(BFH) Bread Financial Holdings - Overview
Sector: Financial Services | Industry: Credit Services | Exchange: NYSE (USA) | Market Cap: 3.330m USD | Total Return: 86.2% in 12m
Credit Cards, Loans, Payments, Banking
Total Rating 53
Safety 32
Buy Signal 0.91
Credit Services
Industry Rotation: +4.0
Industry Rotation: +4.0
Market Cap:
3.33B
Avg Turnover: 45.2M USD
Avg Turnover: 45.2M USD
ATR:
3.78%
Peers RS (IBD): 88.3
Peers RS (IBD): 88.3
Risk 5d forecast
Volatility47.1%
Rel. Tail Risk-7.62%
Reward TTM
Sharpe Ratio1.53
Alpha32.80
Character TTM
Beta1.720
Beta Downside2.799
Drawdowns 3y
Max DD36.66%
CAGR/Max DD1.24
EPS (Earnings per Share)
EPS CAGR: -2.15%
EPS Trend: 16.0%
EPS Trend: 16.0%
Last SUE: -3.55
Qual. Beats: 0
Qual. Beats: 0
Revenue
Rev. CAGR: 6.69%
Rev. Trend: 41.7%
Rev. Trend: 41.7%
Last SUE: 4.00
Qual. Beats: 4
Qual. Beats: 4
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Description: BFH Bread Financial Holdings
Bread Financial Holdings, Inc. (BFH) provides payment and lending solutions, primarily through credit card and loan financing services. These services include risk management, underwriting, and funding for private label and co-brand credit card programs. The company also manages and services these loans.
BFH operates in the consumer finance sector, which is characterized by direct lending to consumers. Its business model integrates digital solutions, such as its Bread Pay platform, to offer online point-of-sale financing and other digital payment products. This approach aligns with the broader trend of digitalization within financial services.
Additionally, BFH offers retail and deposit products, including certificates of deposit and high-yield savings accounts. This diversification into deposit products is common among financial institutions to fund lending activities.
To gain further insights, consider exploring ValueRay for detailed financial analysis.
- Credit card loan growth drives revenue expansion
- Interest rate changes impact net interest margin
- Consumer spending trends affect credit card usage
- Loan loss provisions rise with economic downturn
- Regulatory scrutiny on lending practices increases compliance costs
Piotroski VR‑10 (Strict)
7.0
| Net Income: 518.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.09 > 0.02 and ΔFCF/TA 1.07 > 1.0 |
| NWC/Revenue: -228.5% < 20% (prev -206.8%; Δ -21.66% < -1%) |
| CFO/TA 0.09 > 3% & CFO 2.09b > Net Income 518.0m |
| Net Debt (789.0m) to EBITDA (694.0m): 1.14 < 3 |
| Current Ratio: 0.27 > 1.5 & < 3 |
| Outstanding Shares: last quarter (46.0m) vs 12m ago -8.73% < -2% |
| Gross Margin: 63.33% > 18% (prev 0.51%; Δ 6.28k% > 0.5%) |
| Asset Turnover: 20.63% > 50% (prev 20.96%; Δ -0.33% > 0%) |
| Interest Coverage Ratio: 0.72 > 6 (EBITDA TTM 694.0m / Interest Expense TTM 854.0m) |
Altman Z''
-2.64
| A: -0.47 (Total Current Assets 3.95b - Total Current Liabilities 14.68b) / Total Assets 22.66b |
| B: 0.07 (Retained Earnings 1.48b / Total Assets 22.66b) |
| C: 0.03 (EBIT TTM 614.0m / Avg Total Assets 22.78b) |
| D: 0.08 (Book Value of Equity 1.46b / Total Liabilities 19.34b) |
| Altman-Z'' Score: -2.64 = D |
Beneish M
-3.25
| DSRI: 1.04 (Receivables 148.0m/145.0m, Revenue 4.70b/4.80b) |
| GMI: 0.80 (GM 63.33% / 50.88%) |
| AQI: 1.00 (AQ_t 0.82 / AQ_t-1 0.81) |
| SGI: 0.98 (Revenue 4.70b / 4.80b) |
| TATA: -0.07 (NI 518.0m - CFO 2.09b) / TA 22.66b) |
| Beneish M-Score: -3.25 (Cap -4..+1) = AA |
What is the price of BFH shares?
As of April 09, 2026, the stock is trading at USD 78.65 with a total of 652,203 shares traded.
Over the past week, the price has changed by +6.90%, over one month by +8.54%, over three months by -2.92% and over the past year by +86.19%.
Over the past week, the price has changed by +6.90%, over one month by +8.54%, over three months by -2.92% and over the past year by +86.19%.
