Bread Financial Holdings, Inc. (BFH)

US — Financial Services Sector
Peers: WU  ENVA  WSBC  NMIH  BHF  WSFS  TBBK  ETOR  KMPR 

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Key Metrics & Ratings

  • 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 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 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.