BFH

Bread Financial Holdings, Inc.
NYSEFINANCIAL SERVICESCREDIT SERVICES

Key Statistics

Market Cap
$3.89B
P/E Ratio
7.85
EPS
$12.90
Beta
1.18
52W High
$114.28
52W Low
$58.50
50-Day MA
$105.11
200-Day MA
$90.22
Dividend Yield
0.91%
Profit Margin
21.40%
Forward P/E
7.57
PEG Ratio
2.16

About Bread Financial Holdings, Inc.

Bread Financial Holdings Inc. provides lending and payment technology solutions to customers and consumer-based industries in North America. The company is headquartered in Columbus, Ohio.

Official WebsiteUSAFY End: December

Fundamentals

Revenue (TTM)$2.67B
Gross Profit (TTM)$2.67B
EBITDA$682.00M
Operating Margin29.00%
Return on Equity17.40%
Return on Assets2.57%
Revenue/Share (TTM)$61.26
Book Value$86.95
Price-to-Book1.13
Price-to-Sales (TTM)1.46
EV/Revenue1.797
EV/EBITDA6.08
Quarterly Earnings Growth (YoY)21.20%
Quarterly Revenue Growth (YoY)3.80%
Shares Outstanding$38.42M
Float$37.74M
% Insiders1.49%
% Institutions109.61%

Historical Volatility

HV 10-Day
28.67%
HV 20-Day
33.83%
HV 30-Day
30.44%
HV 60-Day
31.74%
HV Rank
13.9%

Volatility is currently contracting

Analyst Ratings

Consensus ($114.69 target)
1
Strong Buy
7
Buy
8
Hold
1
Strong Sell

Latest News

Bread Financial: Attractive At Current Levels

Bread Financial Holdings appears fundamentally undervalued, offering a compelling risk-reward profile versus peers and sector medians. BFH's core credit card business remains robust, while Bread Pay (BNPL) is rapidly scaling and poised to become a significant future value driver. Key financials show improving credit quality: net charge-off and delinquency rates are declining, while ROTCE remains industry-leading.

Seeking Alpha10/16/2026Positive
Bread Financial Schedules Third Quarter 2026 Earnings Conference Call for Oct. 22

COLUMBUS, Ohio, Oct. 06, 2026 (GLOBE NEWSWIRE) -- Bread Financial ® Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions will host a conference call on Thursday, Oct. 22, 2026, at 8:30 a.m. ET to discuss the company's third quarter 2026 results.

GlobeNewsWire10/6/2026Neutral
BFH or FUTU: Which Is the Better Value Stock Right Now?

Investors with an interest in Financial - Miscellaneous Services stocks have likely encountered both Bread Financial Holdings (BFH) and Futu Holdings Limited Sponsored ADR (FUTU). But which of these two stocks presents investors with the better value opportunity right now?

Zacks Investment Research10/5/2026Positive
BFH vs. FUTU: Which Stock Is the Better Value Option?

Investors looking for stocks in the Financial - Miscellaneous Services sector might want to consider either Bread Financial Holdings (BFH) or Futu Holdings Limited Sponsored ADR (FUTU). But which of these two stocks presents investors with the better value opportunity right now?

Zacks Investment Research9/17/2026Neutral

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Data last updated: 10/17/2026