Bread Financial Holdings, Inc. (BFH)
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- symbol BFH
- Rev/Share 104.6548
- Book/Share 74.098
- PB 0.9859
- Debt/Equity 1.2949
- CurrentRatio 1.459
- ROIC 0.0696
- MktCap 3331080073.0
- FreeCF/Share 44.4321
- PFCF 1.6697
- PE 6.3319
- Debt/Assets 0.1901
- DivYield 0.0118
- ROE 0.1609
- Rating A-
- Score 4
- Recommendation Buy
- P/E Score 4
- DCF Score 3
- P/B Score 3
- D/E Score 2
Recent Analyst Ratings
| Type | Ticker | Analyst Firm | Previous Rating | Current Rating | Previous Price Target | Current Price Target | Date |
|---|---|---|---|---|---|---|---|
| Initiation | BFH | UBS | -- | Buy | -- | $92 | Jan. 8, 2026 |
| Resumed | BFH | Wolfe Research | -- | Peer Perform | -- | -- | Dec. 8, 2025 |
| Downgrade | BFH | JP Morgan | Neutral | Underweight | -- | $72 | Dec. 4, 2025 |
| Upgrade | BFH | BTIG Research | Neutral | Buy | -- | $105 | July 14, 2025 |
| Downgrade | BFH | Morgan Stanley | Overweight | Underweight | -- | $33 | April 7, 2025 |
| Upgrade | BFH | Morgan Stanley | Underweight | Overweight | $35 | $76 | Dec. 19, 2024 |
News
Bread Financial to Participate in the Bank of America 2026 Financial Services Conference
Published: February 03, 2026 by: GlobeNewsWire
Sentiment: Neutral
COLUMBUS, Ohio, Feb. 03, 2026 (GLOBE NEWSWIRE) -- Bread Financial ® Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions, today announced the company's participation in the Bank of America 2026 Financial Services Conference on Tuesday, February 10.
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Bread Financial Q4 Earnings and Revenues Top Estimates, Rise Y/Y
Published: February 02, 2026 by: Zacks Investment Research
Sentiment: Positive
BFH crushed Q4 expectations as pricing gains and lower losses drove a 406% earnings surge, revenue growth, margin expansion and a higher dividend.
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Bread Financial Analysts Increase Their Forecasts Following Q4 Results
Published: January 30, 2026 by: Benzinga
Sentiment: Positive
Bread Financial Holdings, Inc. (NYSE: BFH) posted better-than-expected earnings for the fourth quarter on Thursday.
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Bread Financial Holdings, Inc. (BFH) Q4 2025 Earnings Call Transcript
Published: January 29, 2026 by: Seeking Alpha
Sentiment: Neutral
Bread Financial Holdings, Inc. (BFH) Q4 2025 Earnings Call Transcript
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Bread Financial (BFH) Q4 Earnings: Taking a Look at Key Metrics Versus Estimates
Published: January 29, 2026 by: Zacks Investment Research
Sentiment: Positive
Although the revenue and EPS for Bread Financial (BFH) give a sense of how its business performed in the quarter ended December 2025, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.
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Unlocking Q4 Potential of Bread Financial (BFH): Exploring Wall Street Estimates for Key Metrics
Published: January 28, 2026 by: Zacks Investment Research
Sentiment: Positive
Besides Wall Street's top-and-bottom-line estimates for Bread Financial (BFH), review projections for some of its key metrics to gain a deeper understanding of how the company might have fared during the quarter ended December 2025.
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BFH vs. BAM: Which Stock Should Value Investors Buy Now?
Published: January 26, 2026 by: Zacks Investment Research
Sentiment: Positive
Investors interested in stocks from the Financial - Miscellaneous Services sector have probably already heard of Bread Financial Holdings (BFH) and Brookfield Asset Management (BAM). But which of these two stocks presents investors with the better value opportunity right now?
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Is Bread Financial Poised for a Beat This Earnings Season?
Published: January 26, 2026 by: Zacks Investment Research
Sentiment: Positive
BFH's Q4 earnings may dip year over year despite stronger revenues but there are signs pointing to a potential beat on Jan. 29.
