Bread Financial Holdings (BFH) Stock Price

Bread Financial Holdings Price

NYSE·CLOSED
101.68
​
Market closed

Revenue has compounded at 5.6% per year over the past 19 years to 4.70 B USD. Earnings per share have grown at 8.6% per year over the last 19 years. Bread Financial Holdings's net margin stands at 11.0%, down from 24.5% several years earlier. Bread Financial Holdings currently offers a dividend yield of about 0.85%. The payout ratio is around 8% of earnings. The dividend has grown at 5.7% per year over the past 9 years. Analysts set a median price target of 112.00 USD, implying 10.1% above the current price. Of 22 analysts, 12 rate the stock a buy — an overall Buy consensus.

Bread Financial Holdings stock price

Access this data via the Eulerpool API

Bread Financial Holdings business model & stock analysis

Alliance Data Systems Corp is an American company specializing in the development of solutions in the field of data analysis and marketing. The company was founded in 1996 and is headquartered in Plano, Texas. It employs over 8,000 employees worldwide and is listed on the New York Stock Exchange. The business model of Alliance Data Systems Corp is based on the collection of customer and transaction data. These are provided by the company's customers and serve as a basis for the development of marketing, analysis, and consulting services. The goal of Alliance Data Systems Corp is to help its customers increase the efficiency and effectiveness of their marketing campaigns and thereby increase their revenue. One of the key divisions of Alliance Data Systems Corp is the LoyaltyOne business. Here, the company offers customer loyalty programs and customer analytics services for numerous large retailers and financial services companies. The most well-known program operated by LoyaltyOne is the Air Miles program, based in Canada, which is used by almost every Canadian household. Another important core business of Alliance Data Systems Corp is the provision of credit card services. The company is a major player in the American market and operates the Private Label credit card business for some of the largest retailers in the USA. In addition to lending, Alliance Data Systems Corp's credit card portfolio also includes over-limit fees, fraud protection, and customer analytics services. Alliance Data Systems Corp also offers a range of B2B services in the field of marketing and analytics. The company supports its customers in creating and implementing campaigns and also offers data analytics services that allow businesses to measure the performance of their marketing campaigns. Overall, Alliance Data Systems Corp is a company focused on the collection and analysis of data to help its customers conduct effective marketing campaigns and increase revenue. The company is a key player in customer loyalty programs and credit card services but also has a strong B2B offering in the field of marketing and analytics.

Frequently asked questions about Bread Financial Holdings

The business model of Alliance Data Systems Corp focuses on providing data-driven marketing and loyalty solutions for businesses. Through its various services and solutions, Alliance Data helps companies enhance customer engagement and drive sales growth. By leveraging its expertise in data analytics, customer insights, and targeted marketing strategies, Alliance Data enables businesses to build and maintain lasting customer relationships. The company's broad portfolio includes credit card programs, loyalty programs, personalized marketing campaigns, and data-driven insights to help businesses better understand and connect with their customers. Alliance Data's business model revolves around leveraging data to drive customer loyalty and long-term business success.

Alliance Data Systems Corp is primarily active in the industries of credit and marketing services.

The main competitors of Alliance Data Systems Corp in the market are Experian, Equifax, and TransUnion.

Alliance Data Systems Corp, headquartered in Plano, Texas, is a leading provider of data-driven marketing and loyalty solutions. Founded in 1996, the company has a rich history and background in enabling brands to engage with their customers and drive loyalty through innovative marketing strategies. Alliance Data offers a comprehensive suite of products and services, including data analysis, customer insights, loyalty programs, and digital marketing solutions. With a strong focus on data-driven decision-making, the company has consistently delivered effective and personalized marketing campaigns for its clients. Today, Alliance Data Systems Corp continues to be a trusted partner for many businesses looking to harness the power of data for marketing success.

Alliance Data Systems Corp has achieved several significant milestones. It successfully expanded its business worldwide, offering specialized loyalty programs and data-driven marketing services. The company has formed strategic partnerships with renowned brands, enhancing its market presence and customer reach. Alliance Data Systems Corp has consistently delivered strong financial results, demonstrating its capabilities in driving revenue growth. The company has also received numerous prestigious awards and accolades for its innovation, leadership, and excellence in the industry. With its continuous dedication to providing exceptional services and driving sustainable growth, Alliance Data Systems Corp has positioned itself as a leading player in the market.

Alliance Data Systems Corp is primarily present in the United States, with headquarters in Plano, Texas. As a global provider of data-driven marketing and loyalty solutions, the company operates across various regions, including North America, Europe, and Asia. With a robust presence in the US market, Alliance Data Systems Corp has established strategic partnerships with leading brands, enabling them to deliver personalized marketing programs and customer loyalty initiatives. With their extensive reach and expertise, Alliance Data Systems Corp continues to thrive as a prominent player in the data and marketing industry.

Alliance Data Systems Corp represents a strong set of core values and a clear corporate philosophy. The company is committed to delivering excellence by fostering strong partnerships, embracing innovation, and upholding integrity. Alliance Data Systems Corp aims to provide unique and personalized customer experiences, utilizing data-driven insights and technology. The company values teamwork, collaboration, and diversity, recognizing the importance of a unified and inclusive workforce. With a focus on responsible business practices and sustainability, Alliance Data Systems Corp strives to make a positive impact on the communities it serves.

Analysts currently set an average price target of 114.50 USD for the Bread Financial Holdings stock (median: 112.00 USD), implying +12.6 % versus the latest price. The consensus is based on 22 analyst ratings.

