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BFH:NYSE
Bread Financial Holdings Inc
$110.80
+2.53%
(+2.73) 1D
$110.80
0.00% (0.00)
After hours
Closed: Aug 3, 4:00:09 PM GMT-4  ·   USD
All symbols
SymbolPriceChange% Change
Generating top insights for BFH...
Open
$108.80
High
$111.94
Low
$108.80
Mkt. cap
4.15B
Avg. vol.
736.39K
Volume
538.37K
52-wk high
$111.94
52-wk low
$53.83
Beta
1.10
Shares outstanding
38.42M
No. of employees
6K
Open
$108.80
High
$111.94
Low
$108.80
Mkt. cap
4.15B
Avg. vol.
736.39K
Volume
538.37K
52-wk high
$111.94
52-wk low
$53.83
Beta
1.10
Shares outstanding
38.42M
No. of employees
6K
News stories
From sources across the web
Profile
Bread Financial Holdings, Inc. is an American publicly traded provider of private label credit cards, coalition loyalty programs, and direct marketing, derived from the capture and analysis of transaction-rich data. A significant portion of Bread Financial's revenue is generated through late fees charged to the subprime consumers it primarily serves. In October 2024 the Wall Street Journal reported that Bread Financial would raise its soft interest rate of 29.99% and add additional fees to customer accounts in anticipation of a Consumer Financial Protection Bureau ruling that would reduce its $41.00 late payment fee to $8.00. Wikipedia
About Bread Financial Holdings Inc
CEORalph Andretta
Employees6K
FoundedApr 22, 1983
HeadquartersColumbus, Ohio, United States
SectorPayment service provider
Analyst ratings
Based on 12 analysts giving stock ratings to BFH in the past 3 months
Buy
Buy
8
Hold
4
Sell
0
12-month forecast
Based on 12 Wall Street analysts offering 12 month price targets for BFH in the last 3 months.
Highest
Current $110.80
$132.00 (+19.13%)
Average
$116.25 (+4.92%)
Lowest
$104.00 (-6.14%)
Analyst
Recommendation
Action
Price target
Projected
Date
Nicholas Holowko
UBS
Buy
Maintained
$127.00
+14.6%
08/03/2026
Bill Ryan
Seaport Global
Buy
Maintained
$119.00
+7.4%
07/27/2026
Ryan Nash
Goldman Sachs
Buy
Reiterated
$108.00
-2.5%
07/23/2026
Jeffrey Adelson
Morgan Stanley
Hold
Maintained
$107.00
-3.4%
07/24/2026
Jon Arfstrom
RBC Capital
Hold
Maintained
$115.00
+3.8%
07/23/2026
Terry Ma
Barclays
Hold
Maintained
$109.00
-1.6%
07/24/2026
Moshe Orenbuch
TD Cowen
Hold
Reiterated
$114.00
+2.9%
07/24/2026
Sanjay Sakhrani
KBW
Buy
Maintained
$129.00
+16.4%
07/24/2026
Mihir Bhatia
Bank of America Securities
Buy
Reiterated
$115.00
+3.8%
07/23/2026
John Pancari
Evercore ISI
Buy
Maintained
$116.00
+4.7%
07/06/2026
Vincent Caintic
BTIG
Buy
Reiterated
$132.00
+19.1%
06/30/2026
Dominick Gabriele
Loop Capital Markets
Buy
Initiated
$104.00
-6.1%
05/21/2026
Hoang Nguyen
TD Cowen
Hold
Maintained
$95.00
-14.3%
05/15/2026
Last report
Jul 23, 2026
Fiscal period
Q2 2026
EPS / Est. (USD)
$3.55 / $2.77
+28.26%beat
Revenue / Est. (USD)
680.00M / 959.92M
-29.16%miss
Fiscal Q2 2026 earnings call
Waiting for the earnings call
At a glance
Insights from the latest news and reports
Previous reportsAll values in USD
Loading Previous Earnings...
Income statement
Revenue
Net income
All values in USD
Sep 2025
Dec 2025
Mar 2026
Jun 2026
Revenue
672.00M
602.00M
715.00M
680.00M
Cost of goods sold
-
-
-
-
Cost of revenue
-
-
-
-
Research and development expenses
-
-
-
-
Total research and development expenses
-
-
-
-
Selling, general, and admin expenses
358.00M
380.00M
355.00M
365.00M
Operating expense
473.00M
500.00M
472.00M
483.00M
Total operating expenses
473.00M
500.00M
472.00M
483.00M
Operating income
199.00M
102.00M
243.00M
197.00M
Other non operating income
-
-
-
-
EBT including unusual items
196.00M
47.00M
243.00M
197.00M
EBT excluding unusual items
199.00M
102.00M
243.00M
197.00M
Income tax expense
8.00M
-6.00M
62.00M
51.00M
Effective tax rate
4.08%
-12.77%
25.51%
25.89%
Other operating expenses
115.00M
120.00M
117.00M
118.00M
Net income
188.00M
54.00M
181.00M
146.00M
Net profit margin
27.98%
8.97%
25.31%
21.47%
Earnings per share
4.02
2.07
4.18
3.55
Interest and investment income
-
-
-
-
Interest expense
-
-
-
-
Net interest expenses
-
-
-
-
Depreciation and amortization charges
-
-
-
-
EBITDA
-
-
-
-
Gain or loss from assets sale
-3.00M
-
-
-
Insider transactions
Insider transactions data is drawn from third-party sources. Learn more
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Position
Type
Date
Shares
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