0HCR Stock Chart & Stats
$109.01
$5.63(5.48%)
At close: 4:00 PM EDT
$109.01
$5.63(5.48%)
Day’s Range― - ―
52-Week Range$59.25 - $115.00
Previous CloseN/A
Volume11.00
Average Volume (3M)137.00
Market Cap
$4.01B
Enterprise Value$2.77B
Total Cash (Recent Filing)$4.24B
Total Debt (Recent Filing)$3.13B
Price to Earnings (P/E)8.2
Beta1.07
Next Earnings
Jan 28, 2027EPS Estimate
1.49Next Dividend Ex-DateN/A
Dividend Yield0.91%
Share Statistics
EPS (TTM)12.89
Shares Outstanding37,961,243
10 Day Avg. Volume176
30 Day Avg. Volume137
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 Cap0.69
Enterprise Value/Revenue0.58
Enterprise Value/Gross Profit0.90
Enterprise Value/Ebitda3.68
Forecast
1Y Price Target
$119.18Price Target Upside9.33% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering12
EPS Forecast (FY)12.94
Revenue Forecast (FY)$4.02B
Bulls Say, Bears Say
Bulls Say
Loan And Revenue GrowthGrowing loans, revenue, and credit sales indicate continued partner activity and consumer payment engagement across Bread Financial’s platform. This provides a durable base for finance-charge, interchange, and program economics, while scale can support investment in technology, servicing, and risk management.
Improving Credit PerformanceImproving delinquency and loss trends strengthen earnings quality because lower credit losses reduce pressure on provisions and preserve portfolio returns. Management attributes the progress to disciplined underwriting, product mix, risk management, and seasoning of higher-quality vintages, supporting near-term stability.
Strong Cash GenerationStrong operating and free cash flow, closely tracking net income, indicates that reported profitability is converting into financial resources. That cash supports capital needs, technology investment, debt management, and shareholder returns, improving Bread Financial’s ability to fund growth through the credit cycle.
Bears Say
Net Interest Margin PressureExpected margin pressure could restrain earnings even if loan balances continue growing. Lower assigned APRs and fewer billed late fees in co-brand, proprietary-card, and installment products may reduce revenue yield, while deposit costs and competitive funding rates create additional pressure on spread sustainability.
Meaningful LeverageAlthough leverage has improved substantially, meaningful debt still increases sensitivity to credit losses, funding costs, and weaker earnings. A highly leveraged financial-services balance sheet has less flexibility when portfolio performance deteriorates, potentially limiting capital allocation and amplifying results through a downturn.
Credit-Cycle Earnings VolatilityThe uneven earnings history shows that Bread Financial’s profitability remains exposed to credit and market cycles rather than following a consistently stable trajectory. Changes in delinquencies, charge-offs, consumer spending, and funding conditions can therefore produce significant swings in margins, provisions, and returns.
Bread Financial Holdings News
0HCR FAQ
What was Bread Financial Holdings’s price range in the past 12 months?
Bread Financial Holdings lowest share price was $59.25 and its highest was $115.00 in the past 12 months.
What is Bread Financial Holdings’s market cap?
Bread Financial Holdings’s market cap is $4.01B.
When is Bread Financial Holdings’s upcoming earnings report date?
Bread Financial Holdings’s upcoming earnings report date is Jan 28, 2027 which is in 90 days.
How were Bread Financial Holdings’s earnings last quarter?
Bread Financial Holdings released its earnings results on Oct 22, 2026. The company reported $3.84 earnings per share for the quarter, beating the consensus estimate of $3.336 by $0.504.
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 pays a Quarterly dividend of $0.25 which represents an annual dividend yield of 0.91%. See more information on Bread Financial Holdings dividends here
What is Bread Financial Holdings’s EPS estimate?
Bread Financial Holdings’s EPS estimate is 1.49.
How many shares outstanding does Bread Financial Holdings have?
Bread Financial Holdings has 37,961,243 shares outstanding.
What happened to Bread Financial Holdings’s price movement after its last earnings report?
Bread Financial Holdings reported an EPS of $3.84 in its last earnings report, beating expectations of $3.336. Following the earnings report the stock price went down -1.172%.
Which hedge fund is a major shareholder of Bread Financial Holdings?
Currently, no hedge funds are holding shares in GB:0HCR
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:
$119.18 (9.33% Upside)
$119.18 (9.33% Upside)
Blogger Sentiment
Bullish
GB:0HCR Sentiment 67%
Sector Average 57%
Sector Average 57%
Insider Transactions
Sold Shares
Worth $295.7K over
the Last 3 Months
the Last 3 Months
News Sentiment
Very Bullish
Bullish news 100%
Bearish news 0%
Bearish news 0%
Technicals
SMA
Positive
20 days / 200 days
Momentum
71.77%
12-Months-Change
Fundamentals
Return on Equity
15.94%
Trailing 12-Months
Asset Growth
7.26%
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.
0HCR Company Deck
0HCR Earnings Call
Q3 2026
0:00 / 0:00
Earnings Call Sentiment|Positive
The call was strongly positive overall. Management reported solid loan, revenue and credit-sales growth; improving delinquency and net loss rates; raised full-year loan growth and credit guidance; strong deposit and liquidity metrics; partner renewals; and progress on the bank merger and credit rating. The principal challenges were lower net income due to a prior-year tax benefit, negative noninterest income, declining billed late fees, expected near-term NIM pressure, higher expenses and macroeconomic uncertainty. The positive operational and credit trends significantly outweighed the disclosed challenges.View all GB:0HCR earnings summaries0HCR Stock 12 Month Forecast
Average Price Target
$119.18
▲(9.33% Upside)
Technical Analysis
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