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

NON_CLASSIFIED

Primary listing

NYSE

Industry

Consumer Finance
Headquarters
Columbus, United States

Employees

6,000
Website
www.breadfinancial.com

BFH Metrics

BasicAdvanced
$2.9B
10.90
$5.80
-
$0.84
1.33%

What the Analysts think about BFH

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

Bulls say / Bears say

Bread Financial's net loss rate improved to 7.8% in April 2025 from 8.6% in April 2024, indicating enhanced credit performance. (investor.breadfinancial.com)
The company's delinquency rate decreased to 5.7% in April 2025 from 6.0% in April 2024, reflecting better loan repayment management. (investor.breadfinancial.com)
Bread Financial's tangible book value per share has increased over the past three years, with a compounded annual growth rate of 19%, reaching nearly $47 by year-end 2024. (stockholderletter.com)
End-of-period credit card and other loans decreased from $18,391 million in February 2024 to $17,949 million in February 2025, indicating a decline in loan balances. (gurufocus.com)
Average credit card and other loans saw a year-over-year decline of 2% in February 2025, suggesting challenges in loan growth. (gurufocus.com)
The net loss rate increased to 8.0% in November 2024 from 7.9% the previous year, indicating a slight deterioration in credit performance. (tipranks.com)
Data summarised monthly by Lightyear AI. Last updated on 7 Jul 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%
-

BFH News

AllArticlesVideos
How retail credit cards could bankrupt consumers with record high interest rates

How retail credit cards could bankrupt consumers with record high interest rates

CNBC·1 month ago
Banks are keeping credit card rates high even after the CFPB rule they blamed for high APRs was killed

Banks are keeping credit card rates high even after the CFPB rule they blamed for high APRs was killed

CNBC·3 months ago
Wealthy consumers upped their spending last quarter, while the rest of America is cutting back

Wealthy consumers upped their spending last quarter, while the rest of America is cutting back

CNBC·3 months ago
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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Upcoming events

Aug8
Bread Financial Holdings
Dividend·Ex-dividend
Sept12
Bread Financial Holdings
Dividend·Payment
$0.21Per share
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