Bread Financial Holdings, Inc. BFH
- Market cap
- $3.9B
- P/E
- 8.0×
Follow BFH
Target Price Range
Analyst price targets
Free account| 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 140.97 | 166.80 | 113.79 | 79.17 | 16.37 | 52.10 | 28.85 | 23.19 | 28.00 | 38.21 |
Analyst estimates 2026–2028 Powerpack |
Low Price
|
||
| 220.22 | 212.49 | 222.13 | 146.01 | 92.27 | 102.28 | 75.60 | 44.52 | 66.71 | 78.98 |
High Price
|
|||
| 17,000 | 20,000 | 20,000 | 8,500 | 8,000 | 6,000 | 7,500 | 7,000 | 6,000 | 6,000 |
Employees
|
|||
| 0 | 0 | 0 | 1 | 0 | 1 | 1 | 1 | 1 | 1 |
Revenue/Emp
|
|||
| 7,138 | 5,475 | 5,667 | 4,688 | 3,797 | 3,645 | 4,329 | 4,938 | 4,787 | 4,696 |
Revenue
|
|||
| 40.08% | 54.89% | 55.23% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
Gross Margin
|
|||
| 837 | 1,063 | 1,215 | 662 | 301 | 1,044 | 300 | 968 | 381 | 615 |
EBT
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|||
| 11.73% | 19.41% | 21.44% | 14.12% | 7.93% | 28.64% | 6.93% | 19.60% | 7.96% | 13.10% |
EBT Margin
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| 518 | 789 | 963 | 278 | 214 | 801 | 223 | 718 | 277 | 518 |
Net Income
|
|||
| 547 | 542 | 535 | 533 | 294 | 229 | 223 | 234 | 203 | 171 |
Depreciation
|
|||
| 121.81 | 98.29 | 103.22 | 93.76 | 79.44 | 73.34 | 86.75 | 99.16 | 96.51 | 100.34 |
Revenue/Sh
|
|||
| 7.37 | 14.17 | 17.56 | 6.02 | 4.47 | 16.09 | 4.47 | 14.39 | 5.58 | 11.07 |
Earnings/Sh
|
|||
| 36.30 | 46.66 | 50.18 | 24.36 | 39.39 | 31.05 | 37.03 | 39.90 | 37.48 | 44.70 |
Cash Flow/Sh
|
|||
| (3.53) | (4.05) | (3.64) | (2.84) | (1.13) | (1.61) | (1.44) | (0.96) | (0.73) | (0.51) |
Capex/Sh
|
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| 32.77 | 42.62 | 46.54 | 21.52 | 38.26 | 29.44 | 35.59 | 38.94 | 36.75 | 44.19 |
Free CF/Sh
|
|||
| 28.30 | 33.31 | 42.48 | 31.77 | 31.84 | 41.97 | 45.39 | 58.59 | 61.51 | 71.09 |
Book Value/Sh
|
|||
| 59 | 56 | 55 | 50 | 48 | 50 | 50 | 50 | 50 | 47 |
Shares
|
|||
| 25.34 | 14.35 | 6.81 | 14.90 | 13.20 | 4.13 | 8.49 | 2.30 | 10.92 | 6.77 |
PE Ratio
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| 1.53 | 2.07 | 1.16 | 0.96 | 0.74 | 0.91 | 0.44 | 0.33 | 0.63 | 0.74 |
PS Ratio
|
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| 6.57 | 6.12 | 2.82 | 2.82 | 1.86 | 1.59 | 0.84 | 0.56 | 0.99 | 1.04 |
PB Ratio
|
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| 4.20 | 6.02 | 4.93 | 4.88 | 2.25 | 2.11 | 1.39 | (2.77) | (2.45) | (2.67) |
EV/Sales
|
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| 15.62 | 13.89 | 10.93 | 21.27 | 4.67 | 5.26 | 3.38 | (7.04) | (6.44) | (6.06) |
EV/FCF
|
|||
| 2,127 | 2,599 | 2,755 | 1,218 | 1,883 | 1,543 | 1,848 | 1,987 | 1,859 | 2,092 |
Op' Cash Flow
|
|||
| (207) | (225) | (200) | (142) | (54) | (80) | (72) | (48) | (36) | (24) |
Capex
|
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| 1,920 | 2,374 | 2,555 | 1,076 | 1,829 | 1,463 | 1,776 | 1,939 | 1,823 | 2,068 |
FCF
|
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| 10,360 | 14,559 | 13,228 | 12,241 | 2,069 | 2,133 | 2,851 | 3,077 | 2,694 | 2,965 |
Working Cap'
|
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| 20,949 | 25,818 | 25,171 | 22,286 | 8,516 | 7,439 | 8,007 | 5,292 | 5,557 | 4,308 |
Total Debt
|
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| 19,090 | 21,628 | 21,353 | 18,411 | 5,720 | 4,393 | 4,116 | (15,303) | (14,777) | (15,995) |
Net Debt
|
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| 1,658 | 1,855 | 2,332 | 1,588 | 1,522 | 2,086 | 2,265 | 2,918 | 3,051 | 3,327 |
Sh' Equity
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| 2.16% | 2.81% | 3.15% | 0.95% | 0.87% | 3.62% | 0.95% | 2.96% | 1.20% | 2.27% |
ROA
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| 3.81% | 4.04% | 4.64% | 11.46% | 25.36% | 26.35% | 31.90% | 0.00% | 0.00% | 0.00% |
ROIC
|
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| 28.12% | 44.90% | 46.00% | 13.72% | 13.76% | 44.40% | 10.25% | 27.71% | 9.28% | 16.24% |
ROE
|
