(BFH) Bread Financial Holdings - Overview
Exchange: NYSE •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US0185811082
Stock: Credit Card, Installment Loan, Digital Payment, Co-Brand
Total Rating 51
Risk 30
Buy Signal 1.03
EPS (Earnings per Share)
Revenue
Dividends
| Dividend Yield | 1.48% |
| Yield on Cost 5y | 2.16% |
| Yield CAGR 5y | 0.59% |
| Payout Consistency | 91.4% |
| Payout Ratio | 7.3% |
| Risk 5d forecast | |
|---|---|
| Volatility | 43.2% |
| Relative Tail Risk | -8.04% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 0.71 |
| Alpha | 9.69 |
| Character TTM | |
|---|---|
| Beta | 1.438 |
| Beta Downside | 1.784 |
| Drawdowns 3y | |
|---|---|
| Max DD | 43.29% |
| CAGR/Max DD | 0.64 |
Description: BFH Bread Financial Holdings January 11, 2026
Bread Financial Holdings Inc. (NYSE:BFH) delivers technology-driven payment and lending solutions across North America, focusing on private-label, co-brand, and general-purpose credit card programs as well as installment and split-pay products.
The firm originates, services, and manages loans, offering risk-management, account-origination, and funding services, while also providing marketing, data, and analytics capabilities through its Bread platform and a unified SDK that integrates credit options early in the shopper journey.
Key recent metrics: Q4 2023 revenue rose 12% YoY to $467 million, driven by a 15% increase in loan origination volume; the net interest margin stabilized at 3.4% despite a higher-for-long interest-rate environment; and the company’s credit-card portfolio now exceeds $4.2 billion in outstanding balances.
Sector drivers include resilient consumer spending on durable goods, elevated credit-card usage as inflation pressures persist, and the broader fintech trend toward embedded finance, which fuels demand for Bread’s API-first solutions.
For a deeper quantitative dive, you might explore BFH’s metrics on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 5.5
| Net Income: 518.0m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.09 > 0.02 and ΔFCF/TA 0.08 > 1.0 |
| NWC/Revenue: 135.9% < 20% (prev -202.4%; Δ 338.3% < -1%) |
| CFO/TA 0.09 > 3% & CFO 2.00b > Net Income 518.0m |
| Net Debt (704.0m) to EBITDA (694.0m): 1.01 < 3 |
| Current Ratio: 1.46 > 1.5 & < 3 |
| Outstanding Shares: last quarter (46.0m) vs 12m ago -8.73% < -2% |
| Gross Margin: 63.33% > 18% (prev 0.51%; Δ 6282 % > 0.5%) |
| Asset Turnover: 20.63% > 50% (prev 20.96%; Δ -0.33% > 0%) |
| Interest Coverage Ratio: 0.72 > 6 (EBITDA TTM 694.0m / Interest Expense TTM 854.0m) |
Altman Z'' 2.32
| A: 0.28 (Total Current Assets 20.30b - Total Current Liabilities 13.92b) / Total Assets 22.66b |
| B: 0.07 (Retained Earnings 1.48b / Total Assets 22.66b) |
| C: 0.03 (EBIT TTM 614.0m / Avg Total Assets 22.78b) |
| D: 0.08 (Book Value of Equity 1.46b / Total Liabilities 19.34b) |
| Altman-Z'' Score: 2.32 = BBB |
Beneish M 1.00
| DSRI: 117.6 (Receivables 16.70b/145.0m, Revenue 4.70b/4.80b) |
| GMI: 0.80 (GM 63.33% / 50.88%) |
| AQI: 0.12 (AQ_t 0.10 / AQ_t-1 0.82) |
| SGI: 0.98 (Revenue 4.70b / 4.80b) |
| TATA: -0.07 (NI 518.0m - CFO 2.00b) / TA 22.66b) |
| Beneish M-Score: 92.15 (Cap -4..+1) = D |
What is the price of BFH shares?
As of February 08, 2026, the stock is trading at USD 79.53 with a total of 765,008 shares traded.
Over the past week, the price has changed by +9.64%, over one month by -0.91%, over three months by +24.99% and over the past year by +28.60%.
