Bread Financial Holdings (BFH) Aktienübersicht
Bread Financial Holdings, Inc. bietet technologieorientierte Zahlungs- und Kreditlösungen für Kunden und verbraucherorientierte Branchen in Nordamerika. Mehr Details
| Schneeflocken-Punktzahl | |
|---|---|
| Bewertung | 5/6 |
| Künftiges Wachstum | 0/6 |
| Vergangene Leistung | 4/6 |
| Finanzielle Gesundheit | 5/6 |
| Dividenden | 2/6 |
Belohnungen
Risikoanalyse
BFH Community Fair Values
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Analyst Price Targets
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RO
Community Contributor
Highly profitable bank. Overvaluated / Hold.
Bread Financial Holdings Inc. (NYSE BFH) is a highly profitable bank focused on growing its portfolio of receivables, partners and customers.
View narrativeUS$50
FV
116.1% überbewertet intrinsischer Abschlag6.54%
Revenue growth p.a.
23
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Bread Financial Holdings, Inc. Wettbewerber
Preisentwicklung & Leistung
| Historische Aktienkurse | |
|---|---|
| Aktueller Aktienkurs | US$108.07 |
| 52-Wochen-Hoch | US$111.13 |
| 52-Wochen-Tief | US$53.83 |
| Beta | 1.13 |
| 1 Monat Veränderung | 2.56% |
| 3 Monate Veränderung | 26.63% |
| 1 Jahr Veränderung | 87.75% |
| 3 Jahre Veränderung | 166.58% |
| 5 Jahre Veränderung | 14.70% |
| Veränderung seit IPO | 671.93% |
Aktuelle Nachrichten und Updates
Recent updates
Narrative-Update • Jul 22
BFH: Credit Trends And Loan Growth Will Face Q2 Execution Test
Analysts have raised the fair value estimate for Bread Financial Holdings to $110.00 from $105.75. The change reflects Street research that generally points to better credit trends, improving loan growth, and updated earnings expectations that support a slightly higher long-term valuation multiple, despite a modestly higher discount rate.Narrative-Update • Jul 08
BFH: Improving Credit Trends And Loan Growth Are Expected To Support Steady Upside
The analyst price target for Bread Financial Holdings has been raised from $96.19 to $105.75, with analysts citing better credit performance, improving loan growth, and updated earnings assumptions reflected in slightly higher revenue growth, profit margin, and future P/E inputs. Analyst Commentary Recent research on Bread Financial Holdings points to a cluster of higher price targets and rating changes, giving you a clearer picture of how Wall Street is sizing up the stock on credit quality, loan growth, and earnings power.Seeking Alpha • Jul 05
Bread Financial: A High-Quality Lender Trading At A Discount
Summary Bread Financial Holdings is emerging as a high-quality lender focused on disciplined, responsible loan growth and risk management. BFH's strategic diversification into digital banking, new lending products, and integrated payments platforms enhances stability and growth prospects. Recent results show 7% YoY credit sales growth, improved net loss and delinquency rates, and rising direct-to-consumer deposits. The market undervalues BFH as a cyclical lender, despite its prudent lending standards and diversified business model supporting a compelling valuation case. Read the full article on Seeking AlphaAnalyseartikel • Jun 20
Bread Financial Holdings (BFH) Stock Could Be 6.5% Overvalued After Analyst Upgrade
Bread Financial Holdings (BFH) has drawn fresh attention after an upgrade to a top analyst rating, supported by more optimistic earnings estimates, stronger institutional participation, and reinforcing signals from several technical indicators. See our latest analysis for Bread Financial Holdings. The recent upgrade comes after a strong run in Bread Financial Holdings' share price, with a 30-day share price return of 19.39% and a 90-day share price return of 37.24%. The 1-year total...
