 Transcript

Bread Financial Provides Performance Update for January 2026

Feb 10, 2026, 7:00 AM EST - 11 days ago

Bread Financial Provides Performance Update for January 2026

Bread Financial to Participate in the UBS Financial Services Conference

Feb 4, 2026, 7:30 AM EST - 17 days ago

Bread Financial to Participate in the UBS Financial Services Conference

Bread Financial to Participate in the Bank of America 2026 Financial Services Conference

Feb 3, 2026, 7:30 AM EST - 18 days ago

Bread Financial to Participate in the Bank of America 2026 Financial Services Conference

Bread Financial Analysts Increase Their Forecasts Following Q4 Results

Jan 30, 2026, 12:03 PM EST - 22 days ago

Bread Financial Analysts Increase Their Forecasts Following Q4 Results

Bread Financial Holdings, Inc. (BFH) Q4 2025 Earnings Call Transcript

Jan 29, 2026, 2:02 PM EST - 22 days ago

Bread Financial Holdings, Inc. (BFH) Q4 2025 Earnings Call Transcript

Bread Financial Provides Performance Update for December 2025

Jan 29, 2026, 6:55 AM EST - 23 days ago

Bread Financial Provides Performance Update for December 2025

Bread Financial Reports Fourth Quarter and Full Year 2025 Results

Jan 29, 2026, 6:50 AM EST - 23 days ago

Bread Financial Reports Fourth Quarter and Full Year 2025 Results

Bread Financial Declares Dividends on Preferred and Common Stock

Jan 29, 2026, 6:45 AM EST - 23 days ago

Bread Financial Declares Dividends on Preferred and Common Stock

Bread Financial Schedules Fourth Quarter and Full Year 2025 Earnings Conference Call for Jan. 29

Jan 6, 2026, 7:30 AM EST - 6 weeks ago

Bread Financial Schedules Fourth Quarter and Full Year 2025 Earnings Conference Call for Jan. 29

BFH.PR.A: An 8.625% Preferred Stock IPO From Bread Financial Holdings

Dec 24, 2025, 4:21 AM EST - 2 months ago

BFH.PR.A: An 8.625% Preferred Stock IPO From Bread Financial Holdings

Bread Financial Holdings, Inc. (BFH) Presents at Goldman Sachs 2025 U.S. Financial Services Conference Transcript

Dec 10, 2025, 6:02 PM EST - 2 months ago

Bread Financial Holdings, Inc. (BFH) Presents at Goldman Sachs 2025 U.S. Financial Services Conference Transcript

Bread Financial Provides Performance Update for November 2025

Dec 10, 2025, 7:30 AM EST - 2 months ago

Bread Financial Provides Performance Update for November 2025

Bread Financial to Participate in the Goldman Sachs 2025 Financial Services Conference

Dec 3, 2025, 7:30 AM EST - 2 months ago

Bread Financial to Participate in the Goldman Sachs 2025 Financial Services Conference

Bread Financial Announces Pricing of an Offering of Depositary Shares Representing Interests in Its Series A Preferred Stock

Nov 20, 2025, 8:33 PM EST - 3 months ago

Bread Financial Announces Pricing of an Offering of Depositary Shares Representing Interests in Its Series A Preferred Stock

Bread Financial Announces Launch of an Offering of Depositary Shares Representing Interests in Its Series A Preferred Stock

Nov 20, 2025, 9:09 AM EST - 3 months ago

Bread Financial Announces Launch of an Offering of Depositary Shares Representing Interests in Its Series A Preferred Stock

Bread Financial Provides Performance Update for October 2025

Nov 13, 2025, 7:30 AM EST - 3 months ago

Bread Financial Provides Performance Update for October 2025

Bread Financial to Participate in the KBW Fintech Payments Conference

Nov 6, 2025, 7:30 AM EST - 3 months ago

Bread Financial to Participate in the KBW Fintech Payments Conference

Bread Financial Announces Pricing of Private Offering of $500 Million of Senior Notes

