/BFH
BFH Stock - Bread Financial Holdings, Inc.
Financial Services|Financial - Credit ServicesNYSE
$78.00+0.46%
+$0.36 (+0.46%) • Dec 19
47
GoAI Score
GoAI Score
Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.HOLD
Medium Confidence
Momentum
Momentum Score
Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.95
Sentiment
Sentiment Score
Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).0
Risk Score
Risk Score
Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.68
Price Target
Price Target
Average analyst price target from the last quarter. Shows expected upside/downside from current price.+-28.5%upside
Target: $55.77
AI Analysis PreviewPremium
Real-time AI-powered market analysis
Precise entry/exit price targets
Risk assessment & position sizing
Unlock GoAI Insights for BFH
Get institutional-grade AI analysis, real-time signals, and deep market intelligence powered by advanced machine learning.
Buy/Sell Signals
94% win rate on Alpha signals
Deep Analysis
Institutional-grade thesis
Real-Time Alerts
SMS & push notifications
Risk Scoring
Multi-factor analysis
Free 14-day trial • No credit card required
Active Trade Setup
ENTRY ZONE$77.22 – $78.78
TARGET (TP)$55.80
STOP LOSS$71.76
RISK/REWARD1:-3.6
Premium members get real-time SMS alerts
Price Chart
Financial Statements
Revenue & Profitability Trend
← Swipe to see more →
Revenue
Net Income (Profit)
Net Loss
Key Metrics
Market CapN/A
P/E RatioN/A
Beta1.31
52W High$78.27
52W Low$38.21
Avg VolumeN/A
Income Statement (Fiscal Year)
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $4.80B | $5.17B | $4.37B | $3.65B | $2.03B |
| Gross Profit | $2.44B | $3.07B | $2.28B | $2.06B | $2.03B |
| Gross Margin | 50.9% | 59.3% | 52.0% | 56.4% | 100.0% |
| Operating Income | $381.00M | $968.00M | $300.00M | $1.04B | $983.00M |
| Net Income | $277.00M | $718.00M | $223.00M | $801.00M | $214.00M |
| Net Margin | 5.8% | 13.9% | 5.1% | 21.9% | 10.5% |
| EPS | $5.58 | $14.42 | $4.47 | $16.12 | $4.47 |
Company Overview
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 approximately 130 private label and co-brand credit card programs, as well as through Bread partnerships to approximately 500 small-and medium-sized businesses merchants; and Comenity-branded general purpose cash-back credit. The company also manages and services the loans it originates for private label, co-brand, and general-purpose credit card programs and Bread BNPL (installment loans, 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, 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, including installment and split-pay solutions. 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 founded in 1996 and is headquartered in Columbus, Ohio.
Visit WebsiteRating Distribution
Strong Buy
0%
Buy / Outperform
5
42%
Hold / Neutral
5
42%
Sell / Underperform
2
17%
Analyst Consensus🔴 Bearish
5 Bullish7 Neutral/Bearish
Price Targets
$48
Average Target
↓ 38.9% Downside
Now
$24
Low
$48
Average
$105
High
Based on 20 analysts
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| December 8th 2025 | Wolfe Research | Resumed | Peer Perform | - |
| December 4th 2025 | JP Morgan | Downgrade | Underweight | $72 |
| July 14th 2025 | BTIG Research | Upgrade | Buy | $105 |
