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NYSE:BFH
Bread Financial Holdings (BFH)
Financials 
Technical Analysis 
Aug 27, 2026, 12:00 amThis summary was created by AI, based on 1 opinions in the last 12 months.
Bread Financial Holdings (BFH-N) presents a mixed bag for potential investors. On one hand, it is considered an attractive opportunity due to its low price-to-earnings (PE) ratio, trading at under 8x, and its strong partnerships with well-known brands which enhances its credibility in the fintech lending space. Furthermore, the stock has shown remarkable growth, appreciating 84% over the past year. However, this potential is tempered by concerns regarding its earnings consistency, which have been described as 'lumpy' and subject to volatility. Additionally, an increase in the credit card delinquency rate to 5.8% last year suggests that the company may be facing challenges compared to its peers, and there are forecasts expecting a decline in earnings over the next two years, raising significant risks for prospective investors.
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Premium content
Premium contentPremium contentPremium contentPremium contentBFH offers tech based lending, payment, and credit card financial services. It trades at 3x earnings, under book value and supports a ROE of 21%. Quarterly cash reserves are growing, while debit is retired. It pays a decent dividend, backed by a payout ratio under 10% of cash flow. We recommend a stop-loss at $21, looking to achieve $34 -- upside potential of 21%. Yield 3.0%
(Analysts’ price target is $34.00)- «
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Bread Financial Holdings (BFH) Frequently Asked Questions
What is Bread Financial Holdings stock symbol?
Bread Financial Holdings is a American stock, trading under the symbol BFH (previously BFH-N on Stockchase) on the New York Stock Exchange (BFH). It is usually referred to as NYSE:BFH or BFH
Is Bread Financial Holdings a buy or a sell?
In the last year, 1 stock analyst issued a Buy, Sell, or Hold rating on BFH (previously BFH-N on Stockchase). 0 analysts recommended to BUY and 1 analyst recommended to SELL the stock. The latest stock analyst rating is DON'T BUY. Read the latest stock experts' ratings for Bread Financial Holdings.
Is Bread Financial Holdings a good investment or a top pick?
Bread Financial Holdings was recommended as a Top Pick by Jim Cramer - Mad Money on 2026-04-08. Read the latest stock experts ratings for Bread Financial Holdings.
Why is Bread Financial Holdings stock dropping?
Earnings reports or recent company news can cause the stock price to drop. Read stock experts' recommendations for Bread Financial Holdings.
Is Bread Financial Holdings worth watching?
Bread Financial Holdings is followed by 8 investors on Stockchase and is a trending stock that is worth watching.
What is Bread Financial Holdings stock price?
On 2026-08-26, Bread Financial Holdings (BFH) stock closed at a price of $107.56.
Pros: a cheap stock under 8x PE, have long-standing relationships with recognizable brands, is a real fintech lender, and is up 84% the past 12 months. Cons: Earnings have been lumpy over the years, volatile, their credit cart delinquency rate was 5.8% last year, higher than those of his peers, and earning are expected to decline the next two years.