Oct 28, 2025, 6:27 PM EDT - 4 months ago

Bread Financial Announces Pricing of Private Offering of $500 Million of Senior Notes

Bread Financial Announces Private Offering of Senior Notes

Oct 28, 2025, 8:02 AM EDT - 4 months ago

Bread Financial Announces Private Offering of Senior Notes

Bread Financial Holdings, Inc. (BFH) Q3 2025 Earnings Call Transcript

Oct 23, 2025, 3:17 PM EDT - 4 months ago

Bread Financial Holdings, Inc. (BFH) Q3 2025 Earnings Call Transcript

Bread Financial Provides Performance Update for September 2025

Oct 23, 2025, 6:55 AM EDT - 4 months ago

Bread Financial Provides Performance Update for September 2025

Raymour & Flanigan and Bread Financial Sign Long-Term Agreement to Launch New Financing Program

Oct 23, 2025, 6:50 AM EDT - 4 months ago

Raymour & Flanigan and Bread Financial Sign Long-Term Agreement to Launch New Financing Program

Bread Financial Reports Third Quarter 2025 Results

Oct 23, 2025, 6:45 AM EDT - 4 months ago

Bread Financial Reports Third Quarter 2025 Results

Bread Financial Announces Increased Dividend on Common Stock and $200 Million Increase in Share Repurchase Authority

Oct 23, 2025, 6:40 AM EDT - 4 months ago

Bread Financial Announces Increased Dividend on Common Stock and $200 Million Increase in Share Repurchase Authority

Bread Financial Schedules Third Quarter 2025 Earnings Conference Call for Oct. 23

Oct 7, 2025, 7:30 AM EDT - 4 months ago

Bread Financial Schedules Third Quarter 2025 Earnings Conference Call for Oct. 23

Bread Financial: An Opportunity To Buy The Dip

Oct 6, 2025, 9:53 AM EDT - 4 months ago

Bread Financial: An Opportunity To Buy The Dip

Bread Financial Holdings, Inc. (BFH) Presents At Barclays 23rd Annual Global Financial Services Conference Transcript

Sep 9, 2025, 1:31 PM EDT - 5 months ago

Bread Financial Holdings, Inc. (BFH) Presents At Barclays 23rd Annual Global Financial Services Conference Transcript

Bread Financial Provides Performance Update for August 2025

Sep 9, 2025, 7:00 AM EDT - 5 months ago

Bread Financial Provides Performance Update for August 2025

Bread Financial to Participate in the Barclays 23rd Annual Global Financial Services Conference

Sep 2, 2025, 7:30 AM EDT - 6 months ago

Bread Financial to Participate in the Barclays 23rd Annual Global Financial Services Conference

Bread Financial Announces Approval of $200 Million Share Repurchase Program

Aug 27, 2025, 7:30 AM EDT - 6 months ago

Bread Financial Announces Approval of $200 Million Share Repurchase Program

Lynch Carpenter Investigates The Ohio Medical Alliance Data Breach Claims

Aug 22, 2025, 3:31 PM EDT - 6 months ago

Lynch Carpenter Investigates The Ohio Medical Alliance Data Breach Claims

Bread Financial Announces Expiration and Results of Its Previously Announced Cash Tender Offers

Aug 22, 2025, 7:30 AM EDT - 6 months ago

Bread Financial Announces Expiration and Results of Its Previously Announced Cash Tender Offers

Is the crashing Adidas share price a buying opportunity?

Aug 18, 2025, 2:18 AM EDT - 6 months ago

Is the crashing Adidas share price a buying opportunity?

