BFH Bread Financial Holdings Inc

$74.59

*Only the 1D chart reflects 15-min delayed quotes during market hours. Other timeframes update after market close.

Reporting for fiscal period ending 2025-12-31
Expected on Jan 22, 2026
Report Time: Unknown Release Time
The Whisper Number
$0.43
Consensus Estimate: $0.35
Revenue Estimate: $956.91M

Latest Earnings Insight

Bread Financial Holdings is poised for its upcoming earnings announcement on October 23, with market watchers keenly observing whether the company can surpass the whisper number of $2.46 in earnings per share, a figure that suggests higher expectations than the consensus EPS estimate of $2.15. With a market cap of approximately $2.52 billion, Bread Financial has been navigating a challenging economic landscape, yet its strategic focus on expanding digital payment solutions could be a pivotal factor in driving revenue growth, projected at $968.26 million. Investors will be particularly interested in how these strategic initiatives translate into financial performance, especially in light of the absence of recent news that might otherwise provide additional context. As the company continues to adapt to evolving market demands, its ability to meet or exceed these earnings expectations will be crucial in shaping investor sentiment and future valuation.

Updated On 1/6/2026

About Bread Financial Holdings Inc

Bread Financial Holdings Inc. provides lending and payment technology solutions to customers and consumer-based industries in North America. The company is headquartered in Columbus, Ohio.

Website: https://www.breadfinancial.com

Sector
TRADE & SERVICES
Industry
SERVICES-BUSINESS SERVICES, NEC
Exchange
NYSE
Country
USA
Currency
USD
Fiscal Year End
December
CIK
1101215
Address
3075 LOYALTY CIRCLE, COLUMBUS, OH, US
Valuation
Market Cap
$2.26B
P/E Ratio
8.46
PEG Ratio
1.41
Price to Book
0.74
Performance
EPS
$5.54
Dividend Yield
1.79%
Profit Margin
11.40%
ROE
9.35%
Technicals
50D MA
$51.64
200D MA
$54.18
52W High
$66.48
52W Low
$33.03
Fundamentals
Shares Outstanding
48M
Target Price
$59.57
Beta
1.61

BFH EPS Estimates vs Actual

Estimated
Actual

BFH News & Sentiment

Dec 30, 2025 • 富途牛牛 SOMEWHAT-BEARISH
Bread Financial Holdings Inc. Stock Underperforms Monday When Compared To Competitors
Bread Financial Holdings Inc. (BFH) stock underperformed its competitors on Monday, declining by 0.49%. The article also briefly mentions Unity Software (U.US) which reported higher than expected Q4 revenue but a quarterly loss. Due to copyright issues, further details about Bread Financial's performance relative to competitors are not fully elaborated in the provided content.
Dec 24, 2025 • MarketBeat SOMEWHAT-BULLISH
Wedge Capital Management L L P NC Acquires Shares of 20,733 Bread Financial Holdings, Inc. $BFH
Wedge Capital Management L L P NC has acquired 20,733 shares of Bread Financial Holdings, Inc. (NYSE:BFH), valued at approximately $1.156 million, during the third quarter. This acquisition comes as Bread Financial reported strong quarterly earnings, beating analyst estimates with an EPS of $4.02 and revenue of $1.24 billion. The company also increased its quarterly dividend to $0.23, and the stock is trading near its 52-week high with a "Hold" rating from analysts.
Dec 24, 2025 • MarketBeat SOMEWHAT-BEARISH
Bread Financial (NYSE:BFH) Lowered to "Hold" Rating by Zacks Research
Zacks Research has downgraded Bread Financial (NYSE:BFH) from a "strong-buy" to a "hold" rating, reflecting varied analyst opinions despite the company’s recent earnings beat. The stock currently holds a consensus "Hold" rating with an average price target of $70.18. Bread Financial reported strong quarterly EPS and revenue ($4.02 EPS vs. $2.11 expected and $1.24B revenue vs. $974.3M expected) but saw a 1.2% year-over-year revenue decline.
Dec 24, 2025 • Finviz BEARISH
2 Reasons to Avoid BFH and 1 Stock to Buy Instead
Despite a recent impressive run, Bread Financial Holdings Inc (BFH) is identified as a stock to avoid due to disappointing long-term revenue growth and stalled EPS growth over the last five years. The article suggests that while the stock appears cheap at 8.7x forward P/E, its shaky fundamentals present significant potential downside. It recommends focusing on other high-quality growth stocks instead, citing past successes like Nvidia and Tecnoglass.
Dec 19, 2025 • Investing.com Australia NEUTRAL
Bread Financial Holdings stock hits 52-week high at 77.21 USD
Bread Financial Holdings Inc. stock has reached a 52-week high of $77.21, reflecting a strong performance with a 45.75% surge over six months and a 27.67% increase over the last year. Despite this rally, its P/E ratio of 7.81 suggests it might still be undervalued according to InvestingPro data. The company has also maintained dividend payments for 10 consecutive years and recently reported a decrease in its credit card net loss rate.
Dec 18, 2025 • TradingView — Track All Markets NEUTRAL
Fitch Rates Bread Financial's Preferred Equity 'B-'
Fitch Ratings has assigned a 'B-' rating to Bread Financial Holdings' (BFH) Perpetual, Non-Cumulative Preferred Stock issuance of November 20, 2025. The rating, which is four notches below BFH's 'bb' Viability Rating, reflects two notches for loss severity and two for non-performance risk. BFH plans to use the proceeds for general corporate purposes, including potential contributions to subsidiary banks and share repurchases.
Sentiment Snapshot

Average Sentiment Score:

0.175
50 articles with scored sentiment

Overall Sentiment:

Bullish

BFH Reported Earnings

Jul 24, 2025
Jun 30, 2025 (Pre market)
1.2 Surprise
  • Reported EPS: $3.14
  • Estimate: $1.94
  • Whisper:
  • Surprise %: 61.9%
Apr 24, 2025
Mar 31, 2025 (Pre market)
0.67 Surprise
  • Reported EPS: $2.90
  • Estimate: $2.23
  • Whisper:
  • Surprise %: 30.0%
Jan 30, 2025
Dec 31, 2024 (Pre market)
0.09 Surprise
  • Reported EPS: $0.41
  • Estimate: $0.32
  • Whisper:
  • Surprise %: 28.1%
Oct 24, 2024
Sep 30, 2024 (Pre market)
-0.11 Surprise
  • Reported EPS: $1.84
  • Estimate: $1.95
  • Whisper:
  • Surprise %: -5.6%
Jul 25, 2024
Jun 30, 2024 (Pre market)
0.89 Surprise
  • Reported EPS: $2.66
  • Estimate: $1.77
  • Whisper:
  • Surprise %: 50.3%
Apr 25, 2024
Mar 31, 2024 (Pre market)
-0.32 Surprise
  • Reported EPS: $2.70
  • Estimate: $3.02
  • Whisper:
  • Surprise %: -10.6%
Jan 25, 2024
Dec 31, 2023 (Pre market)
1.78 Surprise
  • Reported EPS: $0.90
  • Estimate: $-0.88
  • Whisper:
  • Surprise %: 202.3%
Oct 26, 2023
Sep 30, 2023 (Pre market)
1.14 Surprise
  • Reported EPS: $3.46
  • Estimate: $2.32
  • Whisper:
  • Surprise %: 49.1%
Jul 27, 2023
Jun 30, 2023 (Pre market)
1.12 Surprise
  • Reported EPS: $1.27
  • Estimate: $0.15
  • Whisper:
  • Surprise %: 746.7%

Financials