0HCR Stock Chart & Stats
$102.70
$5.63(5.48%)
At close: 4:00 PM EDT
$102.70
$5.63(5.48%)
Day’s Range― - ―
52-Week Range$54.43 - $115.00
Previous CloseN/A
Volume11.00
Average Volume (3M)52.00
Market Cap
$3.96B
Enterprise Value$3.94K
Total Cash (Recent Filing)$3.68B
Total Debt (Recent Filing)$3.29B
Price to Earnings (P/E)8.1
Beta0.93
Next Earnings
Oct 22, 2026EPS Estimate
3.43Next Dividend Ex-DateN/A
Dividend Yield0.85%
Share Statistics
EPS (TTM)13.01
Shares Outstanding38,419,270
10 Day Avg. Volume67
30 Day Avg. Volume52
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 Cap<0.01
Enterprise Value/Revenue<0.01
Enterprise Value/Gross Profit<0.01
Enterprise Value/Ebitda<0.01
Forecast
1Y Price Target
$118.64Price Target Upside15.52% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering11
EPS Forecast (FY)12.23
Revenue Forecast (FY)$4.00B
Bulls Say, Bears Say
Bulls Say
Profitability And Revenue RecoveryThe recovery indicates stronger operating earnings and portfolio activity, improving internal capacity to absorb credit costs and fund growth. Durability depends on sustaining performance after the pronounced earnings volatility seen across prior years.
Improving Credit Quality With Loan GrowthGrowing receivables alongside lower losses and delinquencies suggests underwriting and portfolio performance are improving together. Sustained credit normalization would support earnings resilience by reducing pressure from provisions and future charge-offs.
Diversified Deposits And Strong Capital PositionA larger deposit base can provide more stable, diversified funding for receivables and reduce reliance on wholesale sources. Strong liquidity, CET1 capital and loss absorption capacity also give BFH flexibility to support growth through credit cycles.
Bears Say
Meaningful Leverage For A Credit BusinessAlthough leverage has declined substantially, BFH remains exposed to funding and credit-cycle stress because its business depends on a sizable lending balance sheet. Higher losses or funding costs could still constrain capital flexibility.
Free Cash Flow And Earnings VolatilityWeaker cash-flow momentum limits confidence that the recent earnings recovery will translate consistently into financial flexibility. Historical volatility increases planning risk and could make capital allocation more dependent on credit and funding conditions.
Partner Economics And Cost PressureRetailer profit-sharing arrangements can structurally reduce BFH’s economics as partner sales improve, limiting operating leverage. Ongoing technology and growth investment may further pressure margins before productivity benefits are fully realized.
Bread Financial Holdings News
0HCR FAQ
What was Bread Financial Holdings Inc’s price range in the past 12 months?
Bread Financial Holdings Inc lowest share price was $54.43 and its highest was $115.00 in the past 12 months.
What is Bread Financial Holdings Inc’s market cap?
Bread Financial Holdings Inc’s market cap is $3.96B.
When is Bread Financial Holdings Inc’s upcoming earnings report date?
Bread Financial Holdings Inc’s upcoming earnings report date is Oct 22, 2026 which is in 61 days.
How were Bread Financial Holdings Inc’s earnings last quarter?
Bread Financial Holdings Inc released its earnings results on Jul 23, 2026. The company reported $3.55 earnings per share for the quarter, beating the consensus estimate of $2.738 by $0.812.
Is Bread Financial Holdings Inc overvalued?
According to Wall Street analysts Bread Financial Holdings Inc’s price is currently Undervalued.
Does Bread Financial Holdings Inc pay dividends?
Bread Financial Holdings Inc pays a Quarterly dividend of $0.23 which represents an annual dividend yield of 0.85%. See more information on Bread Financial Holdings Inc dividends here
What is Bread Financial Holdings Inc’s EPS estimate?
Bread Financial Holdings Inc’s EPS estimate is 3.43.
How many shares outstanding does Bread Financial Holdings Inc have?
Bread Financial Holdings Inc has 38,419,270 shares outstanding.
What happened to Bread Financial Holdings Inc’s price movement after its last earnings report?
Bread Financial Holdings Inc reported an EPS of $3.55 in its last earnings report, beating expectations of $2.738. Following the earnings report the stock price went up 1.813%.
Which hedge fund is a major shareholder of Bread Financial Holdings Inc?
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
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
$118.64 (15.52% Upside)
$118.64 (15.52% Upside)
Blogger Sentiment
Bullish
GB:0HCR Sentiment 80%
Sector Average ―
Sector Average ―
Insider Transactions
Sold Shares
Worth $237.0K 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
73.19%
12-Months-Change
Fundamentals
Return on Equity
0.85%
Trailing 12-Months
Asset Growth
2.89%
Trailing 12-Months
Company Description
Bread Financial Holdings Inc
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
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 GB:0HCR earnings summaries0HCR Stock 12 Month Forecast
Average Price Target
$118.64
▲(15.52% Upside)