Menu
Live
Market Overview
Live indices, gainers & losers
Market Pulse
AI-curated live updates
Market Movers
Top gainers & losers by cap
Market Signals
Value, momentum & analyst signals
Smart Money
Insider & congress trades
Hedge Funds
What 63 elite funds bought & sold
52-Week Highs
Stocks breaking out to new highs
52-Week Lows
Beaten-down stocks near support
High Beta
Stocks that move more than the market
Earnings Calendar
Upcoming earnings dates
Daily
Research
Invest
LIVE
Bread Financial Holdings, Inc.
BFH
NYSE·Financial Services·Financial - Credit Services·Mkt cap $4.3B
$100.96
▼ -4.19%
View full research view
Our plain-language verdict, the thesis, risk factors, and what is changing about the business.
View research view52-Week Range
$53.83 - $109.91
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 76.0% over the trailing year
Total returns
Price performance
Total return across standard periods - splits & dividends adjusted by FMP. Periods longer than 1Y show annualized in the tooltip.
Why we rate it this way
The thesis at a glance
Bull and bear case · plain-English context across the five lenses we evaluate.
Bull Case
5 reasons
- Established relationships with 130+ private label and co-brand credit card programs representing major retail brands
- Proprietary technology platform with unified SDK and API suite enabling seamless merchant integration
- Diversified revenue streams reducing dependence on single business line or customer segment
- Scale advantages in credit risk assessment and underwriting through decades of data and analytics capabilities
- End-to-end solution offering from origination through servicing and collections
Bear Case
1 risk
- Average volatility.
Growth
Revenue decline expected
Premium gross margins (64%)
Value
Attractively priced below Digital Payments peer average
Momentum
Hot
+44.3% over 3m
Quality
Excellent
Exceptional business - top-tier fundamentals
Dividend
Modest
0.85% yield
Smart-money signal
Who's buying BFH right now
Insider Form 4s, 13F institutional filings, and Congressional disclosures - at a glance.
Earnings track record
Latest print - beat on both lines
AI-summarized recap of last quarter, plus the surprise on every print.
Next: Apr 22, 2026
APR 23, 2026
Reported EPS of $4.18 vs $3.00 consensus (+39.3% surprise). Revenue of $1.0B vs $993.6M expected (+2.5%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Q2 26
+39.3%
Next: Apr 22, 2026
Revenue trend · last 8Q
—
—
-9%
-2%
-1%
-1%
+27%
+25%
Q2 24
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
$939.0M
$983.0M
$925.0M
$970.0M
$1.1B
$1.2B
$1.2B
$1.2B
Margins · last 8Q
Gross
59.0%
Operating
20.1%
Profit
14.9%
Wall Street consensus
6 analysts · 50% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
50%
Hold
33%
Sell
17%
Median Price Target
$98.00
▼ -2.9% vs $100.96
Latest: BTIG · Jun 30, 2026
5 analysts covering