Bread Financial Provides Performance Update for July 2025

Aug 15, 2025, 7:30 AM EDT - 6 months ago

Bread Financial Provides Performance Update for July 2025

Bread Financial Announces Early Tender Results of its Previously Announced Cash Tender Offers and Extends Total Consideration Through the Expiration Date

Aug 7, 2025, 7:30 AM EDT - 7 months ago

Bread Financial Announces Early Tender Results of its Previously Announced Cash Tender Offers and Extends Total Consideration Through the Expiration Date

Adidas shares slump after sales miss, tariff warning and guidance confirmation

Jul 30, 2025, 5:48 AM EDT - 7 months ago

Adidas shares slump after sales miss, tariff warning and guidance confirmation

Bread Financial Holdings, Inc. (BFH) Q2 2025 Earnings Call Transcript

Jul 25, 2025, 1:01 PM EDT - 7 months ago

Bread Financial Holdings, Inc. (BFH) Q2 2025 Earnings Call Transcript

Bread Financial Provides Performance Update for June 2025

Jul 24, 2025, 6:55 AM EDT - 7 months ago

Bread Financial Provides Performance Update for June 2025

Bread Financial Reports Second Quarter 2025 Results

Jul 24, 2025, 6:50 AM EDT - 7 months ago

Bread Financial Reports Second Quarter 2025 Results

Bread Financial Announces Modified Dutch Auction Cash Tender Offers for 9.750% Senior Notes Due 2029 and/or 8.375% Fixed-Rate Subordinated Notes due 2035

Jul 24, 2025, 6:45 AM EDT - 7 months ago

Bread Financial Announces Modified Dutch Auction Cash Tender Offers for 9.750% Senior Notes Due 2029 and/or 8.375% Fixed-Rate Subordinated Notes due 2035

Bread Financial Declares Dividend on Common Stock

Jul 24, 2025, 6:40 AM EDT - 7 months ago

Bread Financial Declares Dividend on Common Stock

Caesars Entertainment and Bread Financial Introduce New Caesars Rewards® Prestige Visa, a Premium-Level Credit Card Allowing Caesars Rewards Members to Earn Tier Status Faster and Unlock Luxury Rewards with Every Purchase

Jul 16, 2025, 7:30 AM EDT - 7 months ago

Caesars Entertainment and Bread Financial Introduce New Caesars Rewards® Prestige Visa, a Premium-Level Credit Card Allowing Caesars Rewards Members to Earn Tier Status Faster and Unlock Luxury Rewards with Every Purchase

Bread Financial Schedules Second Quarter 2025 Earnings Conference Call for July 24

Jul 8, 2025, 7:30 AM EDT - 8 months ago

Bread Financial Schedules Second Quarter 2025 Earnings Conference Call for July 24

How retail credit cards could bankrupt consumers with record high interest rates

Jun 19, 2025, 9:11 AM EDT - 8 months ago

How retail credit cards could bankrupt consumers with record high interest rates

Bread Financial Provides Performance Update for May 2025

Jun 11, 2025, 7:00 AM EDT - 9 months ago

Bread Financial Provides Performance Update for May 2025

Bread Financial Announces Early Tender Results of Its Previously Announced Cash Tender Offer

Jun 5, 2025, 7:30 AM EDT - 9 months ago

Bread Financial Announces Early Tender Results of Its Previously Announced Cash Tender Offer

Bread Financial to Participate in the Morgan Stanley US Financials Conference

Jun 4, 2025, 7:30 AM EDT - 9 months ago

Bread Financial to Participate in the Morgan Stanley US Financials Conference

Bread Financial Announces Modified Dutch Auction Cash Tender Offer for 9.750% Senior Notes Due 2029