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Bread Financial Holdings, Inc. peers in Credit Services
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|---|---|---|---|
| SEZL Sezzle Inc. | $3.8B | 23.6× | Compare |
| ENVA Enova International, Inc. | $4.3B | 12.1× | Compare |
| SLM SLM Corporation | $4.3B | 6.5× | Compare |
| NNI Nelnet, Inc. | $4.5B | 14.9× | Compare |
| Company | Market cap | P/E | Compare |
|---|---|---|---|
| KLAR Klarna Group plc | $4.9B | 0.0× | Compare |
| CACC Credit Acceptance Corporation | $5.7B | 12.0× | Compare |
| UPST Upstart Holdings, Inc. | $2.4B | 38.4× | Compare |
| OMF OneMain Holdings, Inc. | $6.5B | 8.6× | Compare |
Bread Financial Holdings, Inc. (BFH) key facts
- Bread Financial Holdings, Inc. (BFH) is a Credit Services company in the Financial sector, listed on the New York Stock Exchange.
- Bread Financial Holdings, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $4.7 billion, down 1.90% from fiscal 2024.
- As of September 25, 2026, BFH traded at $102.91, a market capitalization of $3.9 billion.
- Bread Financial Holdings, Inc. pays an annual dividend of $0.84 per share, a yield of 2.42%, with a payout ratio of 7.56%.
- Return on equity was 16.2% and debt-to-equity 0.98.
Bread Financial Holdings, Inc. (BFH) Latest News
20 Sep
Signet Jewelers reported Q2 net income of $52 million, reversing a year-ago loss; adjusted EPS $2.19 vs $1.72 expected, lifting shares up about 24%. Revenue declined slightly to $1.53 billion, with same-store sales up 2.2% and positive momentum across Kay, Zales, Jared, and Blue Nile as demand improves and margins expand (adjusted operating margin up 140 basis points to 7%). The company raised full-year guidance for a second time and announced a $125 million accelerated share repurchase. Signet extended its consumer-credit partnership with Bread Financial through 2035 under new profit-sharing terms expected to create over $1 billion of incremental value over time. While fashion jewelry demand remains uneven and revenue is flat, margin gains support a higher earnings outlook and stronger profitability driving investor sentiment. Extended Bread Financial partnership through 2035 with new profit-sharing terms could materially boost Bread Financial's revenue and profitability over time.
17 Sep
Bread Financial expanded its credit partnership with Signet, an event that could alter the prior bullish outlook for the company. Expanded credit partnership with Signet constitutes a major strategic move likely to alter Bread Financial's trajectory and investor sentiment.
10 Sep
Bread Financial (NYSE:BFH) outperformed other credit card stocks with its Q2 earnings results. Q2 earnings outperformance versus peers signals stronger financial results and positive market positioning.
26 Aug
Bread Financial Holdings launches NFL Extra Points American Express credit card to expand fan rewards and co-branded offerings. New NFL credit card partnership moderately boosts brand visibility and customer segments without major operational shifts.
25 Jul
Bread Financial Holdings (BFH) beat earnings expectations, raising questions on whether shares are fully valued. Earnings beat indicates improved financial results that may influence near-term stock performance and sentiment.
24 Jul
BFH Q2 earnings beat estimates on solid credit sales with revenues rising year-over-year. Q2 earnings beat and revenue growth indicate improved operational results likely to support near-term stock performance.
Bread Financial Holdings reported Q2 loan growth alongside stable credit performance and a key deposit milestone that supported overall results. Q2 loan growth and deposit milestone point to improved operational metrics that can influence near-term financial results.
Bread Financial Holdings held its Q2 2026 earnings call detailing quarterly financial results, operational metrics and forward outlook. Quarterly earnings data supplies updated financial metrics that shape near-term investor expectations and valuation.
