Bread Financial Holdings, Inc.

Bread Financial Holdings, Inc. (BFH) Stock Analysis

$101.720

+1.861 (+1.83%)At close

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High
102.710
Open
101.090
VWAP
101.81
Volume
373.73K
Mkt Cap
2.13B
Low
101.000
Amount
38.05M
EV/EBITDA, TTM
2.28

Bread Financial Holdings, Inc. is a tech-forward financial services company which is engaged in providing simple, personalized payment, lending, and saving solutions. The Company's product offerings consist of co-brand and private label credit card programs with retailers and other brand partners; direct-to-consumer (DTC); proprietary general purpose credit cards; Bread Pay products; and Bread Savings products. Its payment solutions, including Bread Financial general purpose credit cards and savings products. Its private label credit cards are partner-branded credit cards used by consumers for the purchase of goods and services from that partner. Bread Pay is its payment technology solution for pay-over-time products. The Company's products are supported by various services and capabilities, including risk management, underwriting, and funding services; credit card and other loan processing and servicing; fraud prevention; marketing, and data and analytics; and others.

AI analysis of Bread Financial Holdings, Inc. (BFH)

Hold

Currently, Bread Financial Holdings Inc (BFH) is not a strong buy. The stock is priced at $99.89, with a low RSI of 40.74 indicating potential weakness. Although it has a forward P/E of 7.57 and a gross margin of 82.01%, which are attractive, the recent 5-day change of -2.60% and a higher delinquency rate of 5.25% compared to peers present significant risks.

Valuation Metrics

The current forward P/E ratio for Bread Financial Holdings, Inc. (BFH) is 8.23, compared to its 5-year average forward P/E of 7.02.

Forward P/E

Fair
5Y Average P/E
7.02
Current P/E
8.23
Overvalued
9.81
Undervalued
4.23

Forward EV/EBITDA

Fair
5Y Average EV/EBITDA
2.17
Current EV/EBITDA
2.28
Overvalued
4.60
Undervalued
-0.26

Forward P/S

Overvalued
5Y Average P/S
0.65
Current P/S
0.92
Overvalued
0.85
Undervalued
0.44

Alphio AI Price Scenarios for BFH

Scenario prices are the last monthly forecast band of the current year. Probabilities are fixed model weights (25 / 50 / 25), not guarantees.

B

Bull

Bull · 25%BFH

$53.02

Scenario price

B

Base

Base · 50%BFH

$49.41

Scenario price

B

Bear

Bear · 25%BFH

$46.49

Scenario price

Whales holding BFH

C

Cambria Investment Management, L.P.

+ HoldingBFH

+3.42%

3M Return

E

Edgestream Partners, L.P.

+ HoldingBFH

+0.78%

3M Return

B

Basswood Capital Management, L.L.C.

+ HoldingBFH

-9.08%

3M Return

Events Timeline

2026-10-22 (ET)

07:00:00

Company Board Declares Quarterly Cash Dividend Increased to 25 Cents

07:00:00

Q3 Tangible Book Value Per Share at $66.95

07:00:00

Bread Financial Renews Long-Term Credit Agreement with Sephora

2026-09-15 (ET)

07:30:00

Bread Financial Renews Long-Term Agreement with Signet Jewelers

News

BFH FAQ — answered by Alphio AI

Bread Financial Holdings, Inc. is a tech-forward financial services company which is engaged in providing simple, personalized payment, lending, and saving solutions. The Company's product offerings consist of co-brand and private label credit card programs with retailers and other brand partners; direct-to-consumer (DTC); proprietary general purpose credit cards; Bread Pay products; and Bread Savings products. Its payment solutions, including Bread Financial general purpose credit cards and savings products. Its private label credit cards are partner-branded credit cards used by consumers for the purchase of goods and services from that partner. Bread Pay is its payment technology solution for pay-over-time products. The Company's products are supported by various services and capabilities, including risk management, underwriting, and funding services; credit card and other loan processing and servicing; fraud prevention; marketing, and data and analytics; and others. It operates in the Financials sector (PERSONAL CREDIT INSTITUTIONS industry).

Currently, Bread Financial Holdings Inc (BFH) is not a strong buy. The stock is priced at $99.89, with a low RSI of 40.74 indicating potential weakness. Although it has a forward P/E of 7.57 and a gross margin of 82.01%, which are attractive, the recent 5-day change of -2.60% and a higher delinquency rate of 5.25% compared to peers present significant risks.

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This page is for research only and is not investment advice. Models can be wrong. Past performance does not guarantee future results.

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