| April 7th 2025 | Morgan Stanley | Downgrade | Underweight | $33 |
| December 19th 2024 | Morgan Stanley | Upgrade | Overweight | $76← $35 |
| August 9th 2024 | BofA Securities | Upgrade | Buy | $54 |
| July 16th 2024 | Compass Point | Initiation | Buy | $54 |
| June 20th 2024 | Evercore ISI | Upgrade | In-line | $45← $42 |
| June 7th 2024 | BTIG Research | Initiation | Neutral | - |
| May 2nd 2024 | Keefe Bruyette | Upgrade | Outperform | $67← $38 |
| May 1st 2024 | Argus | Downgrade | Hold | - |
| April 4th 2024 | Wolfe Research | Upgrade | Outperform | $48 |
| January 10th 2024 | BMO Capital Markets | Initiation | Market Perform | $33 |
| January 3rd 2024 | Evercore ISI | Downgrade | Underperform | $33← $29 |
| December 18th 2023 | JP Morgan | Downgrade | Neutral | $36← $42 |
Earnings History & Surprises
BFHBeat Rate
72%
Last 18 quarters
Avg Surprise
+54.8%
EPS vs Estimate
Beats / Misses
13/5
Last 12 quarters
Latest EPS
$4.02
Q4 2025
EPS Surprise History
Q1 24
+202.3%
$0.90vs$-0.88
Q2 24
-10.6%
$2.70vs$3.02
Q3 24
+50.3%
$2.66vs$1.77
Q4 24
-5.2%
$1.84vs$1.94
Q1 25
+24.2%
$0.41vs$0.33
Q2 25
+36.2%
$2.86vs$2.10
Q3 25
+69.7%
$3.14vs$1.85
Q4 25
+90.5%
$4.02vs$2.11
Beat Estimate
Missed Estimate
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q2 2026 | Apr 22, 2026 | — | — | — | — |
Q1 2026 | Jan 29, 2026 | $0.26 | — | — | — |
Q4 2025 | Oct 23, 2025 | $2.11 | $4.02 | +90.5% | ✓ BEAT |
Q3 2025 | Jul 24, 2025 | $1.85 | $3.14 | +69.7% | ✓ BEAT |
Q2 2025 | Apr 24, 2025 | $2.10 | $2.86 | +36.2% | ✓ BEAT |
Q1 2025 | Jan 30, 2025 | $0.33 | $0.41 | +24.2% | ✓ BEAT |
Q4 2024 | Oct 24, 2024 | $1.94 | $1.84 | -5.2% | ✗ MISS |
Q3 2024 | Jul 25, 2024 | $1.77 | $2.66 | +50.3% | ✓ BEAT |
Q2 2024 | Apr 25, 2024 | $3.02 | $2.70 | -10.6% | ✗ MISS |
Q1 2024 | Jan 25, 2024 | $-0.88 | $0.90 | +202.3% | ✓ BEAT |
Q4 2023 | Oct 26, 2023 | $2.32 | $3.46 | +49.1% | ✓ BEAT |
Q3 2023 | Jul 27, 2023 | $0.23 | $1.27 | +452.2% | ✓ BEAT |
Q2 2023 | Apr 27, 2023 | $6.87 | $9.08 | +32.2% | ✓ BEAT |
Q1 2023 | Jan 26, 2023 | $-2.97 | $-2.68 | +9.8% | ✓ BEAT |
Q4 2022 | Oct 27, 2022 | $2.60 | $2.69 | +3.5% | ✓ BEAT |
Q3 2022 | Jul 28, 2022 | $2.21 | $0.25 | -88.7% | ✗ MISS |
Q2 2022 | Apr 28, 2022 | $4.42 | $4.21 | -4.8% | ✗ MISS |
Q1 2022 | Jan 27, 2022 | $1.52 | $1.21 | -20.4% | ✗ MISS |
Q4 2021 | Oct 28, 2021 | $3.29 | $4.47 | +35.9% | ✓ BEAT |
Q3 2021 | Jul 29, 2021 | $3.73 | $5.99 | +60.6% | ✓ BEAT |
Latest News
Bread Financial Says Credit Card Losses And Late Payments Improved YoY In November
📈 PositiveBenzinga•Dec 10, 2025, 12:39 PM
Wolfe Research Assumes Bread Finl Hldgs at Peer Perform
➖ NeutralBenzinga•Dec 8, 2025, 04:45 PM
JP Morgan Downgrades Bread Finl Hldgs to Underweight, Maintains Price Target to $72
📉 NegativeBenzinga•Dec 4, 2025, 01:57 PM
Reported Earlier, Bread Financial Expects Approximately $72.64M In Net Proceeds From Depositary Shares Offering
📈 PositiveBenzinga•Nov 21, 2025, 08:14 AM
Bread Financial launches public offering of depositary shares
➖ NeutralSeeking Alpha•Nov 20, 2025, 02:31 PM
Bread Financial Launches Public Offering Of Series A Preferred Stock Depositary Shares At $25 Each, Representing 1/40th Interest per Share ($1,000 Per Full Share), Plans NYSE Listing
