Bread Financial Hldgs Inc (BFH)

$66.44 +0.94 (1.44%)
Market Cap 3.06B
Revenue (ttm) 4.79B
Net Income (ttm) 277.00M
EPS (ttm) N/A
PE Ratio 6.28
Forward PE 7.86
Profit Margin 5.79%
Debt to Equity Ratio 1.34
Volume 201,325
Avg Vol 678,838
Day's Range N/A - N/A
Shares Out 46.64M
Stochastic %K 88%
Beta 1.41
Analysts Sell
Price Target $70.13

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
marlonsharp
marlonsharp Oct. 24 at 10:12 PM
$BFH BFH US Bread Financial Q2 2025 EPS $3.14-$3.15, crushing estimates of $1.85-$1.92. Extremely low valuation: P/E 9.0, P/B 0.8. Massive upside potential with 20% growth forecast. Strong buy signal.
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IN0V8
IN0V8 Oct. 24 at 7:13 PM
$BFH JP Morgan raises target price to $72 from $70 TD Cowen raises target price to $68 from $63
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JarvisFlow
JarvisFlow Oct. 24 at 5:38 PM
Goldman Sachs has adjusted their stance on Bread Finl Hldgs ( $BFH ), setting the rating to Sell with a target price of 60 → 68.
0 · Reply
JarvisFlow
JarvisFlow Oct. 24 at 5:05 PM
TD Cowen has updated their rating for Bread Finl Hldgs ( $BFH ) to Hold with a price target of 68.
0 · Reply
ZacksResearch
ZacksResearch Oct. 24 at 3:49 PM
$BFH beats the Zacks Consensus Estimate with a 90.5% EPS surprise! Operating income soared to $4.02 per share, more than doubling YoY, driven by higher credit sales and cost savings. However, revenues dipped 1.2% YoY due to lower late fees and retailer arrangements. Discover the full details here 👉 https://www.zacks.com/stock/news/2776534/bfh-q3-earnings-revenues-beat-estimates-credit-sales-rise-yy?cid=sm-stocktwits-2-2776534-body-17544&ADID=SYND_STOCKTWITS_TWEET_2_2776534_BODY_17544
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ZacksResearch
ZacksResearch Oct. 24 at 2:49 PM
$BFH beats on both earnings and revenue — but here’s the real story behind the numbers. Higher credit sales and lower non-interest expenses fueled the quarter, though average and end-of-period loans came in lighter. Full breakdown of Bread Financial’s Q3 performance here 👉 https://www.zacks.com/stock/news/2776534/bfh-q3-earnings-revenues-beat-estimates-credit-sales-rise-yy?cid=sm-stocktwits-2-2776534-teaser-17524&ADID=SYND_STOCKTWITS_TWEET_2_2776534_TEASER_17524
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JarvisFlow
JarvisFlow Oct. 24 at 2:05 PM
RBC Capital has updated their rating for Bread Finl Hldgs ( $BFH ) to Sector Perform with a price target of 70.
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JarvisFlow
JarvisFlow Oct. 24 at 1:39 PM
Barclays has updated their rating for Bread Finl Hldgs ( $BFH ) to Underweight with a price target of 52.
0 · Reply
JarvisFlow
JarvisFlow Oct. 24 at 12:49 PM
JP Morgan updates rating for Bread Finl Hldgs ( $BFH ) to Neutral, target set at 70 → 72.
0 · Reply
BarbaraMartin2767
BarbaraMartin2767 Oct. 23 at 10:38 PM
$BFH BFH US Bread Financial is a tech-driven financial services firm offering data-driven payment, loan, and savings solutions. Key offerings include private-label and co-branded credit cards, installment plans, BNPL, and direct-to-consumer products like the Bread Cashback Amex card. It also provides marketing, loyalty, and analytics services. Q2 2025 adjusted EPS was $3.14–3.15, beating estimates of $1.85–1.92. The company has low multiples: P/E 9.0, P/B 0.8, and a 1.4% dividend yield, with a 14% payout ratio. Excess earnings fund share buybacks. Targeting a P/B of 1.0 implies ~20% growth potential.https://stocktwits.com/GaryBrown7417/message/632828520
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Latest News on BFH
Bread Financial Holdings, Inc. (BFH) Q3 2025 Earnings Call Transcript

