Bread Financial Holdings, Inc.

Valuation Analysis

About the Company

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, underwriting, and funding services for private label and co-brand credit card programs, as well as through Bread Pay partnerships. 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 earl

Bread Financial Holdings, Inc. Stock at a Glance

Bread Financial Holdings, Inc. (BFH) is currently trading at $101.71 with a market capitalization of $4.1B. The trailing P/E ratio stands at 8.3x, with a forward P/E of 8.17x. The 52-week range spans from $50.88 to $103.12; the current price is 1.4% below the yearly high. Year-over-year revenue growth stands at +6.1%. The net profit margin stands at 21.22%.

💰 Dividend

Bread Financial Holdings, Inc. pays an annual dividend of $0.92 per share, representing a yield of 0.9%. The payout ratio stands at 7.18%.

📊 Analyst Rating

16 analysts rate Bread Financial Holdings, Inc. (BFH) on consensus: Buy. The average price target is $97.00, implying -4.63% from the current price. Analyst price targets range from $70.00 to $115.00.

Bread Financial Holdings, Inc.: The Investment Case in Detail

Bread Financial Holdings, Inc. (BFH) operates in the Financial Services — specifically Credit Services — and is headquartered in United States. Below is a structured read of the investment case built directly from the latest fundamentals, valuation multiples, analyst positioning and smart-money flows. Each section translates raw numbers into the investment logic they imply, so you can decide whether the risk/reward fits your portfolio.

The Bull Case

Earnings growth of 49.3% is outpacing revenue, a sign of operational leverage — fixed costs are being absorbed across a larger base. Our valuation screen flags the stock as undervalued relative to its fundamentals — multiples are running below where the cash flow profile would normally justify.

What to Watch Next

• The share is trading at 97.3% of its 52-week range — a break above the recent high opens technical upside, a failure here often invites profit-taking.

Investment Thesis: Strengths & Weaknesses

Technical Snapshot

Price trades above both the 50- and 200-day moving averages, with 50d above 200d — a classic bullish setup (golden-cross alignment).

Risk Profile

The data points to market-like volatility.

Trading Data

💵 Dividend Info

Related Stocks in the Same Sector

Where can I buy Bread Financial Holdings, Inc.?

Compare top-rated brokers — low fees, trusted providers, fully regulated.