Bread Financial Holdings/$BFH

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About Bread Financial Holdings

Formed by a combination of JCPenney's credit card processing unit and The Limited's credit card bank business, Bread Financial is a provider of private-label and co-branded credit cards, loyalty programs, and marketing services. The company's most financially significant unit is its credit card business that partners with retailers to jointly market Bread's credit cards to their customers. The company also retains a minority interest in spun-off LoyaltyOne, which operates the largest airline miles loyalty program in Canada and offers marketing services to grocery chains in Europe and Asia.

Ticker

$BFH
Sector

Primary listing

NYSE

Employees

6,000

BFH Metrics

BasicAdvanced
$2.6B
9.62
$5.76
1.44
$0.84
1.52%

What the Analysts think about BFH

Analyst ratings (Buy, Hold, Sell) for Bread Financial Holdings stock.

Bulls say / Bears say

Bread Financial posted Q2 2025 EPS of $3.14 compared to the Zacks consensus of $1.85, a 69.7% earnings beat that highlights strong profitability in its credit card business (Nasdaq)
The Board authorized a new $200 million share buyback program with no set expiration, reflecting management’s confidence in the company’s valuation and its approach to capital allocation (GlobeNewswire)
Keefe, Bruyette & Woods maintained an Outperform rating on BFH with a $71.79 one-year price target, indicating a 30.8% upside and continued analyst confidence in Bread Financial’s growth outlook (Nasdaq)
Q2 2025 revenue fell 1% year-over-year to $929 million, missing analyst consensus by 0.92%, which points to possible weakness in consumer spending and fee income (Nasdaq)
Goldman Sachs reiterated its Sell rating on BFH with a $56 price target, cautioning that broad-based growth drivers may not be enough to counter margin pressures, especially in noninterest income (Investing.com)
In August 2025, Zacks Research cut its Q3 2025 EPS forecast for Bread Financial to $1.87 from $2.14, suggesting analysts expect more moderate earnings in the near term (MarketBeat)
Data summarised monthly by Lightyear AI. Last updated on 7 Oct 2025.

BFH Financial Performance

Revenues and expenses
QuarterlyAnnual
Q3 24
QoQ growth
Revenue
$37B
-39.75%
Net income
$45B
107.52%
Profit margin
37.65%
6.78%

BFH Earnings Performance

Company profitability
QuarterlyAnnual
Q4 23
Q1 24
Q2 24
Q3 24
Q4 24
Actual
$3.69
$2.85
$2.45
$2.42
-
Expected
$3.55
$2.61
$2.05
$2.31
$3.94
Surprise
3.94%
9.20%
19.51%
4.63%
-
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Real-time US market data is sourced from the IEX order book provided by Polygon. After-hours US market data is 15 minutes delayed and may differ significantly from the actual tradable price at market open.

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