Bread Financial Holdings, Inc.
BFH · Price history
Price at last available close
$104.73
+$4.66 (+4.66%) 1M
2026-10-28
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Company & revenue
About Bread Financial Holdings, Inc.
Primary reporting period: 2025-12-31 · Research updated Oct 12, 2026. A research update is not a new financial filing.
Who they are
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.
How they make money
Bread Financial operates as a tech-forward financial services company that generates revenue primarily through net interest income on credit card and other loan portfolios, as well as non-interest income from interchange fees, late fees, and other service charges. The company provides personalized payment, lending, and saving solutions, including co-brand and private label credit cards and pay-over-time installment products.
Products & services
The company offers co-brand and private label credit cards, Bread Pay installment loans and split-pay offerings, and direct-to-consumer savings products.
Brands & revenue mix
Primary brand for credit card and savings products.
Separate brand revenue is not available in this research.Source
Brand for installment loan and split-pay offerings.
Separate brand revenue is not available in this research.Source
Banking subsidiary brand.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer concentration
The company's credit card business is concentrated in co-brand partnerships, where customer spending on co-brand credit cards comprised approximately 52% of credit sales for the year ended December 31, 2025.
Suppliers, materials & equipment
- Payment networks — The company relies on major payment networks to process credit card transactions.Source
Competitors
Strengths
Sources
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
55
Fair
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
58
Fair
Financial Strength
52
Business Quality / Moat
60
Management
90
Growth Quality
27
Risk / Durability
55
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
70
Fair
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
63/100
Building Historical Record
Model Score 63/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is mixed across its combined quality, valuation and risk inputs. Review the category scores to identify what is helping or hurting the result.
At today’s price, the WSS valuation framework currently reads as relatively attractive.
The model outlook is currently moderate.
- •Valuation scores attractively
- •Recent buyback activity is present
- •Debt service risk
- •Revenue fundamentals are weak
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for BFH
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can BFH maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •Is BFH's positive free cash flow repeatable, or is the current level being helped by temporary working-capital or spending changes?
- •Does BFH's balance between cash and debt leave enough flexibility if business conditions weaken?
- •Is BFH's valuation discount tied to a temporary concern or to a longer-term business risk?
Essential Investment Snapshot
Wall Street Score
55
Opportunity Score
70
Market Cap
$4.02B
P/E Ratio
7.9
EPS
$13.01
52-Week High
$114.53
52-Week Low
$59.26
Beta
1.15
Intrinsic Value
$173.70
Analyst Target
$115.00
Shares Outstanding
46.0M
Total Revenue
$4.75B
Total Debt
$3.29B
Dividend Yield (TTM)
0.88%
Liquidation Value / Share
$73.15
Dividend / Share (TTM)
$0.92
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Neutral / mixed momentum
Low movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for BFH
Detected from reported data — verify before acting.Dividend history reported
Dividend payments are recorded. Review the dates and regular/special classification below; past payments do not guarantee future dividends.
Historical repurchase activity
Reported cash flows or share-count measures indicate past repurchase activity. This does not verify an active buyback authorization or future purchases.
Debt service risk
Interest coverage is low (~0.7x). Earnings may be strained to cover interest expense.
Community Sentiment
0 active · 0 total callsNo personal call yet on BFH.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Strong capital levels and cash flow generation.
- +Tech-forward platform for personalized payment solutions.
- +Positive free cash flow may provide capacity to invest in growth.
Potential downside factors
- −Key risks may include competition, margin pressure, debt levels, valuation risk, and changes in demand within the Financial - Credit Services industry.
- −Credit risk associated with loan portfolios.
- −Dependence on co-brand retail partners.
- −Regulatory and compliance risks in financial services.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
6 historical score records availablePrevious Score
55
Oct 1, 2026
Change
+0.1
points
Current Score
55
Oct 23, 2026
Category Changes
BFH increased 0.1 points because overall fundamentals improved.
Projected Score
Projected Score
59
Projected Change
+4.2 points
Preliminary comparable-period financial changes suggest improvement of approximately 4.2 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
UndervaluedCurrent Price
$104.73
Model Intrinsic Value
$173.70
Difference
−$68.97
-39.7% vs IV
Margin of Safety
39.7%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $4.75B | $4.70B | $4.80B | $5.17B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Cost of Revenue | $1.71B | $1.72B | $2.36B | $2.11B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Gross Profit | $3.04B | $2.98B | $2.44B | $3.07B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| SG&A Expenses | $1.29B | $1.31B | $1.04B | $1.03B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Expenses | $2.36B | $2.36B | $2.06B | $2.10B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| EBITDA | $758.0M | $694.0M | $471.0M | $1.08B | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Operating Income | $683.0M | $614.0M | $381.0M | $968.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Interest Expense | $797.0M | $854.0M | $960.0M | $879.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Before Tax | $683.0M | $614.0M | $381.0M | $968.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Income Tax Expense | $115.0M | $92.0M | $102.0M | $231.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Net Income | $568.0M | $518.0M | $277.0M | $718.0M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic EPS | $13.01 | $11.13 | $5.58 | $14.42 | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Basic Shares | 39.90M | 44.90M | 49.60M | 49.80M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
| Diluted Shares | 40.70M | 46.00M | 50.40M | 50.00M | ···· | ···· | ···· | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$1.19B
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
$3.55
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
-22.3%
Cash Change
-3.1%
Margin Change
+0.2 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Margins expanded
- Debt reduced
What Weakened
- Cash position declined
Potential Score Impact
Positive indicators included revenue growth, EPS growth, debt levels, net income margin. Pressure indicators included cash levels. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue increased 3.4%. EPS increased 20.7%. Cash declined 3.1%. Total debt declined 22.3%. Net income margin improved by 0.2 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
7
Smart Money
7
Number of Gurus
1
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Log in to view dividend history.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
6 historical recordsHistorical Score Chart
3 of 6 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
Related Companies
Financial - Credit ServicesNews
Why Bread Financial Holdings (BFH) is a Top Momentum Stock for the Long-Term
Bread Financial Announces Launch of an Offering of Depositary Shares Representing Interests in Its Series C Preferred Stock
Bread Financial Series A Preferreds: Proximity To Par Partly Offsets High-Yield Appeal
What Bread Financial (BFH) Said on Its Q3 Earnings Call
Rumor Mill · BFH
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
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