BFH
Bread Financial Holdings, Inc.
NYSE: BFH · FINANCIAL SERVICES · CREDIT SERVICES
$85.42
-1.04% today
Updated 2026-04-29
Market cap
$3.45B
P/E ratio
6.97
P/S ratio
1.31x
EPS (TTM)
$12.25
Dividend yield
1.02%
52W range
$47 – $99
Volume
0.7M
WallStSmart proprietary scores
84
out of 100
Grade: A
Strong Buy
Investment rating
7.3
Growth
B+4.5
Quality
C7.5
Profitability
B+7.7
Valuation
B+6/9
Piotroski F-Score
Moderate
0.8
Altman Z-Score
Distress
—
Industry rank
—
View all highly rated stocks (75+) →200 stocks currently score above 75
Price targets
Analyst target
$95.67
+12.00%
12-Month target
$93.16
+9.06%
Intrinsic (DCF)
—
Margin of safety
—
1 Strong Buy6 Buy7 Hold1 Sell2 Strong Sell
Price chart
X-Ray snapshot
Strengths
+ Profit margin 21.20% — above average
+ Free cash flow $560.00M — positive
Risks
- Altman Z 0.83 — distress zone
Key financials
Revenue Net Income Free Cash Flow
| Metric | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|
| Revenue | $3.83B | $4.29B | $3.84B | $4.70B | $2.64B |
| Net income | $223.00M | $718.00M | $277.00M | $518.00M | $181.00M |
| EPS | — | — | — | — | $12.25 |
| Free cash flow | $1.78B | $1.94B | $1.82B | $2.07B | $560.00M |
| Profit margin | 5.83% | 16.74% | 7.22% | 11.02% | 21.20% |
Peer comparison
Smart narrative
Bread Financial Holdings, Inc. trades at $85.42. representing a P/E of 6.97x trailing earnings. Our Smart Value Score of 84/100 indicates the stock is excellent. The company scores 6/9 on the Piotroski F-Score. With an Altman Z-Score of 0.83, it sits in the distress. TTM revenue stands at $2.64B. with profit margins at 21.20%.
Frequently asked questions
What is Bread Financial Holdings, Inc.'s stock price?
Bread Financial Holdings, Inc. (BFH) trades at $85.42.
Is Bread Financial Holdings, Inc. overvalued?
Smart Value Score 84/100 (Grade A, Strong Buy).
What is the price target of Bread Financial Holdings, Inc. (BFH)?
The analyst target price is $95.67, representing +12.0% upside from the current price of $85.42.
What is Bread Financial Holdings, Inc.'s revenue?
TTM revenue is $2.64B.
Piotroski F-Score?
6/9 — moderate financial health.
Altman Z-Score?
0.83 — distress.
Company info
SectorFINANCIAL SERVICES
IndustryCREDIT SERVICES
CountryUSA
ExchangeNYSE
CurrencyUSD
Quick metrics
P/S ratio1.31x
ROE17.50%
Beta1.14
50D MA$77.40
200D MA$68.87
Shares out0.04B
Float0.04B
Short ratio—
Avg volume0.7M
Performance
1 week—
1 month—
3 months—
YTD—
1 year—
3 years—
5 years—