Oct 23, 2025, 3:17 PM EDT - 3 days 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 days 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 days 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 days 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 days 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 - 20 days 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 - 21 days 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 - 6 weeks 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 - 6 weeks 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 - 7 weeks 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 - 2 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 - 2 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 - 2 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 - 2 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 - 2 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 - 2 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 - 3 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 - 3 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 - 3 months ago

Bread Financial Provides Performance Update for June 2025

Bread Financial Reports Second Quarter 2025 Results

Jul 24, 2025, 6:50 AM EDT - 3 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 - 3 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 - 3 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 - 3 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 - 3 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 - 4 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 - 4 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 - 5 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 - 5 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 - 5 months ago

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

Bread Financial Provides Performance Update for April 2025

May 13, 2025, 7:00 AM EDT - 5 months ago

Bread Financial Provides Performance Update for April 2025

Bread Financial's 2024 Sustainability Report showcases focus, investment in sustainable business practices

May 12, 2025, 7:30 AM EDT - 6 months ago

Bread Financial's 2024 Sustainability Report showcases focus, investment in sustainable business practices

Banks are keeping credit card rates high even after the CFPB rule they blamed for high APRs was killed

May 7, 2025, 7:00 AM EDT - 6 months ago

Banks are keeping credit card rates high even after the CFPB rule they blamed for high APRs was killed

C SYF

Bread Financial, Bob Woodruff Foundation Announce Multiyear Mission to Improve Mental Health Care for Children in Military Families

May 5, 2025, 9:18 AM EDT - 6 months ago

Bread Financial, Bob Woodruff Foundation Announce Multiyear Mission to Improve Mental Health Care for Children in Military Families

Wealthy consumers upped their spending last quarter, while the rest of America is cutting back

Apr 28, 2025, 12:31 PM EDT - 6 months ago

Wealthy consumers upped their spending last quarter, while the rest of America is cutting back

AXP C JPM SYF

Bread Financial Holdings, Inc. (BFH) Q1 2025 Earnings Call Transcript

Apr 24, 2025, 2:57 PM EDT - 6 months ago

Bread Financial Holdings, Inc. (BFH) Q1 2025 Earnings Call Transcript

Bread Financial Provides Performance Update for March 2025

Apr 24, 2025, 6:55 AM EDT - 6 months ago

Bread Financial Provides Performance Update for March 2025

Crypto.com Selects Bread Financial to Launch New Crypto-based Rewards Credit Card Program in the U.S.

Apr 24, 2025, 6:50 AM EDT - 6 months ago

Crypto.com Selects Bread Financial to Launch New Crypto-based Rewards Credit Card Program in the U.S.

Bread Financial Reports First Quarter 2025 Results

Apr 24, 2025, 6:45 AM EDT - 6 months ago

Bread Financial Reports First Quarter 2025 Results

Bread Financial Schedules First Quarter 2025 Earnings Conference Call for Apr. 24

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

Bread Financial Schedules First Quarter 2025 Earnings Conference Call for Apr. 24

Adidas vs. Puma: how a sibling split in a small German town gave birth to a longstanding rivalry

Apr 5, 2025, 6:48 AM EDT - 7 months ago

Adidas vs. Puma: how a sibling split in a small German town gave birth to a longstanding rivalry

Bread Financial Provides Performance Update for February 2025

Mar 17, 2025, 8:12 AM EDT - 8 months ago

Bread Financial Provides Performance Update for February 2025

Community Care Alliance Data Breach Exposes Personal Information: Murphy Law Firm Investigates Legal Claims

