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Company Analysis

Bread Financial Holdings, Inc. BFH

A comprehensive view of key metrics, scores, and financial health for Bread Financial Holdings, Inc.

Overview of Bread Financial Holdings, Inc.

BFH NYQ
Financial Services Credit Services Mid Cap
Bread Financial Holdings, Inc. (BFH), is a Mid Cap company, in the Credit Services industry, last closed at $71.53, about 1.4% undervalued vs fair value, +49.1% 1Y return, ranked 528/1004 in sector.
$71.53
-0.18%
As of March 13, 2026
Previous close • Vol 90d: 45.3%
52-Week Range
Market Cap
$3.26B
Enterprise Value
$4.05B
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.breadfinancial.com
HQ Columbus, OH
Employees 6,000
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$40
$73
$136
Current: $71.53 +1% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$4.9B
-2.2%%
Interest Expense
$854.0M
Net Interest Income
$4.1B
-0.1%%
Total Revenue
$3.8B
0.2%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
15.6%
Excellent

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$355.0M
68.5% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating Bread Financial Holdings, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
63
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Moderate
68
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Generic Industrial / Default vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing BFH's balance between Growth (18.9%), Profitability (45.2%), and Safety (36.0%). Growth 19% Safety 36% Profitability 45%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

25th percentile vs peers
25
Key Signals
Revenue CAGR 3Y -0.2% 30p Rev Growth YoY 0.2% 22p TSR 22.8% 54p EPS Growth YoY -61.7% 10p
Strengths
  • Consistently strong margins across 3 metrics
Risks
  • Eps Growth Yoy in bottom 20% of peers (-61.7%)
  • Growth below peer median (percentile: 25)

Profitability

60th percentile vs peers
61
Key Signals
Strengths
Risks
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Safety

48th percentile vs peers
48
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Bread Financial Holdings, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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Bear
-
- - -
- upside
-
Base
$72.51
- - -
+1.4% vs current
Snapshot base estimate
Bull
-
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- upside
-
Fair Value Range Current: $-
$- $- $-
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