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Bread Financial Holdings (BFH)
NYSE:BFH
RESEARCH TOOLSreports
BFH Stock Chart & Stats
Day’s Range― - ―
52-Week Range$32.10 - $66.71
Previous CloseN/A
Volume82.87K
Average Volume (3M)634.46K
Market Cap
$3.04B
Enterprise Value$3.54B
Total Cash (Recent Filing)N/A
Total Debt (Recent Filing)N/A
Price to Earnings (P/E)11.3
Beta1.49
Next Earnings
Apr 24, 2025EPS Estimate
2.2Last Dividend Ex-Date
Feb 14, 2025Dividend Yield1.35%
Share Statistics
EPS (TTM)5.52
Shares Outstanding49,092,358
10 Day Avg. Volume523,339
30 Day Avg. Volume634,462
Standard Deviation0.18
R-Squared0.33
Alpha-0.01
Financial Highlights & Ratios
PEG RatioN/A
Price to Book (P/B)N/A
Price to Sales (P/S)0.72
Price to Cash Flow (P/CF)1.60
P/FCF Ratio1.60
Enterprise Value/Market Cap1.16
Enterprise Value/RevenueN/A
Enterprise Value/Gross Profit0.70
Enterprise Value/Ebitda8.55
Forecast
1Y Price Target
$73.44Price Target Upside20.35% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering11
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Bread Financial Holdings News
See All BFH News
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Bulls Say, Bears Say
Bulls Say
Balance SheetBFH is making progress on credit and has also meaningfully improved its balance sheet health.
Credit MetricsCredit trajectory looking better versus just 3 months ago, with 4Q24 delinquencies down 56 basis points year over year.
ValuationCurrently trading at less than 8 times 2026 estimated EPS, shares are viewed as attractive, and a Buy rating is reiterated.
Bears Say
Credit PerformanceCredit losses are still well in excess of BFH’s longer-term less than 6% guide, which will likely be reached at best in the second half of 2026.
Loan GrowthIt is likely that the return of loan growth will pressure margins, as many of the new accounts are not expected to generate as much in late fees as the existing book.
Revenue GrowthBFH missed 4Q top-line estimates and is only guiding for low-single-digit revenue growth in 2025.
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Ownership Overview
2.40% Insiders
26.56% Mutual Funds
25.15% Other Institutional Investors
18.72% Public Companies and Individual Investors
Risk Analysis
Main Risk Category
Finance & CorporateFinancial and accounting risks. Risks related to the execution of corporate activity and strategy
Website Traffic
Sorry, No Data AvailableThere is no website visitor data available for this stock.
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BFH FAQ
What was Bread Financial Holdings’s price range in the past 12 months?
Bread Financial Holdings lowest stock price was $32.10 and its highest was $66.71 in the past 12 months.
What is Bread Financial Holdings’s market cap?
Bread Financial Holdings’s market cap is $3.04B.
When is Bread Financial Holdings’s upcoming earnings report date?
Bread Financial Holdings’s upcoming earnings report date is Apr 24, 2025 which is in 62 days.
How were Bread Financial Holdings’s earnings last quarter?
Bread Financial Holdings released its earnings results on Jan 30, 2025. The company reported $0.41 earnings per share for the quarter, beating the consensus estimate of $0.232 by $0.178.
Is Bread Financial Holdings overvalued?
According to Wall Street analysts Bread Financial Holdings’s price is currently Undervalued.
Does Bread Financial Holdings pay dividends?
Bread Financial Holdings pays a Quarterly dividend of $0.836 which represents an annual dividend yield of 1.35%. See more information on Bread Financial Holdings dividends here
What is Bread Financial Holdings’s EPS estimate?
Bread Financial Holdings’s EPS estimate is 2.2.
How many shares outstanding does Bread Financial Holdings have?
Bread Financial Holdings has 49,092,358 shares outstanding.
What happened to Bread Financial Holdings’s price movement after its last earnings report?
Bread Financial Holdings reported an EPS of $0.41 in its last earnings report, beating expectations of $0.232. Following the earnings report the stock price went up 0.095%.
Which hedge fund is a major shareholder of Bread Financial Holdings?
Currently, no hedge funds are holding shares in BFH
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Bread Financial Holdings Stock Smart Score
Neutral
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$73.44 (20.35% Upside)
$73.44 (20.35% Upside)
Blogger Sentiment
Neutral
BFH Sentiment 50%
Sector Average 68%
Sector Average 68%
Hedge Fund Trend
Decreased
By 188.5K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $51.0K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Positive
Last 7 Days ▲ 0.9%
Last 30 Days ▲ 0.9%
Last 30 Days ▲ 0.9%
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
66.78%
12-Months-Change
Fundamentals
Return on Equity
9.31%
Trailing 12-Months
Asset Growth
-1.38%
Trailing 12-Months
Company Description
Bread Financial Holdings
Alliance Data Systems Corp. engages in the provision of data-driven and transaction-based marketing and customer loyalty solutions. It operates through the following segments: LoyaltyOne, Epsilon and Card Services. The LoyaltyOne segment provides coalition and short-term loyalty programs. The Epsilon segment offers end-to-end, integrated marketing solutions. The Card Services offers risk management solutions, account origination, funding, transaction processing, customer care, collections, and marketing services for the company's private label and co-brand credit card programs. The company was founded in 1996 and is headquartered in Columbus, Ohio.
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BFH Company Deck
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BFH Earnings Call
Q4 2025
0:00 / 0:00
Earnings Call Sentiment|Neutral
The earnings call highlighted the addition of significant brand partners and strong partner growth, as well as improvements in capital levels and operating leverage. However, it also revealed challenges such as decreased credit sales and loans, a decline in revenue, concerns over net loss rates, and lower net interest income.Read More>---
BFH Stock 12 Month Forecast
Average Price Target
$73.44
▲(20.35% Upside)
Technical Analysis
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Best Analysts Covering BFH
1 Year
1 Year Success Rate
10/15 ratings generated profit
1 Year Average Return
+15.31%
reiterated a buy rating 19 days ago
Copying Bill Ryan's trades and holding each position for 1 Year would result in 66.67% of your transactions generating a profit, with an average return of +15.31% per trade.
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