Mar 10, 2025, 6:41 PM EDT - 8 months ago

Community Care Alliance Data Breach Exposes Personal Information: Murphy Law Firm Investigates Legal Claims

Bread Financial Announces Pricing of Private Offering of $400 million of Subordinated Notes

Mar 5, 2025, 7:06 PM EST - 8 months ago

Bread Financial Announces Pricing of Private Offering of $400 million of Subordinated Notes

Bread Financial Announces Approval of $150 Million Share Repurchase Program

Mar 5, 2025, 7:43 AM EST - 8 months ago

Bread Financial Announces Approval of $150 Million Share Repurchase Program

Bread Financial Announces Private Offering of Subordinated Notes

Mar 5, 2025, 7:30 AM EST - 8 months ago

Bread Financial Announces Private Offering of Subordinated Notes

marlonsharp
marlonsharp Oct. 24 at 10:12 PM
$BFH BFH US Bread Financial Q2 2025 EPS $3.14-$3.15, crushing estimates of $1.85-$1.92. Extremely low valuation: P/E 9.0, P/B 0.8. Massive upside potential with 20% growth forecast. Strong buy signal.
0 · Reply
IN0V8
IN0V8 Oct. 24 at 7:13 PM
$BFH JP Morgan raises target price to $72 from $70 TD Cowen raises target price to $68 from $63
0 · Reply
JarvisFlow
JarvisFlow Oct. 24 at 5:38 PM
Goldman Sachs has adjusted their stance on Bread Finl Hldgs ( $BFH ), setting the rating to Sell with a target price of 60 → 68.
0 · Reply
JarvisFlow
JarvisFlow Oct. 24 at 5:05 PM
TD Cowen has updated their rating for Bread Finl Hldgs ( $BFH ) to Hold with a price target of 68.
0 · Reply
ZacksResearch
ZacksResearch Oct. 24 at 3:49 PM
$BFH beats the Zacks Consensus Estimate with a 90.5% EPS surprise! Operating income soared to $4.02 per share, more than doubling YoY, driven by higher credit sales and cost savings. However, revenues dipped 1.2% YoY due to lower late fees and retailer arrangements. Discover the full details here 👉 https://www.zacks.com/stock/news/2776534/bfh-q3-earnings-revenues-beat-estimates-credit-sales-rise-yy?cid=sm-stocktwits-2-2776534-body-17544&ADID=SYND_STOCKTWITS_TWEET_2_2776534_BODY_17544
0 · Reply
ZacksResearch
ZacksResearch Oct. 24 at 2:49 PM
$BFH beats on both earnings and revenue — but here’s the real story behind the numbers. Higher credit sales and lower non-interest expenses fueled the quarter, though average and end-of-period loans came in lighter. Full breakdown of Bread Financial’s Q3 performance here 👉 https://www.zacks.com/stock/news/2776534/bfh-q3-earnings-revenues-beat-estimates-credit-sales-rise-yy?cid=sm-stocktwits-2-2776534-teaser-17524&ADID=SYND_STOCKTWITS_TWEET_2_2776534_TEASER_17524
0 · Reply
JarvisFlow
JarvisFlow Oct. 24 at 2:05 PM
RBC Capital has updated their rating for Bread Finl Hldgs ( $BFH ) to Sector Perform with a price target of 70.
0 · Reply
JarvisFlow
JarvisFlow Oct. 24 at 1:39 PM
Barclays has updated their rating for Bread Finl Hldgs ( $BFH ) to Underweight with a price target of 52.
0 · Reply
JarvisFlow
JarvisFlow Oct. 24 at 12:49 PM
JP Morgan updates rating for Bread Finl Hldgs ( $BFH ) to Neutral, target set at 70 → 72.
0 · Reply
BarbaraMartin2767
BarbaraMartin2767 Oct. 23 at 10:38 PM
