Bread Financial Holdings, Inc. (BFH) Stock Score, Valuation & Financial Research
Bread Financial Holdings, Inc. is in the Financial Services sector and Financial - Credit Services industry. It is reviewed using Wall Street Score's company-strength, valuation, growth and financial-health framework. The current Wall Street Score is 54/100.
Quick answer for BFH
Bread Financial Holdings, Inc. currently has a Wall Street Score of 54/100. The stored market price is $107.65. Its financial score is 28/100. Its valuation score is 97/100. The latest WSS change is -1.1 points. These figures are a research snapshot, not a buy or sell recommendation.
What Bread Financial Holdings, Inc. does
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
BFH financial snapshot
- Wall Street Score:
- 54/100
- Current price:
- $107.65
- Market capitalization:
- $4.35B
- Revenue:
- $4.75B
- Net income:
- $568.0M
- Free cash flow:
- $2.09B
- Cash:
- $3.68B
- Total debt:
- $3.29B
- EPS:
- 13.01
- P/E ratio:
- 8.3x
- Financial score:
- 28/100
- Valuation score:
- 97/100
- Revenue score:
- 30/100
What stands out
- Reported year-over-year revenue growth is +0.0%.
- Free cash flow is $2.09B, showing positive cash generation.
- The balance sheet shows $3.68B of cash versus $3.29B of total debt, leaving more cash than debt.
- The latest Wall Street Score change is -1.1 points: BFH decreased 1.1 points because Valuation declined by 4 points.
What the numbers mean
Its current valuation score is 97/100, which Wall Street Score classifies as strong within the model's valuation framework.
The financial score is 28/100. This is a starting point for reviewing liquidity, leverage and cash-flow strength rather than a stand-alone recommendation.
A strong company and an attractive stock price are not always the same thing. Revenue, earnings, free cash flow, debt, management quality, competitive advantage and valuation should be considered together. Wall Street Score organizes these inputs into a consistent research framework so investors can identify what deserves deeper review.
Data freshness: Financial data last refreshed 2026-09-09.
How to research BFH
Start by understanding how the company makes money. Then compare revenue and earnings trends, cash generation, debt, liquidity and valuation. Review the company's latest filings and earnings reports before acting on any score or model estimate.
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Data may change as company filings and market prices update. Educational research only; not a buy or sell recommendation.