Bread Financial Holdings (0HCR) Price & Analysis

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0HCR Stock Chart & Stats

$109.01

$5.63(5.48%)

At close: Jul 27 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)136.00

Market Cap

$3.84B

Enterprise Value$3.01B

Total Cash (Recent Filing)$3.68B

Total Debt (Recent Filing)$3.29B

Price to Earnings (P/E)7.7

Beta1.09

Next Earnings

Jan 28, 2027

EPS Estimate

1.5

Next Dividend Ex-DateN/A

Dividend Yield0.96%

Share Statistics

EPS (TTM)13.01

Shares Outstanding38,419,270

10 Day Avg. Volume285

30 Day Avg. Volume136

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 Cap0.79

Enterprise Value/Revenue0.63

Enterprise Value/Gross Profit0.99

Enterprise Value/Ebitda3.98

Forecast

1Y Price Target

$119.18

Price Target Upside9.33% Upside

Rating ConsensusModerate Buy

Number of Analyst Covering11

EPS Forecast (FY)12.94

Revenue Forecast (FY)$4.02B

Bulls Say, Bears Say

Bulls Say

Improving Credit QualityImproving delinquency and net loss rates indicate that underwriting, product mix and newer-account seasoning are strengthening portfolio performance. Better credit quality can reduce provisions and support more predictable earnings as the loan book grows, while management’s sub-7% loss guidance reinforces the trend.

Stronger Funding ProfileRapid deposit growth is improving the funding mix and reducing reliance on other sources of capital. The completed bank merger adds flexibility and capital efficiencies, while the long-term deposit target provides a structural path toward more diversified funding and greater support for loan growth.

Durable Partner RelationshipsRenewed long-term agreements with major partners reinforce Bread Financial’s embedded position in merchant credit and loyalty programs. Technology, analytics, personalization and digital investments can deepen partner engagement, support customer retention, and create recurring portfolio opportunities over multiple years.

Bears Say

Net Interest Margin PressureExpected margin pressure could limit earnings growth even if loan balances continue expanding. Lower-APR co-brand, proprietary-card and installment products, fewer billed late fees, and rising deposit costs may reduce the profitability of incremental receivables and make future improvement more dependent on operating efficiency.

Partner Economics Dilute IncomeIncreasing value-sharing with retailers means stronger credit sales and portfolio performance do not translate fully into Bread Financial revenue. Combined with declining billed late fees, this pressure can weaken fee economics and constrain operating leverage as new partnerships and renewals carry more profit-sharing components.

Cash Flow VolatilityThe sharp year-over-year decline in free cash flow reduces confidence that the current earnings recovery will translate consistently into internally generated capital. Weaker cash momentum may constrain flexibility for debt reduction, shareholder returns, or reinvestment if credit conditions or funding needs become less favorable.

Bread Financial Holdings News

Bread Financial price target raised to $123 from $121 at Seaport Research

Seaport Research analyst Bill Ryan raised the firm’s price target on Bread Financial (BFH) to $123 from $121...

3d ago

BFH

Bread Financial price target raised to $113 from $111 at TD Cowen

TD Cowen raised the firm’s price target on Bread Financial (BFH) to $113 from $111 and keeps a...

3d ago

BFH

Bread Financial price target raised to $131 from $127 at BofA

BofA raised the firm’s price target on Bread Financial (BFH) to $131 from $127 and keeps a Buy...

3d ago

BFH

Bread Financial price target lowered to $107 from $110 at Barclays

Barclays lowered the firm’s price target on Bread Financial (BFH) to $107 from $110 and keeps an Equal...

3d ago

BFH

Bread Financial, Sephora sign long-term renewal of credit, loyalty program

Bread Financial (BFH) announced a long-term renewal of its credit and loyalty program agreement with Sephora, one of...

4d ago

BFH

Bread Financial reports Q3 adjusted EPS $3.84, consensus $3.23

Reports Q3 tangible book value per common share $66.95 from $63.66 last quarter. Reports Q3 net interest margin...

4d ago

BFH

Bread Financial raises quarterly dividend 9% to 25c from 23c per share

On the company’s common stock, the Board of Directors declared a quarterly cash dividend of 25c per share,...

4d ago

BFH

Bread Financial price target lowered to $121 from $123 at Seaport Research

Seaport Research analyst Bill Ryan lowered the firm’s price target on Bread Financial (BFH) to $121 from $123...

19d ago

BFH

Bread Financial price target lowered to $111 from $114 at TD Cowen

TD Cowen analyst Moshe Orenbuch lowered the firm’s price target on Bread Financial (BFH) to $111 from $114...

20d ago

BFH

Bread Financial price target raised to $110 from $109 at Barclays

Barclays analyst Terry Ma raised the firm’s price target on Bread Financial (BFH) to $110 from $109 and...

21d ago

BFH

Bread Financial Holdings (BFH) Announces Q4 Dividend: Read On for Important Dates

Bread Financial Holdings (NYSE: BFH) has declared, under its dividend policy, a quarterly cash dividend in the amount...

3d ago

BFH

Bread Financial’s Q3 Call Highlights Growth and Credit Gains

Bread Financial Holdings Inc (($BFH)) has held its Q3 earnings call. Read on for the main highlights of...

4d ago

BFH

Bread Financial Reports Strong Q3 Results, Raises Dividend

Bread Financial Holdings ( ($BFH) ) has issued an update. On October 22, 2026, Bread Financial reported third-quarter...

4d ago

BFH

Bread Financial Reports Loan Growth and Improved Delinquencies

Bread Financial Holdings ( ($BFH) ) has issued an update. On October 22, 2026, Bread Financial provided a...

4d ago

BFH

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 $3.84B.

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 94 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. Get more investment ideas with TipRanks Premium

Does Bread Financial Holdings pay dividends?

Bread Financial Holdings pays a Quarterly dividend of $0.25 which represents an annual dividend yield of 0.96%. See more information on Bread Financial Holdings dividends here

What is Bread Financial Holdings’s EPS estimate?

Bread Financial Holdings’s EPS estimate is 1.5.

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 $3.84 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

Fundamentals

Return on Equity

15.94%

Trailing 12-Months

Asset Growth

7.26%

Trailing 12-Months

Learn more about TipRanks Smart Score

Top Smart Score Stocks >

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.

Bread Financial Holdings (0HCR) Earnings & Revenues

Historic Earnings Reports

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 summaries

0HCR Stock 12 Month Forecast

Average Price Target

$119.18

▲(9.33% Upside)

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Detailed Analyst Forecast >