$BFH BFH US Bread Financial is a tech-driven financial services firm offering data-driven payment, loan, and savings solutions. Key offerings include private-label and co-branded credit cards, installment plans, BNPL, and direct-to-consumer products like the Bread Cashback Amex card. It also provides marketing, loyalty, and analytics services. Q2 2025 adjusted EPS was $3.14–3.15, beating estimates of $1.85–1.92. The company has low multiples: P/E 9.0, P/B 0.8, and a 1.4% dividend yield, with a 14% payout ratio. Excess earnings fund share buybacks. Targeting a P/B of 1.0 implies ~20% growth potential.https://stocktwits.com/GaryBrown7417/message/632828520
0 · Reply
AStrokeOfLuck
AStrokeOfLuck Oct. 23 at 7:44 PM
$BFH
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AstroMithras
AstroMithras Oct. 23 at 3:12 AM
$BFH $TOST $CTLP lots of fintechs named after food 🤔🧐
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Arcides
Arcides Oct. 14 at 9:42 PM
$BFH good volume bounce
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JarvisFlow
JarvisFlow Oct. 13 at 7:39 PM
B of A Securities updates rating for Bread Finl Hldgs ( $BFH ) to Buy, target set at 69 → 74.
0 · Reply
JarvisFlow
JarvisFlow Oct. 13 at 7:39 PM
B of A Securities has adjusted their stance on Bread Finl Hldgs ( $BFH ), setting the rating to Buy with a target price of 55 → 65.
0 · Reply
JarvisFlow
JarvisFlow Oct. 13 at 7:39 PM
B of A Securities has updated their rating for Bread Finl Hldgs ( $BFH ) to Buy with a price target of 66.
0 · Reply
ZacksResearch
ZacksResearch Oct. 7 at 3:39 PM
$BFH trading at a bargain — but is it a long-term play? Forward P/E of 6.28X vs. industry’s 24.85X 2025 EPS expected to grow 9.6% YoY, while revenue is projected to increase 0.8% Analysts predict a 27.45% upside to $71 Discover the full investment case here 👉 https://www.zacks.com/stock/news/2763686/bfh-stock-trading-at-a-discount-to-industry-at-628x-time-to-hold?cid=sm-stocktwits-2-2763686-body-14937&ADID=SYND_STOCKTWITS_TWEET_2_2763686_BODY_14937
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ZacksResearch
ZacksResearch Oct. 7 at 2:39 PM
$BFH trading at just 6.28x — undervalued or value trap? The company’s strong credit sales, disciplined risk management, and solid capital returns suggest fundamentals that may justify a hold. Full breakdown on $BFH’s valuation setup here 👉 https://www.zacks.com/stock/news/2763686/bfh-stock-trading-at-a-discount-to-industry-at-628x-time-to-hold?cid=sm-stocktwits-2-2763686-teaser-14917&ADID=SYND_STOCKTWITS_TWEET_2_2763686_TEASER_14917
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Estimize
Estimize Oct. 6 at 2:15 PM
Wall St is expecting 2.14 EPS for $BFH Q3 [Reporting 10/23 BMO] http://www.estimize.com/intro/bfh?chart=historical&metric_name=eps&utm_cont
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JarvisFlow
JarvisFlow Oct. 5 at 2:59 PM
Morgan Stanley has adjusted their stance on Bread Finl Hldgs ( $BFH ), setting the rating to Underweight with a target price of 25 → 27.
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JarvisFlow
JarvisFlow Oct. 5 at 1:18 PM
Morgan Stanley has adjusted their stance on Bread Finl Hldgs ( $BFH ), setting the rating to Underweight with a target price of 39 → 45.
0 · Reply
anachartanalyst
anachartanalyst Oct. 1 at 6:02 PM
$BFH https://anachart.com/wp-content/uploads/ana_temp/1759341736_soc-img.jpg
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