
BREAD FINANCIAL HOLDINGS INC
BFHNYSETrading Snapshot
- Day Range
- $106.84 β $109.66
- 52-Week Range
- $53.83 β $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
- βHigh-growth profile β revenue up +12.3% YoY with expanding US Equity exposure.
- βHealthy economics β 42% gross margin and 11% free-cash-flow margin.
- βNew products and segments could unlock additional revenue streams.
Execution delays, intensifying competition, and valuation compression if growth decelerates.
Financial Trends
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.
Otter Score Breakdown
βAnalyst Ratings
βLatest News & Updates

Bread Financial: 8.6% Yield Opportunity On Series A Preferred Shares
Bread Financial (BFH) Series A preferreds (BFH.PA) yield 8.6% with strong margins and deposit growthΓ’ΒΒan income-focused alternative after the stock rally.
Bread Financial Holdings (BFH) Price Target Increased by 21.19% to 117.69
UBS Maintains Buy on Bread Financial Holdings, Raises Price Target to $127
UBS analyst Nicholas Holowko maintains Bread Financial Holdings (NYSE:BFH) with a Buy and raises the price target from $120 to $127.
Evercore ISI Group Maintains Outperform on Bread Financial Holdings, Raises Price Target to $120
Evercore ISI Group analyst John Pancari maintains Bread Financial Holdings (NYSE:BFH) with a Outperform and raises the price target from $116 to $120.
TD Cowen Maintains Hold on Bread Financial Holdings, Raises Price Target to $114
TD Cowen analyst Moshe Orenbuch maintains Bread Financial Holdings (NYSE:BFH) with a Hold and raises the price target from $103 to $114.
RBC Capital Reiterates Sector Perform on Bread Financial Holdings, Maintains $115 Price Target
RBC Capital analyst Jon G. Arfstrom reiterates Bread Financial Holdings (NYSE:BFH) with a Sector Perform and maintains $115 price target.