BREAD FINANCIAL HOLDINGS INC
BFHNYSETrading Snapshot
- Day Range
- $951.02 β $976.17
- 52-Week Range
- $53.83 β $114.53
- Volume
- $3.82B
- Avg Volume
- $4.58B
- Shares Outstanding
- 40.4M
- Next Earnings
- Oct 29, 2026
Fundamentals Snapshot
- Annual Revenue
- $4.70B
- Last Q Revenue
- $1.19B
- P/E Ratio
- 7.8
- P/S Ratio
- 0.9x
- EPS (TTM)
- $14.24
- Dividend Yield
- 0.91%
- Dilution (1yr)
- β8.7%
Why Investors Own BFH
- βHigh-growth profile β revenue up +12.3% YoY with expanding US Equity exposure.
- βHealthy economics β 42% gross margin and 11% free-cash-flow margin.
- βNew products and segments could unlock additional revenue streams.
Execution delays, intensifying competition, and valuation compression if growth decelerates.
BREAD FINANCIAL HOLDINGS INC
BFHAbout BREAD FINANCIAL HOLDINGS INC
Bread Financial Holdings, Inc. offers cutting-edge payment and credit solutions to consumers and various industries throughout North America. Their services include comprehensive financing for credit cards and other loans, which involves managing risk, originating accounts, and providing funding for approximately 130 private label and co-branded credit card programs. They also support around 500 small and medium-sized businesses through their Bread partnerships and issue Comenity-branded general purpose cash-back credit cards. The company is responsible for administering and overseeing all loans it generates, covering private label, co-brand, and general-purpose credit card portfolios, as well as its Bread BNPL (Buy Now Pay Later) products, which include installment and split-pay options. Beyond lending, they provide marketing, data, and analytics services. Their enhanced digital toolkit features a unified Software Development Kit (SDK), allowing seamless integration with their product range and encouraging the presentation of credit payment choices earlier in the retail journey. Additionally, the Bread digital payments platform, powered by a comprehensive suite of application programming interfaces (APIs), empowers merchants and partners to readily incorporate online point-of-sale financing, such as installment and split-pay solutions. Established in Columbus, Ohio in 1996, the company was formerly known as Alliance Data Systems Corporation until it rebranded as Bread Financial Holdings, Inc. in March 2022.
Otter Score Breakdown
How it's scoredFive components, each rated 1β5β and equally weighted (20%), averaged to a 0β100 score:π Quality β gross marginπ Growth β revenue YoYβοΈ Valuation β P/S ratioβ‘ Momentum β 30-day price changeπ§ Dilution β 1-yr share issuance (buybacks score higher)Analyst Price Target
βLatest News & Updates
BREAD FINANCIAL HOLDINGS INC tops quarterly estimates as demand accelerates
Revenue grew double digits with management guiding above consensus; margins continued to expand.
Analysts lift BFH price targets on improving margins
Several firms raised targets, citing stronger free cash flow and a healthier backlog.
BREAD FINANCIAL HOLDINGS INC announces new agreement to expand its footprint
The move broadens the companyβs reach and could add incremental revenue over the next year.