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Bread Financial Holdings, Inc. (BFH)

101.72 +1.83 (+1.83%)
At close: October 26 at 4:00:03 PM EDT
101.22 -0.58 (-0.57%)
Pre-Market: 8:10:24 AM EDT
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Chart Range Bar
Loading chart for BFH
  • Previous Close 99.89
  • Open 101.09
  • Bid 40.97 x 10000
  • Ask --
  • Day's Range 101.00 - 102.71
  • 52 Week Range 59.26 - 114.53
  • Volume 373,703
  • Avg. Volume 533,420
  • Market Cap (intraday) 3.908B
  • Beta (5Y Monthly) 1.18
  • PE Ratio (TTM) 7.89
  • EPS (TTM) 12.90
  • Earnings Date Oct 22, 2026
  • Forward Dividend & Yield 1.00 (0.98%)
  • 1y Target Est 115.25
  • Morningstar Rating Rating available with Stock Picks access

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. In addition, it offers an enhanced digital suite that includes a unified software development kit, which provides access to its suite of products, as well as promotes credit payment options earlier in the shopping experience. Further, the company through Bread Pay, a digital payments platform and robust suite of application programming interfaces allows merchants and partners to integrate online point-of-sale financing and other digital payment products. Additionally, it offers retail and deposit products, primarily in the form of certificates of deposit and high-yield savings accounts, including traditional and Roth Individual Retirement Accounts. The company offers its products under the Bread, Bread Financial, Bread Cashback, Bread Rewards, Bread Pay, and Bread Savings brands. The company was formerly known as Alliance Data Systems Corporation and changed its name to Bread Financial Holdings, Inc. in March 2022. Bread Financial Holdings, Inc. was incorporated in 1995 and is headquartered in Columbus, Ohio.

www.breadfinancial.com

6,000

Full Time Employees

December 31

Fiscal Year Ends

Credit Services

Industry

Performance Overview

Trailing total returns as of 10/26/2026, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC) .

YTD Return

BFH
38.46%
S&P 500 (^GSPC)
12.14%

1-Year Return

BFH
57.06%
S&P 500 (^GSPC)
13.03%

3-Year Return

BFH
289.22%
S&P 500 (^GSPC)
85.55%

5-Year Return

BFH
47.71%
S&P 500 (^GSPC)
67.81%

Earnings Trends

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Earnings Per Share

GAAP
Normalized
GAAP
Normalized

Revenue vs. Earnings

Annual
Quarterly
Annual
Quarterly
Q3 FY26
Revenue 1.02B
Earnings 150M
Profit Margin 14.75%

Q4

FY25

Q1

FY26

Q2

FY26

Q3

FY26

0
200M
400M
600M
800M
1B
6.0%
8.0%
10.0%
12.0%
14.0%
16.0%

Analyst Insights

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Analyst Price Targets

86.00 Low
115.25 Average
101.72 Current
131.00 High

Analyst Recommendations

  • Strong Buy
  • Buy
  • Hold
  • Underperform
  • Sell

Latest Rating

Date 10/23/2026
Analyst Barclays
Rating Action Maintains
Rating Equal-Weight
Price Action Lowers
Price Target 110 -> 107

Statistics

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Valuation Measures

Annual
As of 10/23/2026
  • Market Cap

    3.84B

  • Enterprise Value

    --

  • Trailing P/E

    7.74

  • Forward P/E

    7.63

  • PEG Ratio (current)

    3.28

  • Price/Sales (ttm)

    1.12

  • Price/Book (mrq)

    1.15

  • Enterprise Value/Revenue

    --

  • Enterprise Value/EBITDA

    --

Financial Highlights

Profitability and Income Statement

  • Profit Margin

    19.95%

  • Return on Assets (ttm)

    2.38%

  • Return on Equity (ttm)

    15.87%

  • Revenue (ttm)

    2.69B

  • Net Income Avi to Common (ttm)

    526M

  • Diluted EPS (ttm)

    12.90

Balance Sheet and Cash Flow

  • Total Cash (mrq)

    3.96B

  • Total Debt/Equity (mrq)

    --

  • Levered Free Cash Flow (ttm)

    --

Compare

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Company Insights

Fair Value

101.72 Current

Dividend Score

0 Low
Sector Avg.
100 High

Hiring Score

0 Low
Sector Avg.
100 High

Insider Sentiment Score

0 Low
Sector Avg.
100 High

Research Reports

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  • Bread Financial Earnings: Loan Growth and Improving Credit Quality Support Net Income in Q3

    Formed by a combination of JCPenney’s credit card processing unit and The Limited’s credit card bank business, Bread Financial is a provider of private-label and co-branded credit cards, loyalty programs, and marketing services. The company’s most financially significant unit is its credit card business, which partners with retailers to jointly market Bread’s credit cards to their customers. The company also retains a minority interest in spun-off LoyaltyOne, which operates the largest airline miles loyalty program in Canada and offers marketing services to grocery chains in Europe and Asia.

  • Raising target price to $110.00

    BREAD FINANCIAL HOLDINGS INC has an Investment Rating of HOLD; a target price of $110.000000; an Industry Subrating of High; a Management Subrating of Low; a Safety Subrating of Low; a Financial Strength Subrating of Low; a Growth Subrating of Medium; and a Value Subrating of High.

  • Raising target price to $107.00

    BREAD FINANCIAL HOLDINGS INC has an Investment Rating of HOLD; a target price of $107.000000; an Industry Subrating of High; a Management Subrating of Low; a Safety Subrating of Low; a Financial Strength Subrating of Low; a Growth Subrating of Medium; and a Value Subrating of High.

  • Lowering target price to $103.00

    BREAD FINANCIAL HOLDINGS INC has an Investment Rating of HOLD; a target price of $103.000000; an Industry Subrating of High; a Management Subrating of Low; a Safety Subrating of Low; a Financial Strength Subrating of Low; a Growth Subrating of Medium; and a Value Subrating of High.

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