Narrative-Update • Jun 17
BFH: Improving Credit Trends May Not Sustain Enthusiasm For Larger Share Repurchases
Bread Financial Holdings' analyst price target has been nudged higher by $0.18 as analysts point to recent price target increases across the Street and supportive commentary around improving credit trends, loan growth, and management's constructive May card data update. Analyst Commentary Recent research updates on Bread Financial Holdings highlight a mix of optimism around credit trends and loan growth, alongside pockets of caution on execution and the durability of the current improvement.Narrative-Update • Jun 03
BFH: Capital Returns And Auto Partnership Are Expected To Support Steady Upside
The analyst price target for Bread Financial Holdings has been revised higher to $96.19 from $95.67 as analysts factor in slightly lower discount rates, modestly higher revenue growth and profit margin forecasts, and a small adjustment to the future P/E assumption, supported by recent research pointing to improving fundamentals and operating leverage. Analyst Commentary Recent Street research on Bread Financial Holdings has centered on how quickly the company can execute on its plan and how much of that progress is already reflected in the stock price.Narrative-Update • May 19
BFH: Future Credit Normalization Will Test Optimism Around Larger Share Repurchases
Analysts have lifted the Bread Financial Holdings price target by about $3.63 to $70.63, citing adjusted fair value estimates and updated assumptions around the discount rate, profit margin, and future P/E as key drivers of the change. Analyst Commentary Street research on Bread Financial Holdings in recent months has included a mix of higher price targets and more cautious resets, giving you a split picture of how professionals view the stock.Narrative-Update • May 05
BFH: Capital Returns And New Auto Partnership Will Support Future Upside
Bread Financial Holdings' updated analyst price target rises from $85.53 to $95.67, with analysts citing recent target changes and rating shifts across several firms as support for revisiting upside and risk assumptions. Analyst Commentary Recent Street research on Bread Financial Holdings reflects a mix of optimism and caution as analysts reassess their price targets and ratings.Narrative-Update • Apr 21
BFH: Credit And Capital Actions Will Support Balanced Risk Reward Outlook
The analyst price target for Bread Financial Holdings has been raised by about $2, as analysts factor in updated assumptions for fair value, discount rate, revenue growth, profit margin, and future P/E following a series of recent target changes across major firms. Analyst Commentary Recent Street research on Bread Financial Holdings shows a mix of price target increases and reductions in quick succession, reflecting active debate around valuation, execution, and growth durability.Narrative-Update • Apr 07
BFH: Future Credit Normalization Will Challenge Optimism Around Expanded Share Repurchases
The updated analyst price target for Bread Financial moves to $67, reflecting modestly higher revenue growth and a slightly lower discount rate, even as recent Street research shows mixed target changes across firms. Analyst Commentary Recent Street research on Bread Financial highlights a mix of higher and lower price targets, with some firms adjusting their views multiple times over the past few months.Narrative-Update • Mar 23
BFH: Credit Improvements And Capital Returns Will Support Measured Upside Potential
Narrative Update The analyst price target for Bread Financial Holdings has been adjusted slightly higher to about $83.53 from roughly $83.13, as analysts factor in updated views on revenue growth, profit margins, discount rates, and future P/E multiples following a series of recent upgrades and target increases across the Street. Analyst Commentary Recent research on Bread Financial Holdings has featured a cluster of target increases and rating changes, giving you a clearer picture of how the Street is weighing upside potential against execution and credit risk.Narrative-Update • Mar 09
BFH: Future Credit Normalization May Overturn Optimism From Expanded Share Repurchases
Analysts have raised their price targets for Bread Financial by a few dollars into the low to mid $80s, citing expectations for steadier credit trends, resilient consumer fundamentals, and incremental loan growth across the specialty finance group. Analyst Commentary Recent Street research on Bread Financial reflects a mix of optimism around credit normalization and capital returns, alongside a clear thread of caution on execution, growth durability, and where the stock is trading relative to perceived risks.Narrative-Update • Feb 23
BFH: Future Credit Trends May Undermine Recent Share Repurchase Support
The analyst fair value estimate for Bread Financial has been updated from $51.00 to $64.00. Analysts attribute this change to recent price target increases, an improved profit margin outlook, and expectations for steadier credit trends in consumer finance as key drivers of the shift.Narrative-Update • Feb 09
BFH: Credit And Capital Improvements Set Stage For Measured Future Upside