➖ NeutralBenzinga•Nov 20, 2025, 02:14 PM
Bread Financial Holdings Files For Stock Shelf; Size Not Disclosed
➖ NeutralBenzinga•Nov 17, 2025, 01:48 PM
Evercore ISI Group Maintains In-Line on Bread Finl Hldgs, Raises Price Target to $72
➖ NeutralBenzinga•Oct 30, 2025, 04:16 PM
Reported Earlier, Bread Financial Launches $500M Senior Notes Offering To Redeem $719M Of 9.750% Notes Due 2029
➖ NeutralBenzinga•Oct 29, 2025, 06:51 AM
Goldman Sachs Maintains Sell on Bread Finl Hldgs, Raises Price Target to $68
➖ NeutralBenzinga•Oct 24, 2025, 05:39 PM
TD Cowen Maintains Hold on Bread Finl Hldgs, Raises Price Target to $68
➖ NeutralBenzinga•Oct 24, 2025, 05:05 PM
Bread Financial stock jumps on strong Q3 earnings beat, buyback boost
📈 PositiveSeeking Alpha•Oct 23, 2025, 07:16 PM
Bread Financial partners with furniture and mattress retailer Raymour & Flanigan
📈 PositiveSeeking Alpha•Oct 23, 2025, 11:33 AM
Raymour & Flanigan Announces Long-Term Agreement With Bread Financial To Launch Private Label Credit Program
📈 PositiveBenzinga•Oct 23, 2025, 10:53 AM
Bread Finl Hldgs Expects FY2025 Revenue To Be Flat YoY
➖ NeutralBenzinga•Oct 23, 2025, 10:48 AM
Bread Finl Hldgs Q3 Adj. EPS $4.02 Beats $2.10 Estimate, Sales $971.000M Beat $964.711M Estimate
📈 PositiveBenzinga•Oct 23, 2025, 10:46 AM
Bread Financial Hikes Quarterly Cash Dividend By 10% From $0.21 To $0.23 Per Share; Board Approves $200M Increase To Existing Share Repurchase Authorization
📈 PositiveBenzinga•Oct 23, 2025, 10:44 AM
Keefe, Bruyette & Woods Maintains Outperform on Bread Finl Hldgs, Lowers Price Target to $71
➖ NeutralBenzinga•Oct 1, 2025, 05:02 PM
Evercore ISI Group Maintains In-Line on Bread Finl Hldgs, Lowers Price Target to $64
➖ NeutralBenzinga•Sep 30, 2025, 05:08 PM
Morgan Stanley Maintains Underweight on Bread Finl Hldgs, Raises Price Target to $53
➖ NeutralBenzinga•Sep 29, 2025, 04:52 PM
Frequently Asked Questions about BFH
What is BFH's current stock price?
Bread Financial Holdings, Inc. (BFH) is currently trading at $78.00 per share. The stock has moved +0.46% today.
What is the analyst price target for BFH?
The average analyst price target for BFH is $55.80, based on 1 analyst.
What sector is Bread Financial Holdings, Inc. in?
Bread Financial Holdings, Inc. operates in the Financial Services sector, specifically within the Financial - Credit Services industry. The company is traded on the NYSE exchange.
What is BFH's market cap?
Bread Financial Holdings, Inc. has a market capitalization of $3.56 billion, making it a mid-cap company.
Does BFH pay dividends?
No, Bread Financial Holdings, Inc. does not currently pay a dividend to shareholders.
Similar Stocks
Financial Services SectorBHF
Brighthouse Financial, Inc.
$64.91
Mkt Cap: $3.7B
ENVA
Enova International, Inc.
$163.85
Mkt Cap: $4.1B
ETOR
eToro Group Ltd.
$36.21
Mkt Cap: $3.0B
KMPR
Kemper Corporation
$40.79
Mkt Cap: $2.6B
NMIH
NMI Holdings, Inc.
$41.07
Mkt Cap: $3.2B
TBBK
The Bancorp, Inc.
$68.87
Mkt Cap: $3.2B
WSBC
WesBanco, Inc.
$34.80
Mkt Cap: $3.3B
WSFS
WSFS Financial Corporation
$57.41
Mkt Cap: $3.1B
WU
The Western Union Company
$9.56
Mkt Cap: $3.0B
Explore stocks similar to BFH for comparison