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Bread Financial Holdings Inc

BFH

64.050USD

+2.230+3.61%

Close 09/18, 16:00（ET）Quotes delayed by 15 min

2.98BMarket Cap

10.44P/E TTM



Bread Financial Holdings Inc

64.050

+2.230+3.61%

Overview Company Financials Analysis

TradingKey Stock Score

Overall Financial Health

Valuation Dimensions

Earnings Forecast

Price Momentum

Institutional Confidence

Risk Assessment

Peer Comparison

TradingKey Stock Score

Currency: USD Updated：2025-09-17

Key Insights

The company's fundamentals are relatively very healthy. Its valuation is considered fairly valued,and institutional recognition is very high. Over the past 30 days, multiple analysts have rated the company as a Hold. Despite an average stock market performance, the company shows strong fundamentals and technicals. The stock price is trading sideways between the support and resistance levels, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Industry Ranking

57 / 400

Overall Ranking

161 / 4723

Industry

Banking Services

Support & Resistance

No Data

Score Analysis

Current score

Previous score

Analyst Rating

Based on 16 analysts

Hold

Current Rating

70.231

Target Price

+11.50%

Upside Space

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Company Highlights

StrengthsRisks

Bread Financial Holdings, Inc. is a tech-forward financial services company. The Company is engaged in providing simple, personalized payment, lending, and saving solutions. The Company through its data insights and white-label technology, it delivers a comprehensive product suite, including private label and co-brand credit cards and buy now, pay later products (split-pay). It also offers direct-to-consumer solutions that give customers more access, and freedom through its branded Bread Cashback American Express Credit Card and Bread Savings products. The Company offers both direct-to-consumer retail deposit products as well as deposits sourced through contractual arrangements with various financial counterparties (often referred to as wholesale deposits). Its products are supported by various services and capabilities, including risk management, account origination and funding services; loan processing and servicing; marketing and data and analytics; and its Enhanced Digital Suite.

High Profit Growth

The company's net income leads the industry, with the latest annual income totaling USD 24.22.

High Dividend

The company is a high dividend payer, with the latest dividend payout ratio of 15.41%.

Stable Dividend

The company has regularly paid dividends over the past 5 years, with the latest dividend payout ratio of 15.41%.

Overvalued

The company’s latest PB is 0.91, at a high 3-year percentile range.

Institutional Selling

The latest institutional holdings are 50.93M shares, decreasing 8.78% quarter-over-quarter.

Held by The Vanguard

Star Investor The Vanguard holds 5.22M shares of this stock.

Lower Market Activity

The company has less investor interest, with a 20-day turnover ratio of -0.35.

Financial Health

Currency: USD Updated：2025-09-17

The company's current financial score is 8.67, which is higher than the Banking Services industry's average of 7.07. Its financial status is robust, and its operating efficiency is high. Its latest quarterly revenue reached 1.02B, representing a year-over-year decrease of 4.76%, while its net profit experienced a year-over-year decrease of 4.51%.

Score

Industry at a Glance

Previous score

8.88

Change

-0.21



Financials

8.51

Key Metrics

Cash and cash equivalents

Total assets

Total liabilities

Free cash flow

No Data



Quality of Earnings

9.52

Key Metrics

Total revenue

Operating profit

Total assets

SG&A

No Data



Operational Efficiency

9.59

Key Metrics

Cash flow from operating activities

Income after tax

No Data



Growth Potential

6.51

Key Metrics

Cash flow from operating activities

Total revenue

No Data



Shareholder Returns

9.23

Key Metrics

Free cash flow

No Data

Company Valuation

Currency: USD Updated：2025-09-17

The company’s current valuation score is 1.20, which is lower than the Banking Services industry's average of 1.34. Its current P/E ratio is 10.38, which is -17.05% below the recent high of 8.61 and 64.37% above the recent low of 3.70.

Score

Industry at a Glance

Previous score

1.20

Change

Valuation Dimensions

P/E

P/B

P/S

P/CF

Industry Ranking 57/400

No Data

Earnings Forecast

Currency: USD Updated：2025-09-17

The company’s current earnings forecast score is 6.88, which is lower than the Banking Services industry's average of 7.39. The average price target for Bread Financial Holdings Inc is 69.00, with a high of 98.00 and a low of 51.00.

