Bread Financial Holdings, Inc.
BFH
NYSE·Financial Services·Financial - Credit Services·Mkt cap $4.5B
$110.87
▲ +1.91%
P/E
8.61
Mkt Cap
$4.5B
52-Wk Range
$53.83–$114.53
52-Week Range
$53.83 - $114.53
P/E
Fwd P/E
Beta
Div Yield
Avg Vol
Shares Out
Mkt Cap
Price action
Price chart
Up 69.1% 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
+21.3% over 3m
Quality
Excellent
Excellent business quality
Dividend
Modest
0.83% 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: Oct 22, 2026
JUL 23, 2026
Reported EPS of $3.55 vs $2.74 consensus (+29.6% surprise). Revenue of $993.0M vs $959.3M expected (+3.5%). Beat on both top and bottom lines.
EPS surprise · last 4Q
1 of 1 beats
Estimate
Actual
Q3 26
+29.6%
Revenue trend · last 8Q
—
-9%
-2%
-1%
-1%
+27%
+25%
+3%
Q3 24
Q4 24
Q1 25
Q2 25
Q3 25
Q4 25
Q1 26
Q2 26
$983.0M
$925.0M
$970.0M
$1.1B
$1.2B
$1.2B
$1.2B
$1.2B
Margins · last 8Q
Gross
57.2%
Operating
16.6%
Profit
12.3%
Wall Street consensus
9 analysts · 56% Buy
Live ratings and price targets aggregated across covering analysts.
Buy
56%
Hold
33%
Sell
11%
Median Price Target
—
Latest: UBS · Aug 3, 2026
vs Industry
How BFH stacks vs Financial - Credit Services
Stock metrics vs industry averages. Green = better than industry.
Industry comparison data unavailable for this stock.
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