Bread Financial Holdings, Inc. (BFH)
- Previous Close
48.15 - Open
48.04 - Bid 47.85 x 800
- Ask --
- Day's Range
47.10 - 48.76 - 52 Week Range
36.31 - 66.71 - Volume
701,888 - Avg. Volume
1,076,283 - Market Cap (intraday)
2.252B - Beta (5Y Monthly) 1.61
- PE Ratio (TTM)
8.54 - EPS (TTM)
5.67 - Earnings Date Jul 23, 2025 - Jul 28, 2025
- Forward Dividend & Yield 0.84 (1.73%)
- Ex-Dividend Date May 9, 2025
- 1y Target Est
57.14
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 private label and co-brand credit card programs, as well as through Bread partnerships; 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 installment loans and 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. It offers its products under the Bread, Bread Financial, Bread Cashback, Bread Rewards, Bread Pay, and Bread Savings brands. 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 incorporated in 1995 and is headquartered in Columbus, Ohio.
www.breadfinancial.com6,000
Full Time Employees
December 31
Fiscal Year Ends
Sector
Industry
Recent News: BFH
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Performance Overview: BFH
Trailing total returns as of 4/29/2025, which may include dividends or other distributions. Benchmark is S&P 500 (^GSPC) .
YTD Return
1-Year Return
3-Year Return
5-Year Return
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Statistics: BFH
View MoreValuation Measures
Market Cap
2.25B
Enterprise Value
--
Trailing P/E
8.54
Forward P/E
7.54
PEG Ratio (5yr expected)
1.54
Price/Sales (ttm)
0.64
Price/Book (mrq)
0.73
Enterprise Value/Revenue
1.93
Enterprise Value/EBITDA
--
Financial Highlights
Profitability and Income Statement
Profit Margin
11.49%
Return on Assets (ttm)
1.28%
Return on Equity (ttm)
9.38%
Revenue (ttm)
2.44B
Net Income Avi to Common (ttm)
286M
Diluted EPS (ttm)
5.67
Balance Sheet and Cash Flow
Total Cash (mrq)
4.21B
Total Debt/Equity (mrq)
--
Levered Free Cash Flow (ttm)
--
Research Analysis: BFH
View MoreResearch Reports: BFH
View MoreBread Earnings: Solid Results but Weak Credit Quality Still a Headwind to Growth and Earnings
Formed by a combination of JCPenney’s credit card processing unit and The Limited’s credit card bank business, Bread Financial is a provider of private-label and co-branded credit cards, loyalty programs, and marketing services. The company’s most financially significant unit is its credit card business that partners with retailers to jointly market Bread’s credit cards to their customers. The company also retains a minority interest in spun-off LoyaltyOne, which operates the largest airline miles loyalty program in Canada and offers marketing services to grocery chains in Europe and Asia.
RatingPrice TargetRaising target price to $61.00
BREAD FINANCIAL HOLDINGS INC has an Investment Rating of BUY; a target price of $61.000000; an Industry Subrating of High; a Management Subrating of Medium; a Safety Subrating of Medium; a Financial Strength Subrating of High; a Growth Subrating of Medium; and a Value Subrating of High.
RatingPrice TargetRaising target price to $59.00
BREAD FINANCIAL HOLDINGS INC has an Investment Rating of BUY; a target price of $59.000000; an Industry Subrating of High; a Management Subrating of Medium; a Safety Subrating of Medium; a Financial Strength Subrating of High; a Growth Subrating of High; and a Value Subrating of High.
RatingPrice TargetCredit Costs Will Remain a Headwind for Bread in 2025, but Credit Trends Point to Stabilization
Formed by a combination of JCPenney’s credit card processing unit and The Limited’s credit card bank business, Bread Financial is a provider of private-label and co-branded credit cards, loyalty programs, and marketing services. The company’s most financially significant unit is its credit card business that partners with retailers to jointly market Bread’s credit cards to their customers. The company also retains a minority interest in spun-off LoyaltyOne, which operates the largest airline miles loyalty program in Canada and offers marketing services to grocery chains in Europe and Asia.
RatingPrice Target