23 Jul
Bread Financial Holdings, Inc. (BFH) held its Q2 2026 earnings call, covering financial results, performance metrics, and strategic outlook. Earnings results and guidance can significantly alter BFH trajectory and investor sentiment.
Bread Financial Holdings Inc (BFH) posted strong growth in its Q2 2026 earnings call amid ongoing operations. Strong growth reported in earnings call signals major positive shift in financial trajectory and investor outlook.
Bread Financial Holdings, Inc. released its second quarter 2026 financial results. Quarterly earnings releases deliver key financial metrics that directly shape market perceptions and company valuation.
Bread Financial Holdings reported Q2 results during its earnings call, covering financial performance metrics, operational updates, and forward guidance. Quarterly earnings updates and guidance typically deliver moderate influence on near-term stock movement and sentiment without guaranteeing major strategic shifts.
Bread Financial Holdings reported upbeat Q2 CY2026 results. Upbeat quarterly results may boost near-term investor sentiment and stock performance.
Bread Financial Holdings (BFH) Q2 earnings and revenues beat estimates. Q2 beat offers moderate short-term lift to performance and sentiment without shifting long-term trajectory.
22 Jul
BFH earnings preview highlights key metrics to monitor including revenue, EPS, credit loss provisions and net interest margins ahead of upcoming quarterly results. Earnings preview offers moderate insight into near-term performance without altering long-term strategy or competitive position.
14 Jul
Bread Financial Holdings, Inc. announces executive leadership changes. Leadership transitions can shift strategy and operations but rarely transform company trajectory.
29 Jun
Rate cuts and regional bank exposure are factors AVUV investors must monitor in relation to Bread Financial Holdings (BFH) holdings and potential effects on performance. Rate cuts combined with regional bank exposure can affect BFH credit metrics and near-term valuation.
19 Jun
Bread Financial Holdings, Inc. (BFH) rating upgraded to Strong Buy. Strong Buy rating upgrade may lift near-term investor sentiment and share price for BFH.
17 Jun
Bread Financial Holdings shows a genuine recovery but faces questions over whether easy gains have ended. Recovery analysis points to moderate effects on future performance and sentiment.
4 Jun
Bread Financial revises targets and provides partnership updates indicating a shift in strategy and outlook. Revised targets and partnership updates are expected to moderately influence Bread Financial's performance and positioning.
16 May
BFH faces two major risks that threaten its stability and outlook, leading to a direct recommendation to buy an alternative stock instead. Outlined risks could moderately sway investor sentiment and near-term share performance for BFH.
14 May
Bread Financial Holdings, Inc. (NYSE:BFH) reported the strongest Q1 results from its Credit Card Group. Strongest Q1 credit card results boost financial performance and investor sentiment significantly.
5 May
Bread Financial Holdings, Inc. (BFH) announced the pricing of an offering of depositary shares representing interests in its Series B Preferred Stock. Pricing a preferred stock offering raises capital that significantly strengthens the balance sheet and influences investor sentiment.
Bread Financial Holdings, Inc. (BFH) announced the launch of an offering of depositary shares representing interests in its Series B Preferred Stock. BFH's preferred stock offering represents a major capital-raising strategy to bolster its balance sheet and financial flexibility.
27 Apr
Bread Financial Holdings, Inc. (BFH) Q1 earnings beat estimates, driven by higher credit sales. Q1 earnings beat on higher credit sales boosts financial performance and investor sentiment significantly.
25 Apr
Bread Financial Holdings, Inc. (BFH) shares fell sharply today due to disappointing quarterly results and lowered guidance. Weak earnings and guidance cuts pressure financial performance and investor confidence moderately.
24 Apr
Bread Financial Holdings, Inc. (BFH) posted Q1 growth driven by partner expansions and strong credit quality, countering cautious consumer trends. Partner expansions and credit quality improvements signal major strategic progress boosting BFH's growth trajectory.
Bread Financial Holdings Inc (BFH) reported strong growth in Q1 2026 earnings call highlights amid ongoing challenges. Strong Q1 2026 growth in earnings call highlights signals significant positive impact on BFH's financial trajectory and investor sentiment.
23 Apr
Bread Financial Holdings, Inc. (BFH) released highlights from its Q1 earnings call, covering financial performance, strategic updates, and forward guidance. Q1 earnings call highlights detail financial results and outlook, significantly influencing BFH's market performance and investor sentiment.
Bread Financial Holdings, Inc. (BFH) released Q1 2026 earnings call summary highlighting quarterly financial results, guidance, and strategic updates. Q1 earnings call summary provides key financial metrics and forward guidance that significantly influence BFH's market performance and investor outlook.