Is BFH a buy, sell or hold?
Bread Financial Holdings has received a consensus analysts rating of 3.31.
Therefor, it is recommend to hold BFH.
- StrongBuy: 4
- Buy: 1
- Hold: 8
- Sell: 2
- StrongSell: 1
What are the forecasts/targets for the BFH price?
| Analysts Target Price | 83 | 5.5% |
Bread Financial Holdings (BFH) - Fundamental Data Overview
as of 05 April 2026
P/E Trailing = 6.6624 P/E Forward = 7.4906
P/S = 1.2792
P/B = 0.9463
P/EG = 0.6967
Revenue TTM = 4.70b USD
EBIT TTM = 614.0m USD
EBITDA TTM = 694.0m USD
Long Term Debt = 4.31b USD (from longTermDebt, last quarter)
Short Term Debt = 13.92b USD (from shortTermDebt, last quarter)
Debt = 4.39b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 789.0m USD (from netDebt column, last quarter)
Enterprise Value = 4.12b USD (3.33b + Debt 4.39b - CCE 3.60b)
Interest Coverage Ratio = 0.72 (Ebit TTM 614.0m / Interest Expense TTM 854.0m)
EV/FCF = 1.98x (Enterprise Value 4.12b / FCF TTM 2.08b)
FCF Yield = 50.60% (FCF TTM 2.08b / Enterprise Value 4.12b)
FCF Margin = 44.35% (FCF TTM 2.08b / Revenue TTM 4.70b)
Net Margin = 11.02% (Net Income TTM 518.0m / Revenue TTM 4.70b)
Gross Margin = 63.33% ((Revenue TTM 4.70b - Cost of Revenue TTM 1.72b) / Revenue TTM)
Gross Margin QoQ = 83.05% (prev 56.90%)
Tobins Q-Ratio = 0.18 (Enterprise Value 4.12b / Total Assets 22.66b)
Interest Expense / Debt = 4.53% (Interest Expense 199.0m / Debt 4.39b)
Taxrate = 14.98% (92.0m / 614.0m)
NOPAT = 522.0m (EBIT 614.0m * (1 - 14.98%))
Current Ratio = 0.27 (Total Current Assets 3.95b / Total Current Liabilities 14.68b)
Debt / Equity = 1.32 (Debt 4.39b / totalStockholderEquity, last quarter 3.33b)
Debt / EBITDA = 1.14 (Net Debt 789.0m / EBITDA 694.0m)
Debt / FCF = 0.38 (Net Debt 789.0m / FCF TTM 2.08b)
Total Stockholder Equity = 3.22b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.27% (Net Income 518.0m / Total Assets 22.66b)
RoE = 16.09% (Net Income TTM 518.0m / Total Stockholder Equity 3.22b)
RoCE = 8.16% (EBIT 614.0m / Capital Employed (Equity 3.22b + L.T.Debt 4.31b))
RoIC = 6.89% (NOPAT 522.0m / Invested Capital 7.58b)
WACC = 7.38% (E(3.33b)/V(7.72b) * Re(12.03%) + D(4.39b)/V(7.72b) * Rd(4.53%) * (1-Tc(0.15)))
Discount Rate = 12.03% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -81.65 | Cagr: -2.02%
[DCF] Terminal Value 82.04% ; FCFF base≈1.99b ; Y1≈2.20b ; Y5≈2.83b
[DCF] Fair Price = 1.30k (EV 56.78b - Net Debt 789.0m = Equity 55.99b / Shares 43.1m; r=7.38% [WACC]; 5y FCF grow 11.62% → 3.0% )
EPS Correlation: 15.97 | EPS CAGR: -2.15% | SUE: -3.55 | # QB: 0
Revenue Correlation: 41.73 | Revenue CAGR: 6.69% | SUE: 4.0 | # QB: 4
EPS next Quarter (2026-06-30): EPS=2.73 | Chg7d=+0.034 | Chg30d=+0.034 | Revisions Net=+3 | Analysts=12
EPS current Year (2026-12-31): EPS=10.18 | Chg7d=+0.019 | Chg30d=+0.019 | Revisions Net=+11 | Growth EPS=-16.3% | Growth Revenue=+2.2%
EPS next Year (2027-12-31): EPS=11.76 | Chg7d=-0.002 | Chg30d=-0.002 | Revisions Net=+5 | Growth EPS=+15.5% | Growth Revenue=+3.6%
[Analyst] Revisions Ratio: +0.33 (6 Up / 3 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = -3.0% (Discount Rate 12.0% - Earnings Yield 15.0%)
[Growth] Growth Spread = +6.4% (Analyst 3.5% - Implied -3.0%)
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