May 21, 2025, 7:30 AM EDT - 9 months ago

Bread Financial Announces Modified Dutch Auction Cash Tender Offer for 9.750% Senior Notes Due 2029

d_risk
d_risk Feb. 16 at 12:33 AM
$BFH - Bread Financial Holdings Inc - 10K - Updated Risk Factors BFH’s 2026 10-K overhauls risk disclosures: trims macro, model, funding and concentration risks while sharply expanding detail on liquidity, debt, legal and regulatory scrutiny (rate caps, privacy, BHC status), cybersecurity and AI threats, tech transformation missteps, stock and preferred equity risks, and dependence on bank subs and a pending bank merger. #FinancialServices #RegulatoryRisk #CybersecurityThreats #LiquidityRisk #BankMerger 🟢 Added 🟠 Removed https://d-risk.ai/BFH/10-K/2026-02-13
0 · Reply
Estimize
Estimize Feb. 9 at 5:09 PM
Wall St is expecting 2.97 EPS for $BFH Q1 [Reporting 04/23 BMO] http://www.estimize.com/intro/bfh?chart=historical&metric_name=eps&utm_cont
0 · Reply
AStrokeOfLuck
AStrokeOfLuck Feb. 5 at 5:29 PM
$BFH
0 · Reply
MaverickMarket
MaverickMarket Feb. 4 at 9:23 AM
$BFH regional bank, commercial loan growth
0 · Reply
BillionerOfKing
BillionerOfKing Feb. 3 at 11:08 PM
$BFH Current Stock Price: $75.41 Contracts to trade: $75.0 BFH Feb 20 2026 Call Entry: $2.20 Exit: $2.99 ROI: 36% Hold ~20 days Shared as daily free alerts and for educational purposes only. https://dailypickai.com/freealerts
0 · Reply
Estimize
Estimize Feb. 2 at 5:01 PM
Wall St is expecting 2.88 EPS for $BFH Q1 [Reporting 04/23 BMO] http://www.estimize.com/intro/bfh?chart=historical&metric_name=eps&utm_cont
0 · Reply
ZacksResearch
ZacksResearch Feb. 2 at 2:54 PM
$BFH smashed Q4 expectations, outperforming the Zacks Consensus Estimate by 417.5%! 🚀 The earnings surge came on the back of pricing changes and solid revenue growth, up 5.3% from the prior-year level, beating estimates by 3.62%. 📈 Discover the full story behind BFH’s strong performance 👉 https://www.zacks.com/stock/news/2827000/bread-financial-q4-earnings-and-revenues-top-estimates-rise-yy?cid=sm-stocktwits-2-2827000-body-31400&ADID=SYND_STOCKTWITS_TWEET_2_2827000_BODY_31400
0 · Reply
ZacksResearch
ZacksResearch Feb. 2 at 1:54 PM
$BFH just blew the doors off Q4 — is this turnaround for real? 🚀💳 BFH crushed Q4 expectations as pricing gains and lower losses drove a 406% earnings surge, revenue growth, margin expansion, and a higher dividend — that’s a powerful combo showing real operating leverage. See the full earnings breakdown here 👉 https://www.zacks.com/stock/news/2827000/bread-financial-q4-earnings-and-revenues-top-estimates-rise-yy?cid=sm-stocktwits-2-2827000-teaser-31397&ADID=SYND_STOCKTWITS_TWEET_2_2827000_TEASER_31397
0 · Reply
Estimize
Estimize Jan. 29 at 11:22 PM
$BFH reported 2.07 EPS and 975.00 revenue for Q4. http://www.estimize.com/intro/bfh?chart=historical&metric_name=eps&utm_content=BFH&utm_me
0 · Reply
StocktwitsEarnings
StocktwitsEarnings Jan. 29 at 11:56 AM
$BFH Q4 '25 Earnings Results & Recap • Reported GAAP EPS of $1.19 up 750.00% YoY • Reported revenue of $975M up 5.41% YoY • Bread Financial anticipates 2026 total revenue and average credit card and other loans growth to be up low single digits from full year 2025. The company expects a 2026 net loss rate in the range of 7.2% to 7.4%.
0 · Reply
ZacksResearch
ZacksResearch Jan. 26 at 3:15 PM
