LID Stock Chart & Stats
€92.00
€1.50(1.69%)
At close: 4:00 PM EDT
€92.00
€1.50(1.69%)
Day’s Range― - ―
52-Week Range€46.31 - €97.50
Previous CloseN/A
Volume0.00
Average Volume (3M)0.00
Market Cap
€3.47B
Enterprise Value€3.94K
Total Cash (Recent Filing)€3.68B
Total Debt (Recent Filing)€3.29B
Price to Earnings (P/E)7.6
Beta0.37
Next Earnings
Oct 22, 2026EPS Estimate
3.02Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)13.01
Shares Outstanding38,419,270
10 Day Avg. Volume0
30 Day Avg. Volume0
Financial Highlights & Ratios
PEG Ratio0.07
Price to Book (P/B)1.00
Price to Sales (P/S)0.71
P/FCF Ratio1.59
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
€104.23Price Target Upside13.30% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering13
EPS Forecast (FY)10.68
Revenue Forecast (FY)€3.49B
Bulls Say, Bears Say
Bulls Say
Revenue And Profitability RecoveryThe sharp recovery in revenue and profitability indicates stronger operating performance and improved earnings capacity. If growth and margins remain supported by expanding loan balances and credit sales, BFH can generate more internal capital to invest in technology, partnerships, and risk management.
Improving Credit PerformanceLower losses and delinquencies across a growing loan portfolio support more predictable credit economics and reduce pressure on provisions. Continued improvement would strengthen profitability, validate underwriting discipline, and make the lending platform more attractive to merchant and co-brand partners.
Stronger Funding And Durable PartnershipsA larger deposit base can provide a more diversified funding platform for receivables, while the long-term Signet renewal reinforces the value of BFH’s merchant-partnership model. Technology, analytics, and credit capabilities in the renewal may support retention and future program economics.
Bears Say
Earnings And Cash-flow VolatilityThe recent earnings rebound has not yet established a consistently stable multi-year pattern, while declining free cash flow weakens the momentum of cash generation. Persistent variability could make capital planning less predictable and reduce flexibility to fund growth, repayments, or shareholder returns.
Meaningful Leverage And Limited Asset ExpansionAlthough leverage has improved materially, debt remains meaningful for a credit-services company whose results depend on consumer receivables and funding conditions. Flat asset growth also suggests the balance sheet has not expanded alongside the recovery, potentially limiting operating scale and flexibility.
Pressure On Noninterest Income And ExpensesStronger partner sales can increase retailer profit-sharing costs, limiting the benefit captured in noninterest income. At the same time, rising operating expenses to support growth and investment may delay operating leverage, leaving profitability more dependent on loan growth, funding spreads, and credit outcomes.
Bread Financial Holdings News
LID FAQ
What was Bread Financial Holdings’s price range in the past 12 months?
Bread Financial Holdings lowest stock price was €46.31 and its highest was €97.50 in the past 12 months.
What is Bread Financial Holdings’s market cap?
Bread Financial Holdings’s market cap is €3.47B.
When is Bread Financial Holdings’s upcoming earnings report date?
Bread Financial Holdings’s upcoming earnings report date is Oct 22, 2026 which is in 28 days.
How were Bread Financial Holdings’s earnings last quarter?
Bread Financial Holdings released its earnings results on Jul 23, 2026. The company reported €3.097 earnings per share for the quarter, beating the consensus estimate of €2.388 by €0.708.
Is Bread Financial Holdings overvalued?
According to Wall Street analysts Bread Financial Holdings’s price is currently Undervalued.
Does Bread Financial Holdings pay dividends?
Bread Financial Holdings does not currently pay dividends.
What is Bread Financial Holdings’s EPS estimate?
Bread Financial Holdings’s EPS estimate is 3.02.
How many shares outstanding does Bread Financial Holdings have?
Bread Financial Holdings has 38,419,270 shares outstanding.
What happened to Bread Financial Holdings’s price movement after its last earnings report?
Bread Financial Holdings reported an EPS of €3.097 in its last earnings report, beating expectations of €2.388. Following the earnings report the stock price went down -1.118%.
Which hedge fund is a major shareholder of Bread Financial Holdings?
Currently, no hedge funds are holding shares in DE:LID
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Bread Financial Holdings Stock Smart Score
Neutral
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
€104.23 (13.30% Upside)
€104.23 (13.30% Upside)
Blogger Sentiment
Bullish
DE:LID Sentiment 86%
Sector Average 59%
Sector Average 59%
Insider Transactions
Sold Shares
Worth €260.0K over
the Last 3 Months
the Last 3 Months
News Sentiment
Neutral
Bullish news 50%
Bearish news 50%
Bearish news 50%
Technicals
SMA
Positive
20 days / 200 days
Momentum
64.31%
12-Months-Change
Fundamentals
Return on Equity
0.87%
Trailing 12-Months
Asset Growth
2.89%
Trailing 12-Months
Learn more about TipRanks Smart Score
Company Description
Bread Financial Holdings
Bread Financial Holdings, Inc. offers cutting-edge payment and credit solutions to consumers and various industries throughout North America. Their services include comprehensive financing for credit cards and other loans, which involves managing risk, originating accounts, and providing funding for approximately 130 private label and co-branded credit card programs. They also support around 500 small and medium-sized businesses through their Bread partnerships and issue Comenity-branded general purpose cash-back credit cards. The company is responsible for administering and overseeing all loans it generates, covering private label, co-brand, and general-purpose credit card portfolios, as well as its Bread BNPL (Buy Now Pay Later) products, which include installment and split-pay options. Beyond lending, they provide marketing, data, and analytics services. Their enhanced digital toolkit features a unified Software Development Kit (SDK), allowing seamless integration with their product range and encouraging the presentation of credit payment choices earlier in the retail journey. Additionally, the Bread digital payments platform, powered by a comprehensive suite of application programming interfaces (APIs), empowers merchants and partners to readily incorporate online point-of-sale financing, such as installment and split-pay solutions. Established in Columbus, Ohio in 1996, the company was formerly known as Alliance Data Systems Corporation until it rebranded as Bread Financial Holdings, Inc. in March 2022.
LID Company Deck
LID Earnings Call
Q2 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call highlighted broadly positive operational and financial momentum: revenue, PPNR, credit sales, loan growth, deposits, tangible book value and credit metrics all improved materially year-over-year. Management raised full-year growth and credit guidance, maintained strong liquidity and capital positions, and continues strategic investments in technology and AI. Offsetting items include increasing retailer share arrangements that compress certain noninterest income, lower billed late fees from improving delinquencies, modest near-term expense increases to support growth, and sensitivity to macro and seasonal variability (notably a softer July). Overall, positives (strong earnings growth, improving credit quality, deposit funding milestone, upgraded guidance) notably outweigh the challenges.View all DE:LID earnings summariesLID Stock 12 Month Forecast
All Analysts
Top Analysts
Average Price Target
€104.23
▲(13.30% Upside)
Technical Analysis
1 Day
3 Days
1 Week
1 Month
Capital One Financial
―
Synchrony Financial
―
Atlanticus Holdings
―
OneMain Holdings
―
Affirm Holdings
―