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Bread Financial Holdings (BFH) Expected to Beat Earnings Estimates: Can the Stock Move Higher?
Published: January 22, 2026 by: Zacks Investment Research
Sentiment: Positive
Bread Financial (BFH) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
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Will Bread Financial (BFH) Beat Estimates Again in Its Next Earnings Report?
Published: January 07, 2026 by: Zacks Investment Research
Sentiment: Positive
Bread Financial (BFH) has an impressive earnings surprise history and currently possesses the right combination of the two key ingredients for a likely beat in its next quarterly report.
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Here's Why Bread Financial Holdings (BFH) is a Strong Value Stock
Published: January 06, 2026 by: Zacks Investment Research
Sentiment: Positive
Whether you're a value, growth, or momentum investor, finding strong stocks becomes easier with the Zacks Style Scores, a top feature of the Zacks Premium research service.
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BFH Outperforms Industry, Trades Near 52-Week High: Time to Hold?
Published: January 02, 2026 by: Zacks Investment Research
Sentiment: Positive
Bread Financial is poised to gain from solid credit sales, proactive risk management, financial flexibility, prudent capital deployment and higher return on capital.
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Here's Why Bread Financial Holdings (BFH) is a Strong Momentum Stock
Published: December 31, 2025 by: Zacks Investment Research
Sentiment: Positive
Whether you're a value, growth, or momentum investor, finding strong stocks becomes easier with the Zacks Style Scores, a top feature of the Zacks Premium research service.
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BFH.PR.A: An 8.625% Preferred Stock IPO From Bread Financial Holdings
Published: December 24, 2025 by: Seeking Alpha
Sentiment: Positive
Bread Financial Holdings has issued 8.625% non-cumulative preferred stock (BFH.PR.A), currently yielding 8.75% and callable after December 15, 2030. BFH has persistently underperformed peers and benchmarks, with higher fixed-income credit spreads than their ratings suggest, reflecting elevated credit risk. Recent Fitch upgrades highlight improved liquidity and reduced leverage, but asset quality and earnings volatility remain constraints versus higher-rated peers.
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Is Bread Financial (BFH) Outperforming Other Finance Stocks This Year?
Published: December 22, 2025 by: Zacks Investment Research
Sentiment: Positive
Here is how Bread Financial Holdings (BFH) and Bank of Nova Scotia (BNS) have performed compared to their sector so far this year.
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Why Bread Financial Holdings (BFH) is a Top Value Stock for the Long-Term
Published: December 18, 2025 by: Zacks Investment Research
Sentiment: Positive
Whether you're a value, growth, or momentum investor, finding strong stocks becomes easier with the Zacks Style Scores, a top feature of the Zacks Premium research service.
Read More
Bread Financial Holdings, Inc. (BFH) Hits Fresh High: Is There Still Room to Run?
Published: December 17, 2025 by: Zacks Investment Research
Sentiment: Positive
Bread Financial (BFH) is at a 52-week high, but can investors hope for more gains in the future? We take a look at the company's fundamentals for clues.
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Bread Financial Holdings (BFH) is a Great Momentum Stock: Should You Buy?
Published: December 15, 2025 by: Zacks Investment Research
Sentiment: Positive
Does Bread Financial Holdings (BFH) have what it takes to be a top stock pick for momentum investors? Let's find out.
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BFH or AXP: Which Is the Better Value Stock Right Now?
Published: December 15, 2025 by: Zacks Investment Research
Sentiment: Neutral
Investors looking for stocks in the Financial - Miscellaneous Services sector might want to consider either Bread Financial Holdings (BFH) or American Express (AXP). But which of these two stocks presents investors with the better value opportunity right now?
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Ditch the Cash, Grab the Gains: Top Mobile Payment Stocks to Buy
Published: December 15, 2025 by: Zacks Investment Research
Sentiment: Positive
Mobile payments are booming, and Nu, ACI Worldwide and Bread Financial are leading the charge in fast, digital-first transactions.
