Bread Financial Holdings (LID) Stock Price & Analysis
LID Stock Chart & Stats
- Day’s Range
- EUR 92.00 - EUR 94.50
- 52-Week Range
- EUR 51.04 - EUR 97.50
- Previous Close
- EUR 94.00
- Volume
- 0
- Average Volume (3M)
- 0
- Market Cap
- EUR 3.50B
- Enterprise Value
- EUR 2.77B
- Total Cash (Recent Filing)
- EUR 4.24B
- Total Debt (Recent Filing)
- EUR 3.13B
- Price to Earnings (P/E)
- 8.0
- Beta
- 0.46
- Next Earnings
- Jan 28, 2027 (Est.)
- EPS Estimate
- 1.34
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 0.86%
Bulls Say, Bears Say
Bulls Say
Loan And Revenue Growth
Growing 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 Performance
Improving 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 Generation
Strong 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 Pressure
Expected 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 Leverage
Although 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 Volatility
The 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
LID FAQ
What was Bread Financial Holdings’s price range in the past 12 months?
What is Bread Financial Holdings’s market cap?
When is Bread Financial Holdings’s upcoming earnings report date?
How were Bread Financial Holdings’s earnings last quarter?
Is Bread Financial Holdings overvalued?
Does Bread Financial Holdings pay dividends?
What is Bread Financial Holdings’s EPS estimate?
How many shares outstanding does Bread Financial Holdings have?
What happened to Bread Financial Holdings’s price movement after its last earnings report?
Which hedge fund is a major shareholder of Bread Financial Holdings?
What is the TipRanks Smart Score and how is it calculated?
Bread Financial Holdings Stock 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.
- Sector
- Financial
- Industry
- Financial - Credit Services
- CEO
- Ralph J. Andretta
- Employees
- 6,000
- Website
- www.breadfinancial.com
- Address
- 3095 Loyalty Circle, Columbus, OH, 43219, US
Bread Financial Holdings (LID) Earnings & Revenues
LID Company Deck
LID Earnings Call
Earnings Call SentimentPositive
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 DE:LID earnings summariesLID Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 15 | 5 | 2 |
| Technical Analysis | 4 | 5 | 1 |
| Moving Averages | 11 | 0 | 1 |