Bread Financial Holdings, Inc.
BFH
Positions held
Your positionsBFH isn't in your positions.
Add it to see shares, cost, and P&L here.
Bull / bear case
Site-generated summary from fundamentals, news, and score — not investment advice. As of 2026-10-08.
- Bread Financial Holdings operates in the credit services industry, which is experiencing a rebound as consumer spending increases post-pandemic.
- The company has a trailing P/E ratio of 7.58, indicating it may be undervalued compared to its peers.
- Earnings growth for the last year was 21.2%, showcasing strong profitability potential.
- The financial services sector is highly competitive, and Bread Financial faces significant pressure from larger players.
- Revenue decreased by 2% in the last quarter, dropping to $993 million from $1 billion.
- The stock has a 'Strong Sell' signal with a score of -16.00, indicating bearish market sentiment.
Fundamentals
| Market cap | $3.87B | Enterprise value | $3.47B | Trailing P/E | 7.81 | Forward P/E | 7.34 |
| PEG | 2.13 | Price / book | 1.16 | Beta | 1.18 | Dividend yield | 0.91% |
| Revenue growth | 3.8% | Earnings growth | 21.2% | Gross margin | 0.0% | Operating margin | 29.0% |
| Profit margin | 21.4% | ROE | 17.4% | ROA | 2.6% | Debt / equity | — |
| Current ratio | — | Free cash flow | — | Analyst recommendation | buy | Mean target | $115.00 |
| 52w high | $114.53 | 52w low | $53.83 |
Quarterly
| 2026-Q2 | 2026-Q1 | 2025-Q4 | 2025-Q3 | 2025-Q2 | 2025-Q1 | |
|---|---|---|---|---|---|---|
| Revenue | $993M | $1.0B | $975M | $971M | $929M | — |
| Op margin | — | — | — | — | — | — |
| Net income | $146M | $181M | $54.0M | $188M | $139M | — |
| Gross margin | — | — | — | — | — | — |
| Gross profit | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — |
- Revenue -2% vs prior quarter ($993M vs $1.0B).
Yearly (6y)
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| Revenue | $3.8B | $3.8B | $4.3B | $3.9B | — |
| Op margin | — | — | — | — | — |
| Net income | $518M | $277M | $718M | $223M | — |
| Gross margin | — | — | — | — | — |
| Gross profit | — | — | — | — | $2.1B |
| Operating income | — | — | — | — | $1.0B |
No flags
• No distress or material-risk keywords in recent headlines (keyword scan only — not a guarantee).
News
2026-10-09 · Bread Financial (BFH) Stock Could Be Below Fair Value Despite 231% Run
2026-10-06 · Bread Financial Schedules Third Quarter 2026 Earnings Conference Call for Oct. 22
2026-10-05 · 3 Small-Cap Stocks with Warning Signs
2026-10-05 · BFH or FUTU: Which Is the Better Value Stock Right Now?
2026-09-29 · Circle Expands Institutional USDC Push With Volante Technologies
2026-09-25 · Best Momentum Stocks to Buy for September 25th
2026-09-24 · Upstart Expands Partnership With Commonwealth Credit Union
2026-09-23 · Circle Secures $100M Binance Investment to Expand USDC Access
2026-09-22 · NerdWallet, Sezzle, Tradeweb Markets, and Bread Financial Shares Are Falling, What You Need To Know
2026-09-20 · Signet Jewelers (SIG) Swings to a Profit and Signs a Credit Deal Worth $1 Billion
2026-09-17 · BFH vs. FUTU: Which Stock Is the Better Value Option?
2026-09-17 · The Bull Case For Bread Financial (BFH) Could Change Following Expanded Credit Partnership With Signet
Price (daily)
Full chart · RSI · MACD · patterns