Bread Financial Holdings, Inc.

Report azionario NYSE:BFH

Capitalizzazione di mercato: US$4.2b

Bread Financial Holdings Crescita futura

Criteri Future verificati 0/6

Si prevede che gli utili di Bread Financial Holdings diminuiranno a 2.3% all'anno, mentre si prevede che i suoi ricavi annuali cresceranno a 10.9% all'anno. Si prevede che l'EPS crescerà di 5.4% all'anno. Si prevede che il ritorno sul capitale proprio sarà 14.4% in 3 anni.

Informazioni chiave

-2.3%

Tasso di crescita degli utili

5.41%

Tasso di crescita dell'EPS

Consumer Finance crescita degli utili11.9%
Tasso di crescita dei ricavi10.9%
Rendimento futuro del capitale proprio14.39%
Copertura analitica

Good

Ultimo aggiornamento27 Jul 2026

Aggiornamenti recenti sulla crescita futura

Recent updates

Aggiornamento narrativa • 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.
Aggiornamento narrativa • 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 Alpha
Articolo di analisi • 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...
Aggiornamento narrativa • 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.
Aggiornamento narrativa • 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.
Aggiornamento narrativa • 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.
Aggiornamento narrativa • 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.
Aggiornamento narrativa • 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.
Aggiornamento narrativa • 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.
Aggiornamento narrativa • 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.
Aggiornamento narrativa • 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.
Aggiornamento narrativa • 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.
Aggiornamento narrativa • 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.
Aggiornamento narrativa • 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.
Aggiornamento narrativa • 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.
Aggiornamento narrativa • 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.
Aggiornamento narrativa • 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.
Aggiornamento narrativa • 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.
Aggiornamento narrativa • 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.
Aggiornamento narrativa • 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.
Articolo di analisi • 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...
Articolo di analisi • 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...
Articolo di analisi • 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
Articolo di analisi • 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...
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Nuova narrativa • 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
Articolo di analisi • 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

Previsioni di crescita degli utili e dei ricavi

NYSE:BFH - Stime future degli analisti e dati finanziari passati (USD Millions )
DataRicaviUtiliFlusso di cassa liberoLiquidità dell'operazioneAvg. Numero di analisti
12/31/20284,305506N/AN/A6
12/31/20274,143493N/AN/A14
12/31/20263,998491N/AN/A13
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

Previsioni di crescita futura degli analisti

Guadagni vs tasso di risparmio: Si prevede che gli utili di BFH diminuiranno nei prossimi 3 anni ( -2.3% all'anno).

Guadagni vs Mercato: Si prevede che gli utili di BFH diminuiranno nei prossimi 3 anni ( -2.3% all'anno).

Guadagni ad alta crescita: Si prevede che gli utili di BFH diminuiranno nei prossimi 3 anni.

Ricavi vs Mercato: Si prevede che il fatturato di BFH ( 10.9% all'anno) crescerà più lentamente rispetto al mercato US ( 12.5% all'anno).

Ricavi ad alta crescita: Si prevede che il fatturato di BFH ( 10.9% all'anno) crescerà più lentamente di 20% all'anno.

Previsioni di crescita dell'utile per azione

Rendimento futuro del capitale proprio

ROE futuro: Si prevede che il Return on Equity di BFH sarà basso tra 3 anni ( 14.4 %).

Scoprire le aziende in crescita

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Analisi aziendale e situazione dei dati finanziari

DatiUltimo aggiornamento (ora UTC)
Analisi dell'azienda2026/07/31 12:00
Prezzo dell'azione a fine giornata2026/07/31 00:00
Utili2026/06/30
Utili annuali2025/12/31

Fonti dei dati

I dati utilizzati nella nostra analisi aziendale provengono da S&P Global Market Intelligence LLC. I seguenti dati sono utilizzati nel nostro modello di analisi per generare questo report. I dati sono normalizzati, il che può comportare un ritardo nella disponibilità della fonte.

PacchettoDatiTempisticaEsempio Fonte USA *
Dati finanziari della società10 anni
  • Conto economico
  • Rendiconto finanziario
  • Bilancio
Stime di consenso degli analisti+3 anni
  • Previsioni finanziarie
  • Obiettivi di prezzo degli analisti
Prezzi di mercato30 anni
  • Prezzi delle azioni
  • Dividendi, scissioni e azioni
Proprietà10 anni
  • Top azionisti
  • Insider trading
Gestione10 anni
  • Team di leadership
  • Consiglio di amministrazione
Sviluppi principali10 anni
  • Annunci aziendali

* Esempio per i titoli statunitensi, per i titoli non statunitensi si utilizzano forme e fonti normative equivalenti.

Se non specificato, tutti i dati finanziari si basano su un periodo annuale ma vengono aggiornati trimestralmente. Si tratta dei cosiddetti dati TTM (Trailing Twelve Month) o LTM (Last Twelve Month). Per saperne di più.

Modello di analisi e Snowflake

I dettagli del modello di analisi utilizzato per generare questo report sono disponibili sulla nostra pagina GitHub; abbiamo anche delle guide su come utilizzare i nostri report e dei tutorial su YouTube.

Scoprite il team di livello mondiale che ha progettato e realizzato il modello di analisi Simply Wall St.

Metriche di settore e industriali

Le nostre metriche di settore e di sezione sono calcolate ogni 6 ore da Simply Wall St; i dettagli del nostro processo sono disponibili su Github.

Fonti analitiche

Bread Financial Holdings, Inc. è coperta da 42 analisti. 14 di questi analisti ha fornito le stime di fatturato o di utile utilizzate come input per il nostro report. Le stime degli analisti vengono aggiornate nel corso della giornata.

AnalistaIstituzione
Jeffrey MeulerBaird
Darrin PellerBarclays
Terry MaBarclays