BFH Bread Financial Holdings, Inc. logo

BFH Bread Financial Holdings, Inc.

Financial Services
$89.00+0.00%OpenMarket Cap: $3.60B

As of 2026-05-26

Valuation

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P/E (TTM)

6.57

PEG

0.07

P/B

1.11

P/S

0.74

EV/EBITDA

5.20

DCF Value

$90.85

FCF Yield

62.2%

Div Yield

1.0%

Margins & Returns

Gross Margin

64.0%

Operating Margin

14.0%

Net Margin

11.9%

ROE

17.1%

ROA

2.5%

ROIC

2.5%

Financials

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PeriodRevenueNet IncomeEPS
Q1 null$1.21B$181.0M$
Q4 null$1.17B$53.0M$
FY null$4.70B$518.0M$
Q3 null$1.18B$188.0M$

Analyst Ratings

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Consensus

Hold

Target (Consensus)

$93.14

Target (Median)

$98.00

Target Range

$70.00 - $105.00

1 Strong Buy7 Buy8 Hold0 Sell2 Strong Sell
Evercore ISI GroupOutperform
2026-04-29
BarclaysUnderweight
2026-04-24
Keefe, Bruyette & WoodsOutperform
2026-04-24
TD CowenHold
2026-04-24
BTIGBuy
2026-04-23

Trading Activity

Insider Trades

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Fawcett John J.director
BuyFri May 22
BALLOU ROGER Hdirector
SellMon Apr 27
Gerspach John Cdirector
SellFri Apr 17
Driscoll Allegra Sofficer: EVP, Chief Technology Officer
SellWed Mar 04
Beberman Perry Sofficer: EVP, Chief Financial Officer
SellWed Mar 04

Company Info

Sector

Financial Services

Industry

Financial - Credit Services

Country

US

Exchange

Beta

1.15

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.

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