LID Stock Chart & Stats
€90.00
€1.50(1.69%)
At close: 4:00 PM EDT
€90.00
€1.50(1.69%)
Day’s Range― - ―
52-Week Range€46.31 - €95.50
Previous CloseN/A
Volume0.00
Average Volume (3M)0.00
Market Cap
€3.76B
Enterprise Value€4.01K
Total Cash (Recent Filing)€3.68B
Total Debt (Recent Filing)€3.29B
Price to Earnings (P/E)8.3
Beta0.42
Next Earnings
Oct 22, 2026EPS Estimate
3.01Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)13.01
Shares Outstanding40,407,066
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
€101.70Price Target Upside13.00% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering12
EPS Forecast (FY)10.6
Revenue Forecast (FY)€3.48B
Bulls Say, Bears Say
Bulls Say
Improving Credit MetricsSustained improvement in delinquencies, net loss rate and reserve coverage materially reduces credit risk and loss volatility. Over the next 2–6 months, better underwriting and reserve positioning should support steadier earnings, lower provisioning shocks and improved capital retention.
Stronger Deposit Funding And LiquidityA meaningful shift toward DTC deposits and a large liquidity buffer materially improve funding stability and optionality. Lower reliance on wholesale funding and strong CET1 cushions reduce funding cost sensitivity and support durable loan growth and capital deployment over coming quarters.
Profitability Rebound And Cash EarningsMargin recovery and revenue acceleration signal improved core economics and cash generation capacity. Higher PPNR and tangible book growth support sustainable ROE expansion, ongoing investment in tech/AI, and measured capital returns without impairing franchise strength.
Bears Say
Free Cash Flow Momentum WeakeningA notable YoY drop in free cash flow and inconsistent operating cash coverage reduce confidence in near-term cash available for buybacks, debt service or discretionary investment. Persistent FCF pressure can constrain capital allocation and heighten sensitivity to adverse credit cycles.
Meaningful Remaining LeverageAlthough leverage has fallen, a material debt load remains and assets are roughly flat, limiting balance-sheet flexibility. Elevated leverage can amplify earnings volatility under stress and constrain regulatory or strategic options if credit or funding conditions deteriorate.
Revenue Mix Vulnerability From Partner EconomicsOngoing compression from retailer share arrangements and shrinking fee income (fewer billed late fees) weaken a recurring noninterest revenue stream. Reliance on partner economics and share arrangements reduces margin stickiness and could cap noninterest income upside as credit quality normalizes.
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 €95.50 in the past 12 months.
What is Bread Financial Holdings’s market cap?
Bread Financial Holdings’s market cap is €3.76B.
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 84 days.
How were Bread Financial Holdings’s earnings last quarter?
Bread Financial Holdings released its earnings results on Jul 23, 2026. The company reported €3.116 earnings per share for the quarter, beating the consensus estimate of €2.404 by €0.713.
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 3.01.
How many shares outstanding does Bread Financial Holdings have?
Bread Financial Holdings has 40,407,066 shares outstanding.
What happened to Bread Financial Holdings’s price movement after its last earnings report?
Bread Financial Holdings reported an EPS of €3.116 in its last earnings report, beating expectations of €2.404. Following the earnings report the stock price went down -1.117%.
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
Outperform
1
2
3
4
5
6
7
8
9
10
Analyst Consensus
Moderate Buy
Average Price Target:
€101.70 (13.00% Upside)
€101.70 (13.00% Upside)
Blogger Sentiment
Bullish
DE:LID Sentiment 75%
Sector Average 58%
Sector Average 58%
Insider Transactions
Sold Shares
Worth €208.1K 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
0.83%
Trailing 12-Months
Asset Growth
2.89%
Trailing 12-Months
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
Average Price Target
€101.70
▲(13.00% Upside)