Analysts have modestly lifted their fair value estimate for Bread Financial Holdings from about $80 to about $83, citing updated sector outlooks, recent price target increases across multiple firms, and expectations for stable fundamentals alongside improving credit metrics. Analyst Commentary Recent Street research on Bread Financial Holdings shows a mix of optimism around credit trends and capital structure, balanced by ongoing caution on the business model and sector risks.Narrative-Update • Jan 25
BFH: Credit Execution And Capital Returns Will Drive Future Upside Potential
Analysts have nudged their price expectations for Bread Financial higher, with the fair value estimate moving from about US$78.87 to roughly US$80.07, citing recent target increases across the Street that reflect steady views on credit quality, loan growth, and the broader specialty finance outlook. Analyst Commentary Recent research on Bread Financial points to a mix of optimism and caution, with price targets generally reset higher but ratings spread across the spectrum from Underweight to Neutral and Hold.Narrative-Update • Jan 11
BFH: Credit And Capital Actions Will Support Balanced But Cautious Outlook
Analysts have raised their implied fair value estimate for Bread Financial to about $78.87 from $71.14, reflecting higher published price targets across the Street as they factor in sector level adjustments in specialty finance, a slightly higher assumed future P/E multiple near 10.8x, and modest tweaks to discount rate, revenue growth, and profit margin inputs. Analyst Commentary Recent research updates around Bread Financial point to a mixed but generally constructive reset of expectations, with multiple firms revising price targets and reassessing risk and reward across the specialty finance space.Narrative-Update • Dec 15
BFH: Credit Improvements Will Support Resilient Earnings Amid Persistent Consumer And Macro Risks
Analysts have nudged their average price target for Bread Financial Holdings higher to approximately $71.14 from about $70.20, citing improving credit trends, modest reserve releases, and a more stable outlook that support slightly stronger profitability and valuation assumptions. Analyst Commentary Analyst reactions following the latest quarterly results point to a more balanced but still risk aware stance on Bread Financial, with incremental optimism on credit quality offset by persistent concerns around the more vulnerable ends of its customer base.Narrative-Update • Nov 28
BFH: Future Credit Performance Will Remain Resilient Amid Consumer and Macro Risks
The analyst price target for Bread Financial Holdings has increased, with estimates rising from $64 to $70 per share. Analysts cite improving credit trends and stable quarterly performance as key reasons for their updated outlook.Narrative-Update • Nov 13
BFH: Improving Credit Trends Will Drive Further Stability In 2024
Bread Financial Holdings received an updated analyst price target, rising by $6 to $70. Analysts cite stable outlooks and improving credit trends following the company’s recent earnings results.Narrative-Update • Oct 30
BFH: Improving Credit Trends And Dividend Hike Will Drive Shareholder Value
Bread Financial Holdings has seen its analyst price target increase from $67.33 to $70.20. Analysts point to improved credit trends and a stable earnings outlook as supporting factors for the upward revision.Narrative-Update • Oct 13
Technology Modernization And Digital Expansion Will Secure Future Resilience
Bread Financial Holdings' analyst price target has been revised downward from approximately $69.40 to $67.33. This reflects analysts' cautious view on slightly weaker near-term growth, balanced by improving credit and capital positions in the sector.Analyseartikel • Aug 04
Bread Financial Holdings (NYSE:BFH) Has Announced A Dividend Of $0.21
Bread Financial Holdings, Inc. ( NYSE:BFH ) will pay a dividend of $0.21 on the 12th of September. This means the...Analyseartikel • Apr 27
Bread Financial Holdings (NYSE:BFH) Has Announced A Dividend Of $0.21
The board of Bread Financial Holdings, Inc. ( NYSE:BFH ) has announced that it will pay a dividend on the 13th of June...Analyseartikel • Feb 02
Bread Financial Holdings' (NYSE:BFH) Dividend Will Be $0.21
The board of Bread Financial Holdings, Inc. ( NYSE:BFH ) has announced that it will pay a dividend of $0.21 per share...Seeking Alpha • Nov 11
Bread Financial Holdings: TBV Has Nearly Tripled, Trading At Nearly 57% Discount To Peers
Summary Bread Financial Holdings, formerly Alliance Data Systems, partners with retailers to offer credit cards and buy now/pay later products, focusing on small-to-medium businesses for growth. Despite near-term headwinds, Bread targets mid-to-high single-digit loan growth and ROTCE in the mid-to-high 20% range, with a strong capital position. Management has significantly reduced debt, increased CET1 ratio, and grown DTC deposits, aiming for 50% of total funding to lower capital costs. Future capital allocation focuses on debt management, core business investment, and potential shareholder returns through buybacks or dividends, currently yielding ~1.7%. Read the full article on Seeking AlphaAnalyseartikel • Oct 27
Bread Financial Holdings (NYSE:BFH) Has Announced A Dividend Of $0.21
The board of Bread Financial Holdings, Inc. ( NYSE:BFH ) has announced that it will pay a dividend of $0.21 per share...
