$105.91
Closed
-(-)

At close

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About

Bread Financial Holdings, Inc. is a tech-forward financial services company, which engages in the provision of payment, lending, and saving solutions. The company is headquartered in Columbus, Ohio and currently employs 6,000 full-time employees. The company went IPO on 2001-06-08. The firm's product offerings consist of private label and co-brand credit card programs with retailers and other brand partners; direct-to-consumer (DTC) credit cards; Bread Pay products; and Bread Savings products. Its payment solutions, including Bread Financial general purpose credit cards and savings products. Its private label credit cards are partner-branded credit cards used by consumers for the purchase of goods and services from that partner. Bread Pay is its payment technology solution for pay-over-time products. The firm's products are supported by various services and capabilities, including risk management, account origination and funding services; credit card and other loan processing and servicing; fraud prevention; marketing, and data and analytics; and digital and mobile capabilities.
Country

US

CEO

Mr. Ralph Andretta

IPO date

2001

Employees

6,000

ISIN

US0185811082

Key stats

Open

$104.54

Volume

432.15K

Market cap

$4.07B

Prev. close

$105.91

Impl / hst vl

-

Open interest

$0.00

$104.54

Day’s Range

$106.99

$67.78

52W Range

$114.53

Valuation

66
Valuation score
Undervalued
P/E
7.50
P/S
0.94
P/B
1.27
Current ratio
1.36
Debt / Equity
5.35
ROE
17.07%
Gross margin
92.79%
Income growth
-19.55%
FCF growth
10.21

Sep

15

Dividends

The next payment date will be Sep 15, 2026

Div. per Share

$0.23

Div. Yield

0.22%

Payout Ratio

-

Div. Growth YoY

0.00%

Analysts estimates

Consensus rating
Hold

The average rating from top 11 analysts indicates that stock may significantly underperform the market

Str. Sell
Sell
Hold
Buy
Str. Buy
Avg. price target
$117.69
The top 16 analysts forecasts that 12-month price may increase by 11.12%, with a low of $101.00 and a high of $138.60
$101.00
Low
$117.69
Avg
$138.60
High
Current price

Earnings

Q2 ‘26 revenue
$1.12B
Q2 ‘26 net income
$144.00M
Revenue
Net income
Previous EPS
$4.17
Estimate EPS
$2.74
Actual EPS
Estimate EPS
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