Bread Financial Holdings, Inc. (BFH)

US — Financial Services Sector
Peers: SLM  IX  FCFS  MFIN  OPRT  EZPW  NAVI  ENVA    SLMBP  AGM-A  AGM-PC  DFS  ALLY  SYF-PA  WU 

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Key Metrics & Ratings

  • symbol BFH
  • Rev/Share 82.7143
  • Book/Share 62.6122
  • PB 0.835
  • Debt/Equity 0.0
  • CurrentRatio 0.0
  • ROIC 0.0335

 

  • MktCap 2433592176.0
  • FreeCF/Share 37.1837
  • PFCF 1.3357
  • PE 9.149
  • Debt/Assets 0.0
  • DivYield 0.0161
  • ROE 0.0903

 

  • Rating
  • Score
  • Recommendation
  • P/E Score
  • DCF Score
  • P/B Score
  • D/E Score

Recent Analyst Ratings

Type Ticker Analyst Firm Previous Rating Current Rating Previous Price Target Current Price Target Date
Downgrade BFH Morgan Stanley Overweight Underweight -- $33 April 7, 2025
Upgrade BFH Morgan Stanley Underweight Overweight $35 $76 Dec. 19, 2024

News

Bread Financial Announces Modified Dutch Auction Cash Tender Offer for 9.750% Senior Notes Due 2029
BFH
Published: May 21, 2025 by: GlobeNewsWire
Sentiment: Neutral

COLUMBUS, Ohio, May 21, 2025 (GLOBE NEWSWIRE) -- Bread Financial Holdings, Inc. (NYSE: BFH) (“Bread Financial” or the “Company”) today announced it has commenced a cash tender offer (the “Tender Offer”) to purchase up to $150.0 million (subject to increase, the “Tender Cap”) aggregate principal amount of its 9.750% Senior Notes maturing March 2029 (the “Notes”). The Tender Offer is being made on the terms and subject to the conditions set forth in the Offer to Purchase, dated May 21, 2025 (as it may be amended or supplemented, the “Offer to Purchase”).

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image for news Bread Financial Announces Modified Dutch Auction Cash Tender Offer for 9.750% Senior Notes Due 2029
Bread Financial's 2024 Sustainability Report showcases focus, investment in sustainable business practices
BFH
Published: May 12, 2025 by: GlobeNewsWire
Sentiment: Neutral

Twelfth annual report reinforces commitments and demonstrates ongoing progress toward sustainability strategy and related priorities Twelfth annual report reinforces commitments and demonstrates ongoing progress toward sustainability strategy and related priorities

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image for news Bread Financial's 2024 Sustainability Report showcases focus, investment in sustainable business practices
Banks are keeping credit card rates high even after the CFPB rule they blamed for high APRs was killed
BFH, C, SYF
Published: May 07, 2025 by: CNBC
Sentiment: Negative

Banks quickly raised interest rates to record levels and added new monthly fees on credit cards last year when a Consumer Financial Protection Bureau rule threatened a key revenue source for the industry. Now they're far more reluctant to reverse those steps, even after bank trade groups succeeded in killing the CFPB rule in federal court last month.

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image for news Banks are keeping credit card rates high even after the CFPB rule they blamed for high APRs was killed
Bread Financial, Bob Woodruff Foundation Announce Multiyear Mission to Improve Mental Health Care for Children in Military Families
BFH
Published: May 05, 2025 by: PRNewsWire
Sentiment: Neutral

Three-year, $3 million investment will focus on expanding care, training clinicians, and proven programs fostering wellness and social connection NEW YORK , May 5, 2025 /PRNewswire/ -- Bread Financial® (NYSE: BFH) and the Bob Woodruff Foundation announced today that the tech-forward financial services company and the leading nonprofit organization supporting veterans will embark on a multiyear mission to improve the mental health of children in military families. Bread Financial's $3 million investment over the next three years will build on the company's history of supporting the Bob Woodruff Foundation, including efforts focused on children and families of those who have …

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image for news Bread Financial, Bob Woodruff Foundation Announce Multiyear Mission to Improve Mental Health Care for Children in Military Families
Bread Financial Q1 Earnings, Revenues Top Estimates, Credit Sales Rise
BFH
Published: April 25, 2025 by: Zacks Investment Research
Sentiment: Neutral

BFH first-quarter results reflect higher credit sales, an increase in total interest income and a decline in total non-interest expenses.

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image for news Bread Financial Q1 Earnings, Revenues Top Estimates, Credit Sales Rise
Bread Financial Holdings, Inc. (BFH) Q1 2025 Earnings Call Transcript
BFH
Published: April 24, 2025 by: Seeking Alpha
Sentiment: Neutral

Bread Financial Holdings, Inc. (NYSE:BFH ) Q1 2025 Earnings Conference Call April 24, 2025 8:30 AM ET Company Participants Brian Vereb - Head-Investor Relations Ralph Andretta - President & Chief Executive Officer Perry Beberman - Executive Vice President & Chief Financial Officer Conference Call Participants Sanjay Sakhrani - KBW Moshe Orenbuch - TD Cowen Jeff Adelson - Morgan Stanley John Pancari - Evercore ISI Bill Carache - Wolfe Research Securities Terry Ma - Barclays Mihir Bhatia - Bank of America Vincent Caintic - BTIG Operator Good morning, and welcome to Bread Financial First Quarter 2025 Earnings Conference Call. My name …

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image for news Bread Financial Holdings, Inc. (BFH) Q1 2025 Earnings Call Transcript
Bread Financial (BFH) Surges 12.7%: Is This an Indication of Further Gains?
BFH
Published: April 10, 2025 by: Zacks Investment Research
Sentiment: Positive

Bread Financial (BFH) witnessed a jump in share price last session on above-average trading volume. The latest trend in earnings estimate revisions for the stock doesn't suggest further strength down the road.

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image for news Bread Financial (BFH) Surges 12.7%: Is This an Indication of Further Gains?
Bread Financial Provides Performance Update for January 2025
BFH
Published: February 11, 2025 by: GlobeNewsWire
Sentiment: Neutral

COLUMBUS, Ohio, Feb. 11, 2025 (GLOBE NEWSWIRE) -- Bread Financial ® Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions to millions of U.S. consumers, provided a performance update. The following tables present the Company's net loss rate and delinquency rate for the periods indicated:

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image for news Bread Financial Provides Performance Update for January 2025

About Bread Financial Holdings, Inc. (BFH)

  • IPO Date 2001-06-15
  • Website https://www.breadfinancial.com
  • Industry Financial - Credit Services
  • CEO Mr. Ralph J. Andretta
  • Employees 6000

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.