Over the past week, the price has changed by +9.64%, over one month by -0.91%, over three months by +24.99% and over the past year by +28.60%.
Is BFH a buy, sell or hold?
Bread Financial Holdings has received a consensus analysts rating of 3.31.
Therefor, it is recommend to hold BFH.
- StrongBuy: 4
- Buy: 1
- Hold: 8
- Sell: 2
- StrongSell: 1
What are the forecasts/targets for the BFH price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 83.1 | 4.5% |
| Analysts Target Price | 83.1 | 4.5% |
| ValueRay Target Price | 84.8 | 6.6% |
BFH Fundamental Data Overview February 07, 2026
P/E Trailing = 7.7422
P/E Forward = 7.8431
P/S = 1.3522
P/B = 1.0171
P/EG = 0.5248
Revenue TTM = 4.70b USD
EBIT TTM = 614.0m USD
EBITDA TTM = 694.0m USD
Long Term Debt = 4.31b USD (from longTermDebt, last quarter)
Short Term Debt = 13.92b USD (from shortTermDebt, last quarter)
Debt = 4.31b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 704.0m USD (from netDebt column, last quarter)
Enterprise Value = 4.22b USD (3.52b + Debt 4.31b - CCE 3.60b)
Interest Coverage Ratio = 0.72 (Ebit TTM 614.0m / Interest Expense TTM 854.0m)
EV/FCF = 2.12x (Enterprise Value 4.22b / FCF TTM 2.00b)
FCF Yield = 47.23% (FCF TTM 2.00b / Enterprise Value 4.22b)
FCF Margin = 42.46% (FCF TTM 2.00b / Revenue TTM 4.70b)
Net Margin = 11.02% (Net Income TTM 518.0m / Revenue TTM 4.70b)
Gross Margin = 63.33% ((Revenue TTM 4.70b - Cost of Revenue TTM 1.72b) / Revenue TTM)
Gross Margin QoQ = 83.05% (prev 56.90%)
Tobins Q-Ratio = 0.19 (Enterprise Value 4.22b / Total Assets 22.66b)
Interest Expense / Debt = 4.62% (Interest Expense 199.0m / Debt 4.31b)
Taxrate = 14.98% (92.0m / 614.0m)
NOPAT = 522.0m (EBIT 614.0m * (1 - 14.98%))
Current Ratio = 1.46 (Total Current Assets 20.30b / Total Current Liabilities 13.92b)
Debt / Equity = 1.29 (Debt 4.31b / totalStockholderEquity, last quarter 3.33b)
Debt / EBITDA = 1.01 (Net Debt 704.0m / EBITDA 694.0m)
Debt / FCF = 0.35 (Net Debt 704.0m / FCF TTM 2.00b)
Total Stockholder Equity = 3.22b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.27% (Net Income 518.0m / Total Assets 22.66b)
RoE = 16.09% (Net Income TTM 518.0m / Total Stockholder Equity 3.22b)
RoCE = 8.16% (EBIT 614.0m / Capital Employed (Equity 3.22b + L.T.Debt 4.31b))
RoIC = 6.90% (NOPAT 522.0m / Invested Capital 7.56b)
WACC = 7.20% (E(3.52b)/V(7.83b) * Re(11.21%) + D(4.31b)/V(7.83b) * Rd(4.62%) * (1-Tc(0.15)))
Discount Rate = 11.21% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -3.70%
[DCF Debug] Terminal Value 82.42% ; FCFF base≈2.00b ; Y1≈2.22b ; Y5≈2.90b
Fair Price DCF = 1333 (EV 59.49b - Net Debt 704.0m = Equity 58.79b / Shares 44.1m; r=7.20% [WACC]; 5y FCF grow 12.88% → 2.90% )
EPS Correlation: 20.77 | EPS CAGR: -17.25% | SUE: 2.08 | # QB: 3
Revenue Correlation: 41.73 | Revenue CAGR: 6.69% | SUE: 4.0 | # QB: 4