Neues Narrative • Sep 24
CFPB Regulations And Economic Pressures Darken Revenue Prospects For Company Financial
Regulatory challenges and economic pressures are leading to changes in pricing, fee structures, and credit policies, potentially reducing consumer borrowing and spending.Seeking Alpha • Aug 22
Bread Financial: Still Bullish Via Put Option Sales
Summary Bread Financial, a consumer lender, saw a 30% rally in shares since May. Second quarter results showed a decline in net interest income due to weak loan demand, but the company has a strong cash balance. Instead of buying shares, consider selling cash secured puts with a $50 strike price to earn income and potentially buy shares at a lower price. Read the full article on Seeking AlphaAnalyseartikel • Jul 28
Bread Financial Holdings (NYSE:BFH) Has Affirmed Its Dividend Of $0.21
Bread Financial Holdings, Inc. ( NYSE:BFH ) will pay a dividend of $0.21 on the 13th of September. Including this...Seeking Alpha • May 28
Bread Financial: Upside Potential Beyond 52 Week High
Summary Bread Financial specializes in consumer loans and has experienced a strong appreciation in share price. The bank's first-quarter earnings performance showed a decline in net interest income but the lender managed to control expenses. Despite potential risks such as delinquencies and losses, analysts project Bread Financial's earnings to rise in the future. Read the full article on Seeking AlphaSeeking Alpha • Feb 14
Consumer Spending Remains Strong, Sticking With Bread Financial
Summary Excess savings from the pandemic are decreasing, but positive real wages and low unemployment are supporting robust domestic spending. Holiday shopping trends were strong, with significant growth in buy now, pay later activity. Bread Financial, a financial services company, has a high earnings growth potential and attractive valuation, with shares trading at a low multiple. I outline key price levels to watch on this rebounding, high-risk, stock. Read the full article on Seeking AlphaAktionärsrenditen
| BFH | US Consumer Finance | US Markt | |
|---|---|---|---|
| 7D | 3.6% | 0.5% | 0.9% |
| 1Y | 87.8% | 5.3% | 17.5% |
Rendite im Vergleich zur Industrie: BFH übertraf die Branche US Consumer Finance , die im vergangenen Jahr eine Rendite von 5.3 erzielte.
Rendite vs. Markt: BFH übertraf den Markt US, der im vergangenen Jahr eine Rendite von 17.5 erzielte.
Preisvolatilität
| BFH volatility | |
|---|---|
| BFH Average Weekly Movement | 4.8% |
| Consumer Finance Industry Average Movement | 6.9% |
| Market Average Movement | 7.2% |
| 10% most volatile stocks in US Market | 16.3% |
| 10% least volatile stocks in US Market | 3.2% |
Stabiler Aktienkurs: BFH hatte in den letzten 3 Monaten im Vergleich zum US -Markt keine signifikante Preisvolatilität.
Volatilität im Zeitverlauf: BFHDie wöchentliche Volatilität (5%) ist im vergangenen Jahr stabil geblieben.
Über das Unternehmen
| Gegründet | Mitarbeiter | CEO | Website |
|---|---|---|---|
| 1995 | 6,000 | Ralph Andretta | www.breadfinancial.com |
Bread Financial Holdings, Inc. bietet technologieorientierte Zahlungs- und Kreditlösungen für Kunden und verbraucherorientierte Branchen in Nordamerika. Das Unternehmen bietet Kreditkarten- und andere Kreditfinanzierungsdienste an, einschließlich Risikomanagementlösungen, Underwriting und Finanzierungsdienste für Eigenmarken- und Co-Brand-Kreditkartenprogramme sowie über Bread Pay-Partnerschaften. Das Unternehmen verwaltet und betreut auch die Kredite, die es für Eigenmarken-, Co-Branding- und allgemeine Kreditkartenprogramme sowie für Ratenkredite und Split-Pay-Produkte vergibt, und bietet Marketing-, Daten- und Analysedienste an.
Bread Financial Holdings, Inc.'s Grundlagenzusammenfassung
| BFH grundlegende Statistiken | |
|---|---|
| Marktanteil | US$4.25b |
| Gewinn(TTM) | US$565.00m |
| Umsatz(TTM) | US$2.67b |
7.3x
Kurs-Gewinn-Verhältnis 1.6x
Kurs-Umsatz-VerhältnisIst BFH zu teuer?
