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BFH:NYSE
Bread Financial Holdings Inc
USD 98,05
+1,15%
(+1,11) 1D
2 Okt., 16:00:11 GMT-4  ·   USD
All symbols
SymbolPriceChange% Change
Generating top insights for BFH...
Open
USD 97,84
High
USD 99,22
Low
USD 96,75
Mkt. cap
3,77 mjd
Avg. vol.
557,85 k
Volume
40,00
52-wk high
USD 114,53
52-wk low
USD 53,83
Beta
1,15
Shares outstanding
38,42 m
No. of employees
6 k
Open
USD 97,84
High
USD 99,22
Low
USD 96,75
Mkt. cap
3,77 mjd
Avg. vol.
557,85 k
Volume
40,00
52-wk high
USD 114,53
52-wk low
USD 53,83
Beta
1,15
Shares outstanding
38,42 m
No. of employees
6 k
News stories
From web sources and news partners
Profile
Bread Financial Holdings, Inc. is an American publicly traded provider of private label credit cards, coalition loyalty programs, and direct marketing, derived from the capture and analysis of transaction-rich data. A significant portion of Bread Financial's revenue is generated through late fees charged to the subprime consumers it primarily serves. In October 2024 the Wall Street Journal reported that Bread Financial would raise its soft interest rate of 29.99% and add additional fees to customer accounts in anticipation of a Consumer Financial Protection Bureau ruling that would reduce its $41.00 late payment fee to $8.00. Wikipedia
About Bread Financial Holdings Inc
CEORalph Andretta
Employees6 k
Founded22 Apr. 1983
HeadquartersColumbus, Ohio, Verenigde State van Amerika
SectorPayment service provider
Analyst ratings
Based on 12 analysts giving stock ratings to BFH in the past 3 months
Buy
Buy
6
Hold
6
Sell
0
12-month forecast
Based on 12 Wall Street analysts offering 12 month price targets for BFH in the last 3 months.
Highest
Current USD 98,05
USD 130,00 (+32,59%)
Average
USD 118,33 (+20,68%)
Lowest
USD 107,00 (+9,13%)
Analyst
Recommendation
Action
Price target
Projected
Date
John Pancari
Evercore ISI
Buy
Maintained
USD 118,00
+20,3%
10/01/2026
Donald Fandetti
Wells Fargo
Hold
Reiterated
USD 115,00
+17,3%
09/30/2026
Terry Ma
Barclays
Hold
Maintained
USD 109,00
+11,2%
09/16/2026
Mihir Bhatia
Bank of America Securities
Buy
Reiterated
USD 129,00
+31,6%
09/15/2026
Moshe Orenbuch
TD Cowen
Hold
Maintained
USD 114,00
+16,3%
09/15/2026
Darrin Peller
Wolfe Research
Buy
Upgraded
USD 130,00
+32,6%
08/25/2026
Nicholas Holowko
Raymond James
Buy
Maintained
USD 127,00
+29,5%
08/03/2026
Bill Ryan
Seaport Global
Buy
Maintained
USD 119,00
+21,4%
07/27/2026
Ryan Nash
Goldman Sachs
Hold
Reiterated
USD 108,00
+10,1%
07/23/2026
Jeffrey Adelson
Morgan Stanley
Hold
Maintained
USD 107,00
+9,1%
07/24/2026
Jon Arfstrom
RBC Capital
Hold
Maintained
USD 115,00
+17,3%
07/23/2026
Sanjay Sakhrani
KBW
Buy
Maintained
USD 129,00
+31,6%
07/24/2026
Vincent Caintic
BTIG
Buy
Reiterated
USD 132,00
+34,6%
06/30/2026
Dominick Gabriele
Loop Capital Markets
Buy
Initiated
USD 104,00
+6,1%
05/21/2026
Hoang Nguyen
TD Cowen
Hold
Maintained
USD 95,00
-3,1%
05/15/2026
Last report
23 Jul. 2026
Fiscal period
Q2 2026
EPS / Est. (USD)
USD 3,55 / USD 2,77
+28,26%beat
Revenue / Est. (USD)
680,00 m / 959,92 m
-29,16%miss
Fiscal Q2 2026 earnings call
Waiting for the earnings call
At a glance
Insights from the latest news and reports
Previous reportsAll values in USD
Loading Previous Earnings...
Revenue
Net income
All values in USD
Sep. 2025
Des. 2025
Mrt. 2026
Jun. 2026
Revenue
672,00 m
602,00 m
715,00 m
680,00 m
Cost of goods sold
-
-
-
-
Cost of revenue
-
-
-
-
Research and development expenses
-
-
-
-
Total research and development expenses
-
-
-
-
Selling, general, and admin expenses
358,00 m
380,00 m
355,00 m
365,00 m
Operating expense
473,00 m
500,00 m
472,00 m
483,00 m
Total operating expenses
473,00 m
500,00 m
472,00 m
483,00 m
Operating income
199,00 m
102,00 m
243,00 m
197,00 m
Other non operating income
-
-
-
-
EBT including unusual items
196,00 m
47,00 m
243,00 m
197,00 m
EBT excluding unusual items
199,00 m
102,00 m
243,00 m
197,00 m
Income tax expense
8,00 m
-6,00 m
62,00 m
51,00 m
Effective tax rate
4,08%
-12,77%
25,51%
25,89%
Other operating expenses
115,00 m
120,00 m
117,00 m
118,00 m
Net income
188,00 m
54,00 m
181,00 m
146,00 m
Net profit margin
27,98%
8,97%
25,31%
21,47%
Earnings per share
4,02
2,07
4,18
3,55
Interest and investment income
-
-
-
-
Interest expense
-
-
-
-
Net interest expenses
-
-
-
-
Depreciation and amortization charges
-
-
-
-
EBITDA
-
-
-
-
Gain or loss from assets sale
-3,00 m
-
-
-
Insider transactions
Insider transactions data is drawn from third-party sources. Learn more
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Position
Type
Date
Shares
Amount
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