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Despite Fast-paced Momentum, Bread Financial (BFH) Is Still a Bargain Stock
Published: December 15, 2025 by: Zacks Investment Research
Sentiment: Positive
Bread Financial (BFH) made it through our 'Fast-Paced Momentum at a Bargain' screen and could be a great choice for investors looking for stocks that have gained strong momentum recently but are still trading at reasonable prices.
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Why Bread Financial Holdings (BFH) is a Top Momentum Stock for the Long-Term
Published: December 11, 2025 by: Zacks Investment Research
Sentiment: Positive
The Zacks Style Scores offers investors a way to easily find top-rated stocks based on their investing style. Here's why you should take advantage.
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5 Mid-Cap Financial Technology Stocks to Buy on Recent Fed Rate Cut
Published: December 11, 2025 by: Zacks Investment Research
Sentiment: Positive
EVTC, ENVA, LC, OPFI and BFH are five mid-cap fintech names spotlighted after the Fed's rate cut as lower rates boost innovation and growth prospects across the sector.
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BFH vs. AXP: Which Stock Is the Better Value Option?
Published: November 28, 2025 by: Zacks Investment Research
Sentiment: Positive
Investors with an interest in Financial - Miscellaneous Services stocks have likely encountered both Bread Financial Holdings (BFH) and American Express (AXP). But which of these two stocks is more attractive to value investors?
Read More
Here's Why Bread Financial Holdings (BFH) is a Strong Value Stock
Published: November 28, 2025 by: Zacks Investment Research
Sentiment: Positive
Wondering how to pick strong, market-beating stocks for your investment portfolio? Look no further than the Zacks Style Scores.
Read More
Bread Financial (BFH) Is Attractively Priced Despite Fast-paced Momentum
Published: November 28, 2025 by: Zacks Investment Research
Sentiment: Positive
Bread Financial (BFH) could be a great choice for investors looking to buy stocks that have gained strong momentum recently but are still trading at reasonable prices. It is one of the several stocks that made it through our 'Fast-Paced Momentum at a Bargain' screen.
Read More
Bread Financial Holdings, Inc. (BFH) Hit a 52 Week High, Can the Run Continue?
Published: November 27, 2025 by: Zacks Investment Research
Sentiment: Positive
Bread Financial (BFH) is at a 52-week high, but can investors hope for more gains in the future? We take a look at the company's fundamentals for clues.
Read More
Bread Financial Announces Launch of an Offering of Depositary Shares Representing Interests in Its Series A Preferred Stock
Published: November 20, 2025 by: GlobeNewsWire
Sentiment: Neutral
COLUMBUS, Ohio, Nov. 20, 2025 (GLOBE NEWSWIRE) -- Bread Financial Holdings, Inc. (NYSE: BFH) (“Bread Financial” or the “Company”) announced today the launch of an underwritten public offering of depositary shares (the “Depositary Shares”), each representing a 1/40th interest in a share of its Non-Cumulative Perpetual Preferred Stock, Series A, par value $0.01 per share (the “Series A Preferred Stock”), with a liquidation preference of $25 per Depositary Share (equivalent to $1,000 per share of Series A Preferred Stock).
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Here's Why Bread Financial Holdings (BFH) is a Strong Momentum Stock
Published: November 18, 2025 by: Zacks Investment Research
Sentiment: Positive
Wondering how to pick strong, market-beating stocks for your investment portfolio? Look no further than the Zacks Style Scores.
Read More
BFH or AXP: Which Is the Better Value Stock Right Now?
Published: November 12, 2025 by: Zacks Investment Research
Sentiment: Neutral
Investors interested in Financial - Miscellaneous Services stocks are likely familiar with Bread Financial Holdings (BFH) and American Express (AXP). But which of these two stocks offers value investors a better bang for their buck right now?
Read More
About Bread Financial Holdings, Inc. (BFH)
- IPO Date 2001-06-15
- Website https://www.breadfinancial.com
- Industry Financial - Credit Services
- CEO Ralph J. Andretta
- Employees 6000