Siehe Fair Value und BewertungsanalyseErträge & Einnahmen
| BFH Gewinn- und Verlustrechnung (TTM) | |
|---|---|
| Einnahmen | US$2.67b |
| Kosten der Einnahmen | US$0 |
| Bruttogewinn | US$2.67b |
| Sonstige Ausgaben | US$2.10b |
| Gewinn | US$565.00m |
Zuletzt gemeldete Gewinne
Jun 30, 2026
Datum des nächsten Gewinnberichts
k.A.
| Gewinn per Aktie (EPS) | 14.71 |
| Bruttomarge | 100.00% |
| Nettogewinnspanne | 21.18% |
| Schulden/Eigenkapital-Verhältnis | 97.6% |
Wie hat sich BFH auf lange Sicht entwickelt?
Historische Performance und VergleicheDividenden
0.9%
Aktuelle Dividendenrendite7%
AusschüttungsquoteZahlt BFH eine zuverlässige Dividende?
Siehe BFH Dividendenhistorie und Benchmarks| Bread Financial Holdings Dividendentermine | |
|---|---|
| Ex-Dividenden Datum | Aug 31 2026 |
| Datum der Dividendenzahlung | Sep 15 2026 |
| Tage bis Ex-Dividende | 27 days |
| Tage bis zum Datum der Dividendenzahlung | 42 days |
Zahlt BFH eine zuverlässige Dividende?
Siehe BFH Dividendenhistorie und BenchmarksUnternehmensanalyse und Finanzdaten Status
| Daten | Zuletzt aktualisiert (UTC-Zeit) |
|---|---|
| Unternehmensanalyse | 2026/07/31 13:19 |
| Aktienkurs zum Tagesende | 2026/07/31 00:00 |
| Gewinne | 2026/06/30 |
| Jährliche Einnahmen | 2025/12/31 |
Datenquellen
Die in unserer Unternehmensanalyse verwendeten Daten stammen von S&P Global Market Intelligence LLC. Die folgenden Daten werden in unserem Analysemodell verwendet, um diesen Bericht zu erstellen. Die Daten sind normalisiert, was zu einer Verzögerung bei der Verfügbarkeit der Quelle führen kann.
| Paket | Daten | Zeitrahmen | Beispiel US-Quelle * |
|---|---|---|---|
| Finanzdaten des Unternehmens | 10 Jahre |
| |
| Konsensschätzungen der Analysten | +3 Jahre |
|
|
| Marktpreise | 30 Jahre |
| |
| Eigentümerschaft | 10 Jahre |
| |
| Verwaltung | 10 Jahre |
| |
| Wichtige Entwicklungen | 10 Jahre |
|
* Beispiel für US-Wertpapiere, für nicht-US-amerikanische Wertpapiere werden gleichwertige regulatorische Formulare und Quellen verwendet.
Sofern nicht anders angegeben, beziehen sich alle Finanzdaten auf einen Jahreszeitraum, werden aber vierteljährlich aktualisiert. Dies wird als Trailing Twelve Month (TTM) oder Last Twelve Month (LTM) Daten bezeichnet. Erfahren Sie mehr.
Analysemodell und Schneeflocke
Details zum Analysemodell, mit dem dieser Bericht erstellt wurde, finden Sie auf unserer Github-Seite; außerdem bieten wir Leitfäden zur Nutzung unserer Berichte und Tutorials auf Youtube an.
Erfahren Sie mehr über das Weltklasse-Team, das das Simply Wall St-Analysemodell entworfen und entwickelt hat.
Metriken für Industrie und Sektor
Unsere Branchen- und Sektionskennzahlen werden alle 6 Stunden von Simply Wall St berechnet. Details zu unserem Verfahren finden Sie auf Github.
Analysten-Quellen
Bread Financial Holdings, Inc. wird von 42 Analysten beobachtet. 14 dieser Analysten hat die Umsatz- oder Gewinnschätzungen übermittelt, die als Grundlage für unseren Bericht dienen. Die von den Analysten übermittelten Daten werden im Laufe des Tages aktualisiert.
| Analyst | Einrichtung |
|---|---|
| Jeffrey Meuler | Baird |
| Darrin Peller | Barclays |
| Terry Ma | Barclays |