Bread Financial Holdings, Inc.

NYSE:BFH Lagerbericht

Marktkapitalisierung: US$4.2b

Bread Financial Holdings Zukünftiges Wachstum

Future Kriterienprüfungen 0/6

Der Gewinn von Bread Financial Holdings wird voraussichtlich um 1.8% pro Jahr zurückgehen, während der Jahresumsatz um 10.8% pro Jahr wachsen soll. Der Gewinn je Aktie wird voraussichtlich um 5.8% pro Jahr steigen. Die Eigenkapitalrendite wird in 3 Jahren voraussichtlich 14.5% betragen.

Wichtige Informationen

-1.8%

Wachstumsrate der Gewinne

5.81%

EPS-Wachstumsrate

Consumer Finance Gewinnwachstum12.2%
Wachstumsrate der Einnahmen10.8%
Zukünftige Eigenkapitalrendite14.49%
Analystenabdeckung

Good

Zuletzt aktualisiert03 Aug 2026

Jüngste Aktualisierungen zum künftigen Wachstum

Recent updates

Seeking Alpha 17h

Bread Financial: 8.6% Yield Opportunity On Series A Preferred Shares

Summary Bread Financial offers compelling income opportunities through its Series A preferred shares, currently yielding 8.6%. BFH's robust net interest margin of 18.5% and high asset yields are supported by strong deposit and loan growth. Deposit growth outpaces loans, reducing reliance on external financing and improving the loan-to-deposit ratio to 111%. Given the common stock's sharp rally, I favor BFH.PA preferreds for stable income amid flat net interest income. Read the full article on Seeking Alpha
Narrative-Update Aug 05

BFH: Improving Credit Trends May Not Offset Rising Execution Risk

The analyst price target for Bread Financial Holdings has been revised higher to $88.50 from $70.81, as analysts point to stronger Q2 earnings, improving credit trends, accelerating loan growth, and updated guidance as key supports for the stock's valuation. Analyst Commentary Recent research on Bread Financial Holdings has turned more constructive overall, with multiple firms lifting their price targets following Q2 results and updated guidance.
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.
Analyseartikel 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 Alpha
Analyseartikel 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...
User avatar
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 Alpha
Analyseartikel 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 Alpha
Seeking 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 Alpha

Gewinn- und Umsatzwachstumsprognosen

NYSE:BFH - Zukünftige Analystenschätzungen und Finanzdaten der Vergangenheit (USD Millions)
DatumUmsatzGewinneFreier CashflowBargeld aus operativen TätigkeitenDurchschn. Anz. Analysten
12/31/20284,326522N/AN/A6
12/31/20274,151495N/AN/A14
12/31/20263,996491N/AN/A14
6/30/20262,6685652,1932,193N/A
3/31/20262,6445582,1862,186N/A
12/31/20252,6035212,0922,092N/A
9/30/20252,5094752,0032,003N/A
6/30/20252,4522901,8541,854N/A
3/31/20252,4452861,8051,805N/A
12/31/20242,4412791,8591,859N/A
9/30/20242,4673161,9971,997N/A
6/30/20242,5794872,1702,170N/A
3/31/20242,5484172,0362,036N/A
12/31/20233,0607371,9871,987N/A
9/30/20232,8675591,8671,867N/A
6/30/20232,8155191,8461,846N/A
3/31/20232,6864681,7491,749N/A
12/31/20222,2322241,8481,848N/A
9/30/20222,3834181,6611,686N/A
6/30/20222,3974901,5041,553N/A
3/31/20222,6877401,4511,523N/A
12/31/20212,7287971,5431,543N/A
9/30/20212,3527431,5271,602N/A
6/30/20212,3906711,4861,549N/A
3/31/20212,2064461,7771,828N/A
12/31/20202,0322081,8291,883N/A
9/30/20202,8613311,1151,176N/A
6/30/20203,1343191,1191,196N/A
3/31/20203,488415N/A1,179N/A
12/31/20192,862497N/A1,218N/A
9/30/20194,036687N/A2,260N/A
6/30/20194,126855N/A2,523N/A
3/31/20194,130944N/A2,716N/A
12/31/20184,108946N/A2,755N/A
9/30/20184,576964N/A2,866N/A
6/30/20185,049908N/A2,898N/A
3/31/20185,493822N/A2,777N/A
12/31/20173,879769N/A2,599N/A
9/30/20175,818528N/A2,518N/A
6/30/20175,781502N/A2,382N/A
3/31/20175,802438N/A2,306N/A
12/31/20165,769432N/A2,127N/A
9/30/20165,802566N/A2,029N/A
6/30/20165,611487N/A1,897N/A
3/31/20165,458545N/A1,811N/A
12/31/20155,441552N/A1,760N/A
9/30/20155,262460N/A1,407N/A

Analystenprognosen zum zukünftigen Wachstum

Einkommen vs. Sparrate: BFHFür die nächsten 3 Jahre wird ein Rückgang der Gewinne prognostiziert (-1.8% pro Jahr).

Ertrag vs. Markt: BFHFür die nächsten 3 Jahre wird ein Rückgang der Gewinne prognostiziert (-1.8% pro Jahr).

Hohe Wachstumserträge: BFHFür die nächsten 3 Jahre wird mit einem Rückgang der Erträge gerechnet.

Einnahmen vs. Markt: BFHDie Einnahmen des Unternehmens (10.8% pro Jahr) werden voraussichtlich langsamer wachsen als der Markt US (12.9% pro Jahr).

Hohe Wachstumseinnahmen: BFHDie Einnahmen des Unternehmens (10.8% pro Jahr) werden voraussichtlich langsamer wachsen als 20% pro Jahr.


Wachstumsprognosen für den Gewinn je Aktie


Künftige Eigenkapitalrendite

Künftige Eigenkapitalrendite: BFHDie Eigenkapitalrendite des Unternehmens wird in 3 Jahren voraussichtlich niedrig sein (14.5%).


Wachstumsunternehmen entdecken

Unternehmensanalyse und Finanzdaten Status

DatenZuletzt aktualisiert (UTC-Zeit)
Unternehmensanalyse2026/08/11 05:33
Aktienkurs zum Tagesende2026/08/11 00:00
Gewinne2026/06/30
Jährliche Einnahmen2025/12/31

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.

PaketDatenZeitrahmenBeispiel US-Quelle *
Finanzdaten des Unternehmens10 Jahre
  • Gewinn- und Verlustrechnung
  • Kapitalflussrechnung
  • Bilanz
Konsensschätzungen der Analysten+3 Jahre
  • Finanzielle Vorausschau
  • Kursziele der Analysten
Marktpreise30 Jahre
  • Aktienkurse
  • Dividenden, Splits und Aktionen
Eigentümerschaft10 Jahre
  • Top-Aktionäre
  • Insiderhandel
Verwaltung10 Jahre
  • Das Führungsteam
  • Direktorium
Wichtige Entwicklungen10 Jahre
  • Ankündigungen des Unternehmens

* 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.

AnalystEinrichtung
Jeffrey MeulerBaird
Darrin PellerBarclays
Terry MaBarclays