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Bread Financial Holdings, Inc. Stock Price

NYSE:BFH Community·US$3.2b Market Cap
  • 4 Narratives written by author
  • 0 Comments on narratives written by author
  • 5 Fair Values set on narratives written by author

BFH Share Price Performance

US$73.05
9.92 (15.71%)
US$80.07
Fair Value
US$73.05
9.92 (15.71%)
8.8% undervalued intrinsic discount
US$80.07
Fair Value
Price US$73.05
AnalystConsensusTarget US$80.07
AnalystHighTarget US$98.00
AnalystLowTarget US$51.00

BFH Community Narratives

AnalystConsensusTarget·
Fair Value US$80.07 8.8% undervalued intrinsic discount

BFH: Improving Credit Trends And Dividend Hike Will Drive Shareholder Value

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AnalystHighTarget·
Fair Value US$93.79 22.1% undervalued intrinsic discount

Digital Payments And AI Will Fuel Embedded Credit Expansion

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AnalystLowTarget·
Fair Value US$51 43.2% overvalued intrinsic discount

Regulatory Pressures And Payment Shifts Will Hurt Consumer Finance

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BFH logo
Bread Financial Holdings

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.Read more

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US$50
46.1% overvalued intrinsic discount
Rodrigo_Toledo's Fair Value
Revenue
6.54% p.a.
Profit Margin
18.88%
Future PE
5.64x
Price in 2029
US$80.22
US$93.79
22.1% undervalued intrinsic discount
Revenue
23.7% p.a.
Profit Margin
11.05%
Future PE
9.58x
Price in 2028
US$127.55
US$51
43.2% overvalued intrinsic discount
Revenue
21.96% p.a.
Profit Margin
7.44%
Future PE
8.07x
Price in 2028
US$69.35

Trending Discussion

Updated Narratives

BFH logo

Highly profitable bank. Overvaluated / Hold.

Fair Value: US$50 46.1% overvalued intrinsic discount
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BFH: Credit Execution And Capital Returns Will Drive Future Upside Potential

Fair Value: US$80.07 8.8% undervalued intrinsic discount
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BFH logo

Regulatory Pressures And Payment Shifts Will Hurt Consumer Finance

Fair Value: US$51 43.2% overvalued intrinsic discount
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Snowflake Analysis

Undervalued with excellent balance sheet.

1 Risk
4 Rewards

Bread Financial Holdings, Inc. Key Details

US$2.6b

Revenue

US$0

Cost of Revenue

US$2.6b

Gross Profit

US$2.1b

Other Expenses

US$521.0m

Earnings

Last Reported Earnings
Dec 31, 2025
Next Reporting Earnings
n/a
11.81
100.00%
20.02%
129.5%
View Full Analysis

About BFH

Founded
1995
Employees
6000
CEO
Ralph Andretta
WebsiteView website
www.breadfinancial.com

Bread Financial Holdings, Inc. provides tech-forward payment and lending solutions to customers and consumer-based industries in North America. It offers credit card and other loans financing services, including risk management solutions, account origination, and funding services for private label and co-brand credit card programs, as well as through Bread partnerships; and Comenity-branded general purpose cash-back credit. The company also manages and services the loans it originates for private label, co-brand, and general-purpose credit card programs, and installment loans and split-pay products; and provides marketing, and data and analytics services. In addition, it offers an enhanced digital suite that includes a unified software development kit, which provides access to its suite of products, as well as promotes credit payment options earlier in the shopping experience. Further, the company through Bread, a digital payments platform and robust suite of application programming interfaces allows merchants and partners to integrate online point-of-sale financing and other digital payment products. It offers its products under the Bread, Bread Financial, Bread Cashback, Bread Rewards, Bread Pay, and Bread Savings brands. The company was formerly known as Alliance Data Systems Corporation and changed its name to Bread Financial Holdings, Inc. in March 2022. Bread Financial Holdings, Inc. was incorporated in 1995 and is headquartered in Columbus, Ohio.

Recent BFH News & Updates

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