BFH logo

BREAD FINANCIAL HOLDINGS INC

BFHNYSE
πŸ† #1480 by market capUS Equity
$961.48β–² $67.11 (+6.98%)
Simulated price
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24hβ–² 7.0%
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🏦Market Cap
$4.09B
Small Cap
πŸ“ˆRevenue Growth (YoY)
-2.1%
Declining
πŸ“ŠGross Margin
64.0%
High
πŸ’΅FCF Margin
46.0%
Strong
βš–οΈP/S Ratio
0.9x
Cheap
Otter Score
64
Fair
No chart data available for BFH.

Trading Snapshot

Day Range
$951.02 – $976.17
52-Week Range
$53.83 – $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)
βˆ’8.7%

Why Investors Own BFH

  • βœ“High-growth profile β€” revenue up +12.3% YoY with expanding US Equity exposure.
  • βœ“Healthy economics β€” 42% gross margin and 11% free-cash-flow margin.
  • βœ“New products and segments could unlock additional revenue streams.
⚠️ Key Risks

Execution delays, intensifying competition, and valuation compression if growth decelerates.

BFH logo

BREAD FINANCIAL HOLDINGS INC

BFH
Financial Trends
RevenueThe total money the company brought in from sales, before subtracting any costs.
$4.7Bβ–Ό βˆ’2.1% YoY
Gross MarginOf every $1 of sales, how much is left after the direct cost of making the product/service. Higher = more efficient.
63.3%β–² +24.5% YoY
Operating IncomeProfit from the core business after operating costs, but before interest and taxes. Negative means the core business isn’t profitable yet.
$614Mβ–² +61.2% YoY
Free Cash FlowCash left over after running the business and paying for equipment/capex. Negative means the company is burning cash.
$2.1Bβ–² +12.5% YoY
Shares OutstandingHow many shares exist. Rising means the company is issuing more shares, which dilutes (shrinks) each existing owner’s slice.
46.0Mβ–Ό βˆ’8.7% YoY
Net CashCash minus total debt. Positive = more cash than debt (financially strong); negative = more debt than cash (net debt).
βˆ’$789Mβ–² +$1.2B YoY
StockOtter Β· stockotter.space

About 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.

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Otter Score Breakdown

How it's scoredFive components, each rated 1–5β˜… and equally weighted (20%), averaged to a 0–100 score:πŸ’Ž Quality β€” gross marginπŸš€ Growth β€” revenue YoYβš–οΈ Valuation β€” P/S ratio⚑ Momentum β€” 30-day price changeπŸ’§ Dilution β€” 1-yr share issuance (buybacks score higher)
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
πŸ’§Dilutionβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
64/100

Analyst Price Target

β“˜
Average Target
$1,204.64
β–² +25.3% Upside
High Target$1,424.45
Low Target$1,035.28
Based on 29 analysts

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