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BFH

Stock
Financials
Credit Services

Performance overview

BFH Price
Price Chart

Forward-looking statistics

Beta
1.39
Risk
44.18%

Detailed forecast

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Individual forecast components (weighted-sum)

Company Profile

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 minority interest in its recently spun-off LoyaltyOne division, which operates the largest airline miles loyalty program in Canada and offers marketing services to grocery chains in Europe and Asia.

Company info

SectorFinancials
IndustryCredit Services
Employees7K
Market cap$2.0B

Fundamentals

Enterprise value$3.6B
Revenue$2.4B
Revenue per employee—
Profit margin11.49%
Debt to equity1.67

Security info

ExchangeNyse American
Type of shareCommon Stock
Earnings per share (EPS)$5.67
Dividend per share$0.84
Revenue per share$49.42
Avg trading volume (30 day)$44M
Avg trading volume (10 day)$49M
Put-call ratio—

Macro factor sensitivity

Growth+6.5
Credit+3.6
Liquidity-2.7
Inflation+3.0
Commodities+1.1
Interest Rates-3.2

Valuation

Dividend yield1.39%
PEG Ratio10.75
Price to sales1.15
P/E Ratio10.75
Enterprise Value to Revenue1.46
Price to book0.94

Upcoming events

Next earnings dayApril 24, 2025
Next dividend day—
Ex. dividend dayMay 9, 2025

News

Bread Financial Holdings (BFH) Expected to Beat Earnings Estimates: Should You Buy?

Bread Financial (BFH) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

Zacks Investment Research (July 17, 2025)
Why Bread Financial (BFH) is Poised to Beat Earnings Estimates Again

Bread Financial (BFH) has an impressive earnings surprise history and currently possesses the right combination of the two key ingredients for a likely beat in its next quarterly report.

Zacks Investment Research (July 9, 2025)
How retail credit cards could bankrupt consumers with record high interest rates

Retail credit card debt is accounting for a greater proportion of overall debt in consumer bankruptcies.

CNBC (June 19, 2025)

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