EPS next Quarter (2026-03-31): EPS=2.94 | Chg30d=+0.201 | Revisions Net=+3 | Analysts=12
EPS current Year (2026-12-31): EPS=10.14 | Chg30d=+0.665 | Revisions Net=+9 | Growth EPS=-16.6% | Growth Revenue=+2.2%
EPS next Year (2027-12-31): EPS=11.73 | Chg30d=+0.573 | Revisions Net=+0 | Growth EPS=+15.7% | Growth Revenue=+3.6%
P/E Forward = 7.8431
P/S = 1.3522
P/B = 1.0171
P/EG = 0.5248
Revenue TTM = 4.70b USD
EBIT TTM = 614.0m USD
EBITDA TTM = 694.0m USD
Long Term Debt = 4.31b USD (from longTermDebt, last quarter)
Short Term Debt = 13.92b USD (from shortTermDebt, last quarter)
Debt = 4.31b USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 704.0m USD (from netDebt column, last quarter)
Enterprise Value = 4.22b USD (3.52b + Debt 4.31b - CCE 3.60b)
Interest Coverage Ratio = 0.72 (Ebit TTM 614.0m / Interest Expense TTM 854.0m)
EV/FCF = 2.12x (Enterprise Value 4.22b / FCF TTM 2.00b)
FCF Yield = 47.23% (FCF TTM 2.00b / Enterprise Value 4.22b)
FCF Margin = 42.46% (FCF TTM 2.00b / Revenue TTM 4.70b)
Net Margin = 11.02% (Net Income TTM 518.0m / Revenue TTM 4.70b)
Gross Margin = 63.33% ((Revenue TTM 4.70b - Cost of Revenue TTM 1.72b) / Revenue TTM)
Gross Margin QoQ = 83.05% (prev 56.90%)
Tobins Q-Ratio = 0.19 (Enterprise Value 4.22b / Total Assets 22.66b)
Interest Expense / Debt = 4.62% (Interest Expense 199.0m / Debt 4.31b)
Taxrate = 14.98% (92.0m / 614.0m)
NOPAT = 522.0m (EBIT 614.0m * (1 - 14.98%))
Current Ratio = 1.46 (Total Current Assets 20.30b / Total Current Liabilities 13.92b)
Debt / Equity = 1.29 (Debt 4.31b / totalStockholderEquity, last quarter 3.33b)
Debt / EBITDA = 1.01 (Net Debt 704.0m / EBITDA 694.0m)
Debt / FCF = 0.35 (Net Debt 704.0m / FCF TTM 2.00b)
Total Stockholder Equity = 3.22b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.27% (Net Income 518.0m / Total Assets 22.66b)
RoE = 16.09% (Net Income TTM 518.0m / Total Stockholder Equity 3.22b)
RoCE = 8.16% (EBIT 614.0m / Capital Employed (Equity 3.22b + L.T.Debt 4.31b))
RoIC = 6.90% (NOPAT 522.0m / Invested Capital 7.56b)
WACC = 7.20% (E(3.52b)/V(7.83b) * Re(11.21%) + D(4.31b)/V(7.83b) * Rd(4.62%) * (1-Tc(0.15)))
Discount Rate = 11.21% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -3.70%
[DCF Debug] Terminal Value 82.42% ; FCFF base≈2.00b ; Y1≈2.22b ; Y5≈2.90b
Fair Price DCF = 1333 (EV 59.49b - Net Debt 704.0m = Equity 58.79b / Shares 44.1m; r=7.20% [WACC]; 5y FCF grow 12.88% → 2.90% )
EPS Correlation: 20.77 | EPS CAGR: -17.25% | SUE: 2.08 | # QB: 3
Revenue Correlation: 41.73 | Revenue CAGR: 6.69% | SUE: 4.0 | # QB: 4
EPS next Quarter (2026-03-31): EPS=2.94 | Chg30d=+0.201 | Revisions Net=+3 | Analysts=12
EPS current Year (2026-12-31): EPS=10.14 | Chg30d=+0.665 | Revisions Net=+9 | Growth EPS=-16.6% | Growth Revenue=+2.2%
EPS next Year (2027-12-31): EPS=11.73 | Chg30d=+0.573 | Revisions Net=+0 | Growth EPS=+15.7% | Growth Revenue=+3.6%