NYSE:BFH
Bread Financial Holdings (BFH)
Financials 
Technical Analysis 
Jun 2, 2026, 12:00 amThis summary was created by AI, based on 1 opinions in the last 12 months.
Bread Financial Holdings (BFH-N) presents an intriguing investment opportunity, particularly due to its affordable valuation, being priced at under 8x earnings. The company has established enduring partnerships with well-known brands, bolstering its credibility in the competitive fintech lending space. Its stock performance has been impressive, reflecting an 84% increase over the last year, highlighting strong investor interest. However, potential investors should be cautious, as the company's earnings have exhibited volatility over the years. Additionally, the credit card delinquency rate stood at 5.8% in the past year, exceeding that of its peers; this, compounded with expectations of declining earnings over the next two years, raises concerns about the sustainability of its growth trajectory.
;fill-opacity:1;'/%3e%3cpath%20d='M31%2018.6001V30H8V18.6001L14.1334%2022.4334L19.4999%2014L24.8669%2022.4334L31%2018.6001Z'%20fill='%23EE5432'%20style='fill:%23EE5432;fill:color(display-p3%200.9340%200.3310%200.1956);fill-opacity:1;'/%3e%3c/svg%3e){kind=small}
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)- «
- ‹
- 1
- ›
- »
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 published opinions about BFH (previously BFH-N on Stockchase). 0 analysts recommended to BUY the stock. 1 analyst recommended to SELL the stock. The latest stock analyst recommendation is TOP PICK. 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 The Panic-Proof Portfolio (Stockchase Research) on 2023-11-30. 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 help on deciding if you should buy, sell or hold the stock.
Is Bread Financial Holdings worth watching?
1 stock analyst on Stockchase covered Bread Financial Holdings in the last year. It is a trending stock that is worth watching.
What is Bread Financial Holdings stock price?
On 2026-06-02, Bread Financial Holdings (BFH) stock closed at a price of $91.55.
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.