Price
No data yet.
Social Signal Score
Analyst Ratings
37 analystsRevenue
$1.19B-37.00%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- Ralph J. Andretta
- Sector
- Financial Services
- Industry
- Financial - Credit Services
- Employees
- 6,000
- Beta
- 1.13
- Country
- US
- Piotroski score
- 8 / 9 (Strong)
- Altman Z-score
- 0.74
Financials
Revenue
$1.19B-37.0%Net Income
$146.00M-29.6%EBITDA
$197.00M-55.2%Free Cash Flow
$533.00M-3.9%EPS (diluted)
$3.55+0.0%Shares Outstanding (diluted)
40.70M-30.3%Operating Expenses
$225.00MCash & Debt
$3.68BReturn of Capital
$254.00MRevenue by Segment (annual)
$577.20MDividend per Share
$0.23Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $4.70B | $518.00M | $11.13 |
| 2024 | $4.80B | $277.00M | $5.58 |
| 2023 | $5.17B | $718.00M | $14.42 |
| 2022 | $4.37B | $223.00M | $4.47 |
| 2021 | $3.27B | $801.00M | $16.12 |
| 2020 | $3.30B | $214.00M | $4.47 |
| 2019 | $3.35B | $278.00M | $11.45 |
| 2018 | $5.67B | $963.10M | $17.54 |
| 2017 | $5.47B | $788.70M | $14.17 |
| 2016 | $7.14B | $515.80M | $7.37 |
| 2015 | $6.44B | $596.50M | $8.91 |
| 2014 | $5.30B | $506.30M | $8.72 |
| 2013 | $4.32B | $496.17M | $10.09 |
| 2012 | $3.64B | $422.26M | $8.44 |
Valuation
Project earnings forward and see what return today's price implies.
Seeded from BFH's reported EPS growth of 2.2% a year over 13 years.
- EPS in 5 years
- $12.86
- Implied price
- $90.04
- Return from $97.99
- -1.7% a year
To earn 15.0% a year on these assumptions you'd need to buy at $44.77 — -54.3% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 3 | 5 | 7 | 9 | 11 |
|---|---|---|---|---|---|
| -7.8% | -25.1% | -17.1% | -11.3% | -6.7% | -2.9% |
| -2.8% | -21.1% | -12.6% | -6.5% | -1.7% | 2.4% |
| 2.2% | -17.0% | -8.1% | -1.7% | 3.4% | 7.6% |
| 7.2% | -12.9% | -3.6% | 3.1% | 8.4% | 12.9% |
| 12.2% | -8.9% | 0.9% | 7.9% | 13.5% | 18.2% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
30-40.00%Social Signal Score
Mentions (20)
- Newszacks.com·21h ago·Negative
BFH or FUTU: Which Is the Better Value Stock Right Now? Investors with an interest in Financial - Miscellaneous Services stocks have likely encountered both Bread Financial Holdings (BFH) and Futu Holdings Limited Sponsored ADR (FUTU). But which of these two stocks presents investors with the better value opportunity right now?
View source ↗ - Newszacks.com·10d ago·Positive
Best Momentum Stocks to Buy for September 25th BFH, SDRL and RS made it to the Zacks Rank #1 (Strong Buy) momentum stocks list on September 25th, 2026.
View source ↗ - Newszacks.com·11d ago·Positive
Here's Why Bread Financial Holdings (BFH) is a Strong Value Stock The Zacks Style Scores offers investors a way to easily find top-rated stocks based on their investing style. Here's why you should take advantage.
View source ↗ - Newsgurufocus.com·13d ago·Neutral
Bread Financial Holdings Inc (BFH) Stock Down 4.9% but Still Overvalued -- GF Score: 65/100 On September 22, 2026, Bread Financial Holdings Inc (BFH) shares fell 4.9% to a current price of $102.69, reflecting a decline in an otherwise strong year for t
View source ↗ - News (RSS)ft·17d ago·Neutral
Entente cordiale: how French living has influenced British artists Bread, butter and cheap digs led figures from David Hockney to Gwen John to move across the Channel — their experiences encapsulated in the frame
View source ↗ - Newszacks.com·18d ago·Negative
BFH vs. FUTU: Which Stock Is the Better Value Option? Investors looking for stocks in the Financial - Miscellaneous Services sector might want to consider either Bread Financial Holdings (BFH) or Futu Holdings Limited Sponsored ADR (FUTU). But which of these two stocks presents investors with the better value opportunity right now?
View source ↗ - Newsseekingalpha.com·20d ago·Positive
Bread Financial Holdings, Inc. (BFH) Presents at Barclays 24th Annual Global Financial Services Conference Transcript Bread Financial Holdings, Inc. (BFH) Presents at Barclays 24th Annual Global Financial Services Conference Transcript
View source ↗ - Newsglobenewswire.com·21d ago·Neutral
Bread Financial and Signet Jewelers Renew Longstanding Credit Card Program Agreement COLUMBUS, Ohio, Sept. 15, 2026 (GLOBE NEWSWIRE) -- Bread Financial® (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions, today announced a long-term renewal of its relationship with Signet Jewelers Limited (NYSE: SIG).