Is $BFH setting up for an earnings surprise this season? 👀 Q4 earnings may dip year over year even as revenues strengthen — but there are signs pointing to a potential beat when results drop on Jan. 29. Find out what could tip the scales this earnings season 👉 https://www.zacks.com/stock/news/2822775/is-bread-financial-poised-for-a-beat-this-earnings-season?cid=sm-stocktwits-2-2822775-teaser-30348&ADID=SYND_STOCKTWITS_TWEET_2_2822775_TEASER_30348
0 · Reply
ZacksResearch
ZacksResearch Jan. 26 at 2:15 PM
$BFH set for an earnings beat? 🚀 Bread Financial's Earnings ESP of +32.20% and Zacks Rank #2 signal a strong chance for a surprise. Revenue growth of 2.5% YoY and strategic diversification through partner co-brand growth and proprietary cards could drive Q4 results. 📈 Discover the full potential here 👉 https://www.zacks.com/stock/news/2822775/is-bread-financial-poised-for-a-beat-this-earnings-season?cid=sm-stocktwits-2-2822775-body-30349&ADID=SYND_STOCKTWITS_TWEET_2_2822775_BODY_30349
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SuperGreenToday
SuperGreenToday Jan. 23 at 5:27 AM
$BFH Share Price: $70.98 Contract Selected: Jun 18, 2026 $70 Calls Buy Zone: $10.03 – $12.39 Target Zone: $17.36 – $21.22 Potential Upside: 63% ROI Time to Expiration: 146 Days | Updates via https://fxcapta.com/stockinfo/
0 · Reply
testedprofit
testedprofit Jan. 13 at 3:23 PM
$BFH To many shorts on this, Once it does rebound you will see 5-10% in one day. Just alot of fear right now with orange man making promises he wont actually do.
0 · Reply
TICKERSPARK
TICKERSPARK Jan. 12 at 11:33 PM
Ballot prop for a 10% cap on credit card rates is a policy shock that rewrites margin math and securitization for card lenders. $BFH is in the hot seat. Don't trade blind.
0 · Reply
IN0V8
IN0V8 Jan. 12 at 6:27 PM
$BFH Buy RBC raises target price to $83 from $70
0 · Reply
CFAstockpicker
CFAstockpicker Jan. 12 at 5:02 AM
$SYF $BFH $COF at greatest risk on POTUS threat to cap credit card interest at 10%. However, in a K economy, does he risk triggering a recession if these credit card companies and major banks respond by dropping millions of card holders with low credit ratings? Threat is tricky business, because it could result in closure of between 13%-33% of all credit cards issued in the U.S. https://gemini.google.com/share/0d9572faefc5
0 · Reply
RunnerSignals
RunnerSignals Jan. 9 at 9:46 PM
$APP $ARBE $AVGO $BCAX $BFH rolling with fresh analyst love with robotics, and semis making moves you don't want to blink past! https://stocksrunner.com/news/2026-01-09-stock-upgrades-today
0 · Reply
IN0V8
IN0V8 Jan. 8 at 4:37 PM
$BFH Buy UBS initiates coverage with buy rating and target price $92
0 · Reply
IN0V8
IN0V8 Jan. 5 at 6:00 PM
$BFH 1/2/26 Buy KBW raises target price to $92 from $82
0 · Reply
anachartanalyst
anachartanalyst Jan. 2 at 8:01 PM
$BFH https://anachart.com/wp-content/uploads/ana_temp/1767384082_soc-img.jpg
0 · Reply
ZacksResearch
ZacksResearch Jan. 2 at 7:48 PM
$BFH near a 52-week high — is this run just getting started or time to pause? 👀 The stock is outperforming its industry, supported by solid credit sales, proactive risk management, strong financial flexibility, prudent capital deployment, and a higher return on capital. Is this a hold-worthy setup at these levels? Full breakdown here 👉 https://www.zacks.com/stock/news/2811407/bfh-outperforms-industry-trades-near-52-week-high-time-to-hold?cid=sm-stocktwits-2-2811407-teaser-27228&ADID=SYND_STOCKTWITS_TWEET_2_2811407_TEASER_27228
0 · Reply