Score

Industry at a Glance

Previous score

6.88

Change

Support & Resistance

No Data

Analyst Rating

Based on 16 analysts

Hold

Current Rating

70.231

Target Price

+13.61%

Upside Space

Strong Buy

Buy

Hold

Sell

Strong Sell

Peer Comparison

Total

Median

Average

Company name

Ratings

Analysts

Bread Financial Holdings Inc

BFH

American Express Co

AXP

Capital One Financial Corp

COF

Synchrony Financial

SYF

SoFi Technologies Inc

SOFI

Ally Financial Inc

ALLY

...

Financial Forecasting

EPS

Revenue

Net Profit

EBIT

No Data

Data disclaimer: Analyst ratings and target prices are provided by LSEG for informational purposes only and do not constitute investment advice.

Price Momentum

Currency: USD Updated：2025-09-17

The company’s current price momentum score is 6.79, which is lower than the Banking Services industry's average of 7.69. Sideways: Currently, the stock price is trading between the resistance level at 67.13 and the support level at 57.40, making it suitable for range-bound swing trading.

Score

Industry at a Glance

Previous score

7.16

Change

-0.37

Support & Resistance

No Data

Indicators



The Indicators feature provides value and direction analysis for various instruments under a selection of technical indicators, together with a technical summary.

This feature includes nine of the commonly used technical indicators: MACD, RSI, KDJ, StochRSI, ATR, CCI, WR, TRIX and MA. You may also adjust the timeframe depending on your needs.

Please note that technical analysis is only part of investment reference, and there is no absolute standard for using numerical values to assess direction. The results are for reference only, and we are not responsible for the accuracy of the indicator calculations and summaries.

Indicators

Sell(2)

Neutral(3)

Buy(2)

Indicators

Value

Direction

MACD(12,26,9)

-0.810

Neutral

RSI(14)

53.542

Neutral

STOCH(KDJ)(9,3,3)

32.064

Buy

ATR(14)

1.847

Low Volatility

CCI(14)

-64.234

Neutral

Williams %R

59.758

Sell

TRIX(12,20)

0.186

Sell

StochRSI(14)

100.000

Buy

Moving Average

Sell(1)

Neutral(0)

Buy(5)

Indicators

Value

Direction

MA5

63.186

Buy

MA10

63.995

Buy

MA20

64.259

Sell

MA50

62.189

Buy

MA100

57.600

Buy

MA200

56.921

Buy

Institutional Confidence

Currency: USD Updated：2025-09-17

The company’s current institutional recognition score is 10.00, which is higher than the Banking Services industry's average of 6.22. The latest institutional shareholding proportion is 109.19%, representing a quarter-over-quarter decrease of 0.52%. The largest institutional shareholder is The Vanguard, holding a total of 5.22M shares, representing 11.19% of shares outstanding, with 4.49% decrease in holdings.

Score

Industry at a Glance

Previous score

10.00

Change

Institutional Shareholding

No Data

Shareholder Activity

Name

Shares Held

Chg %

The Vanguard Group, Inc.

Star Investors

5.50M

-5.53%

BlackRock Institutional Trust Company, N.A.

4.43M

-0.03%

Turtle Creek Asset Management Inc.

4.00M

+7.05%

Dimensional Fund Advisors, L.P.

3.09M

-2.09%

State Street Global Advisors (US)

1.98M

-4.41%

Franklin Mutual Advisers, LLC

1.41M

+23.22%

American Century Investment Management, Inc.

1.46M

+5.77%

Arrowstreet Capital, Limited Partnership

985.68K

+0.13%

Jacobs Levy Equity Management, Inc.

1.21M

-2.83%

Geode Capital Management, L.L.C.

1.19M

+3.15%

Risk Assessment

Currency: USD Updated：2025-09-17

The company’s current risk assessment score is 4.70, which is lower than the Banking Services industry's average of 5.23. The company's beta value is 1.44. This indicates that the stock tends to outperform the index during upward trending markets but experiences larger declines during downward trending markets.