View source ↗ - 4chan /biz/biz·21d ago·Neutral
>>62689811 Bread and circus for everyone!
View source ↗ - 4chan /biz/biz·24d ago·Neutral
Fren update Some of you here know Opa. If not the photo says enough. >be c.1941 Opa and his men are south near Italy. He is charge of base camp. Food supplies are still abundant. Fresh bread, dairy etc. Large portions of bread are not eaten and he sees it a a waste of good food. Gets Kp guys to save all day old bread and starts filling large canvas bags. Starts to send full bags home on train. Opa is stackin Bread. >google- hard tack >6 moths later He gets leave and goes home. First priority i
View source ↗ - Newszacks.com·34d ago·Neutral
BFH or HASI: Which Is the Better Value Stock Right Now? Investors interested in stocks from the Financial - Miscellaneous Services sector have probably already heard of Bread Financial Holdings (BFH) and HA Sustainable Infrastructure Capital (HASI). But which of these two stocks presents investors with the better value opportunity right now?
View source ↗ - News (RSS)seekingalpha·39d ago·Neutral
Bread Financial: Attractive Yield From A Seasoned Consumer Lender
View source ↗ - Newsseekingalpha.com·39d ago·Neutral
Bread Financial: Attractive Yield From A Seasoned Consumer Lender Bread Financial offers robust consumer lending, boasting a long track record of positive net income—even through recessionary cycles. BFH funds itself primarily through low-cost deposits, maintaining a Tier 1 capital ratio near 14% and BB credit ratings. Series B Preferred Shares yield 8.9% (stripped), compensating for recession-driven risks in the consumer lending sector.
View source ↗ - 4chan /biz/biz·39d ago·Neutral
>>62636338 Bread and circus
View source ↗ - Newsglobenewswire.com·41d ago·Negative
Fans Score More: NFL Extra Points American Express® Credit Card Now Available Bread Financial® to continue as issuer for the NFL Extra Points Credit Card program, with majority of clubs transitioning to the American Express Network
View source ↗ - 4chan /biz/biz·42d ago·Neutral
>>62615054 >Bread is no different; It was the state that first legitimized the bakery. It is legitimized in a concrete society thanks to the state, which provides flour and yeast Even if it was true that the only type of human conglomerate capable of creating microchips was the nation-state it would still be made up of actual flesh and blood humans. The state is the people and the people the state. There is no obligation to slavishly be subservient to the state like its god. A bunch of words
View source ↗ - 4chan /biz/biz·44d ago·Neutral
https://branko2f7.substack.com/p/sketching-the-new-dysto-utopian-world >Finally, we come to the key question which is in truth a social question: how would the new income distribution look like? This would be a tetra society, that is society composed of four classes. On the bottom there is the surplus population, the lumpenproletariat or the idle helots with no jobs and nothing to do. They would have to be kept quiet and docile through dispensation of bread and circuses. Bread and circuses in th
View source ↗ - Newsglobenewswire.com·50d ago·Negative
Bread Financial Provides Performance Update for July 2026 COLUMBUS, Ohio, Aug. 17, 2026 (GLOBE NEWSWIRE) -- Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions to millions of U.S. consumers, provided a performance update. The following tables present the Company's Net principal loss rate and Delinquency rate for the periods indicated: For the For the month ended mon…
View source ↗ - Newsseekingalpha.com·56d ago·Neutral
Bread Financial: 8.6% Yield Opportunity On Series A Preferred Shares Bread Financial offers compelling income opportunities through its Series A preferred shares, currently yielding 8.6%. BFH's robust net interest margin of 18.5% and high asset yields are supported by strong deposit and loan growth. Deposit growth outpaces loans, reducing reliance on external financing and improving the loan-to-deposit ratio to 111%.
View source ↗ - News (RSS)yahoo·746d ago·Neutral
Bread Savings review (2026): Home to high-interest online savings and CD accounts
View source ↗
Earnings
Thu, Oct 22(in 2 weeks)
Consensus estimate $3.43 per share
Typical surprise +39.3% (median, so one quarter with a near-zero estimate can't distort it)
- Thu, Jul 23$3.55 vs $2.74beat
- Thu, Apr 23$4.18 vs $3.00beat
- Thu, Jan 29$2.07 vs $0.40beat
- Thu, Oct 23$4.02 vs $2.11beat
- Thu, Jul 24$3.14 vs $1.85beat
- Thu, Apr 24$2.86 vs $2.10beat
Estimates and results for BFH via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by BFH officers and directors.
- Bought
- $177k
- Sold
- $2.5m
5 trades
5 trades
- Mccarthy Dennis Jamesbought
- Lakhwara Pranitisold
- Andretta Ralph Jsold
- Andretta Ralph Jsold
- Andretta Ralph Jsold
- Fawcett John J.bought
- Ballou Roger Hsold
- Fawcett John J.bought
90 further Form 4 entries are share awards, option exercises or shares withheld for tax. Those are compensation, not trades, so they are excluded above. Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.
Congress trades
No disclosed congressional trades in BFH.
Self-reported filings, amounts as brackets. Via Senate/House disclosures.