BFH logo

BREAD FINANCIAL HOLDINGS INC

BFHNYSE
πŸ† #1249 by market capEarnings Oct 22US Equity
$108.01β–Ό $0.40 (βˆ’0.37%)
Market closed Β· at close
1hβ€”
24hβ–Ό 0.4%
7dβ–Ό 3.9%
14dβ–² 1.0%
30dβ–² 11.2%
1yβ–² 78.6%
🏦Market Cap
$4.15B
Small Cap
πŸ“ˆRevenue Growth (YoY)
-1.1%
Declining
πŸ“ŠGross Margin
92.9%
High
πŸ’΅FCF Margin
47.9%
Strong
βš–οΈP/S Ratio
0.9x
Cheap
Otter Score
65
Fair

Trading Snapshot

Day Range
$106.84 – $109.66
52-Week Range
$53.83 – $114.12
Volume
$3.82B
Avg Volume
$4.58B
Shares Outstanding
38.4M
Next Earnings
Sep 11, 2026

Fundamentals Snapshot

Annual Revenue
$4.70B
Last Q Revenue
$1.19B
P/E Ratio
7.3
P/S Ratio
0.9x
EPS (TTM)
$12.91
Dividend Yield
1.08%

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.

Financial Trends

Revenue (TTM)
$4.70Bβ–² +15.5% YoY
Gross Margin (TTM)
41.7%β–² +0.7% YoY
Operating Income (TTM)
$630Mβ–² +15.5% YoY
Free Cash Flow (TTM)
$493Mβ–² +15.5% YoY

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

β“˜
πŸ’ŽQualityβ˜…β˜…β˜…β˜…β˜…
πŸš€Growthβ˜…β˜…β˜…β˜…β˜…
βš–οΈValuationβ˜…β˜…β˜…β˜…β˜…
⚑Momentumβ˜…β˜…β˜…β˜…β˜…
Overall Score
Fair
65/100

Analyst Ratings

β“˜
Consensus
Buy
22 analysts
Strong Buy4
Buy7
Hold11
Sell0
Strong Sell0
Ratings as of Aug 2026

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