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Equity
Bread Financial Holdings, Inc.(BFH)
USD --+0.00%
Reward65Moderate
Risk41Moderate
📊75%Data
Strong 21% profit margin
BFH
+0.0 · +0.00%
USD · NYSE
Bread Financial Holdings, Inc. | Financial Services
Deep Value
Market Cap:3.45Bn
ℹ️
Reward Rating
65
Moderate
Top 50% (model universe)
75% data coverage
ℹ️
Risk Rating
41
Moderate
Risk Assessment
ℹ️

Educational tool only – Scores are based on historical data and financial metrics for informational purposes. This is not financial advice or a recommendation to buy or sell any security. Always conduct your own research or consult a qualified financial adviser.

ℹ️ Educational tool only · More
Limited data coverage
We don't have enough public data on BFH to score it reliably yet — Reward, Risk, Forecasts and Dividends tabs aren't available for this stock. The price chart and basic profile are still shown.
OTC / ADR stock — scores and fundamentals use data tagged in USD by our provider. The issuer may report in a different home currency (e.g. JPY), so treat figures as directional rather than precise.
Not available for limited-coverage stocks
The overview tab requires fundamentals and price history we don't have for this stock. The price chart is the most reliable view we have — try the Chart tab.

Market Performance

Stock returned +10.0% over the past year, broadly in line with market conditions.

Analyst Target

Analyst consensus price target: $95.67.

What is Bread Financial Holdings, Inc.?

provides tech-forward payment and lending solutions to customers and consumer-based industries in North America.

BFH · Verdict

Solid reward · moderate risk

BFH stands out on valuation and cash flow, but watch the balance sheet signal.

Based on 88% data coverage

BFH · Verdict

What’s working & what to watch

Strengths 3

  • Valuation98/100

    P/E 8.0× · PEG 0.62

  • Cash flow81/100

    45% free-cash-flow margin

  • Profitability71/100

    11% net margin · 18% ROE

Watchouts 1

  • Balance sheet44/100

    Interest covered 0.7×

Model-based scoring. For information only — not financial advice.

What is 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, underwriting, and funding services for private label and co-brand credit card programs, as well as through Bread Pay partnerships. The company is listed on the NYSE in USA, operating in the Financial Services sector, with a market capitalisation of 3.45B, and a P/E ratio of 7.0x.

Financial Highlights

Investment Breakdown

📈 Growth
Moderate growth momentum — positive trajectory without breakout acceleration.
💰 Profitability
Strong margins and consistent earnings support financial stability.
⚠️ Risk
Risk profile appears balanced versus broad market conditions.
💸 Valuation
Currently trading below intrinsic value estimates, suggesting upside potential.

OpenBook Logo Analysis

Reward: Moderate (65)

The scoring profile indicates moderate reward potential, with valuation and profitability as the leading contributors. Risk indicators are moderate, consistent with typical market exposure.

For informational purposes only. Not financial advice.

Company Information
SectorFinancial Services
Market Cap3.45B
P/E Ratio6.9731
Dividend Yield1.02%
52 Week High99.13
52 Week Low47.1893
Last AnnualDecember
IPO Date6/15/2001
IncorporatedUSA
Shares Outstanding40M
No. of Employees6,000
IndustryCredit Services
ExchangeNYSE
Beta1.135
CurrencyUSD
Websitewww.breadfinancial.com
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