22 analysts currently rate the Bread Financial Holdings stock: 12 recommend buying, 10 holding and 0 selling. For 2026, analysts expect Bread Financial Holdings to generate revenue of 4.02 B USD and earnings per share of 12.19 USD.

Converted at the current exchange rate, the Bread Financial Holdings share trades at 90.84 EUR (101.68 USD).

The Bread Financial Holdings share (BFH) is listed on 7 stock exchanges, including: NYSE (ADS), London (0HCR.L), SIX (Zürich) (LID.SW), Frankfurt (LID.F), München (LID.MU), Düsseldorf (LID.DU).

Alliance Data Systems Corp (ADS) is a Fortune 500 company that was founded in Dallas, Texas, USA. ADS's business model revolves around offering specialized data analytics and customer loyalty programs for companies in various industries. One of ADS's core divisions is LoyaltyOne GmbH, based in Canada, which manages the customer loyalty program 'Air Miles'. This successful program allows customers from various companies to collect miles and reward points, which can then be exchanged for vouchers, travel, or products. The 'Air Miles' program is Canada's leading customer loyalty program and is one of the largest of its kind worldwide. Another important division of ADS is Epsilon, a subsidiary that offers marketing and data analytics services. Epsilon provides tailored marketing campaigns, email and social media marketing, web design and optimization, and mobile applications. Epsilon's clients include numerous well-known companies and organizations, including Bank of America, Walt Disney Company, and American Express Company. The third division of ADS is Card Services, which supplies companies with credit card services. Card Services offers customer loyalty programs, credit card transactions, debit card transactions, account management, and analytics tools. Card Services also offers a wide range of products, from simple checking accounts to complex treasury management solutions. Furthermore, ADS is involved in purchase data management. Using various technologies, ADS collects data on consumer purchasing behavior and analyzes it. The collected information is then used by retailers and advertisers to create targeted advertising campaigns and make better decisions. ADS's business model is based on the development of 'big data'. The company has an unparalleled amount of data that has been compiled from various sources. ADS's comprehensive database and advanced analytics tools enable deep insights into consumer behavior and purchasing decisions. These insights can be used by companies to target their audiences and optimize their business strategies. ADS also employs a multi-channel approach. With the help of customer loyalty programs, marketing campaigns, credit card programs, and data management, ADS offers its customers numerous opportunities to reach their target audiences. Accordingly, a wide range of services is offered, tailored to the needs and desires of customers. Overall, ADS is an innovative company that offers a comprehensive range of data analytics, customer loyalty, and marketing services. Through flexible solutions and targeted offerings, the company specifically caters to customers in different industries and sizes. ADS's success is based on its ability to analyze data and turn it into relevant and action-oriented insights.

The expected revenue of Bread Financial Holdings is 4.02 B USD. This figure is based on current financial data and reflects the company's business performance.

The expected profit of Bread Financial Holdings is 560.76 M USD. The net profit reflects the company's profitability after deducting all expenses.

The price-to-earnings ratio (P/E) of Bread Financial Holdings is currently 8.34. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the Bread Financial Holdings stock.

The price-to-sales ratio (P/S) of Bread Financial Holdings is currently 1.16. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the Bread Financial Holdings stock.

The Eulerpool Quality Score for Bread Financial Holdings is 3/10.

The ISIN of Bread Financial Holdings is US0185811082. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.

The WKN of Bread Financial Holdings is 934251. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.

The ticker of Bread Financial Holdings is BFH. The ticker symbol is used to trade Bread Financial Holdings shares on the stock exchange.

Fair ValueTerminal
84.39 USD
Over-/UndervaluationTerminal
Fairly valued
Industry
IT Services
Number of shares
Employees
Revenue per Employee
783,166.67 USD
Revenue growth Ø5 years
EBIT growth Ø5 years
Net Income growth Ø5 years
Currency
USD
Initial public offering
Jun 8, 2001
ISIN
US0185811082
Cusip
018581108
Sedol
2762030
Market capitalization
4.64 B USDMid Cap
52-Week Range
PEG
0.92
P/E ratio
P/Ee 2026
8.28
P/Ee 2027
7.37
P/Ee 2028
6.32
P/Ee 2029
5.72
P/Ee 2030
5.17
P/S
P/Se
1.16
EV/EBIT
25.50
P/B Ratio
1.40
ROE (Return on Equity)
ROA (Return on Assets)
ROCE (Return on Capital Employed)
ROIC (Return on Invested Capital)
2.40 %
Dividend
Dividend yield
0.85 %
Est. Dividend Yield
0.90 %
Payout Ratio
7.64 %
Dividend growth Ø5Y
0.47 %
Dividend payments per year
4
Dividend paid since
10 years
Dividend not reduced since
1 year
Dividend increased since
1 year
Dividend withholding tax
30.00 %
Last updated Oct 14, 2026, 8:58 PM

Bread Financial Holdings Peer Group

Bread Financial Holdings Ticker

DÜSSELDORF · LID.DUFRANKFURT · LID.FLONDON · 0HCR.LLONDON STOCK EXCHANGE · 0HCR.LMUNICH · LID.MUNEW YORK · ADSSIX · LID.SW

Bread Financial Holdings FIGI

BFH:US · BBG000BFNR17BFH:UA · BBG000BFNRK6BFH:UC · BBG000BFNRS8BFH:UN · BBG000BFNSP9BFH:UP · BBG000BFNSY9BFH:UB · BBG000BFNV90BFH:UT · BBG000BFNVM5BFH:UM · BBG000BFNW61BFH:UX · BBG000BFNWK5BFH:UD · BBG000BFP0Z7BFH:UF · BBG000BFP292BFH:VY · BBG000BFP2G4