---
title: "Bread Financial Holdings, Inc. (BFH.US)"
type: "quote"
locale: "en"
url: "https://longbridge.com/en/quote/BFH.US.md"
symbol: "BFH.US"
name: "Bread Financial Holdings, Inc."
industry: "Consumer Finance"
---

# Bread Financial Holdings, Inc. (BFH.US)

| Item | Detail |
|------|--------|
| Industry | Consumer Finance |
| Location | US Market |
| Website | [www.breadfinancial.com](https://www.breadfinancial.com) |

## Company Profile

Bread Financial Holdings, Inc. provides tech-forward payment and lending solutions to customers and consumer-based industries in North America. It offers credit card and other loans financing services, including risk management solutions, underwriting, and funding services for private label and co-b...

## Financial Score

> *Longbridge Financial Score™ — Proprietary multi-factor rating model by [Longbridge](https://longbridge.com). This score is independently calculated by Longbridge and is not affiliated with any third-party rating agency.*
> Updated: 2026-02-16T04:30:12.000Z

**Overall: C (0.43)**

**Industry**: Consumer Finance

| Metric | Value |
|--------|-------|
| Industry Ranking | 25 / 52 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Value - Stocks where the company's main business is in a mature stage.
- **Scale**: Mid - The company has stable operation of a large-cap stock and the high return of a small-cap stock.

### Score Analysis

**Style Score**: 

#### Growth Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 6.64% |  |
| Net Profit YoY | 87.00% |  |

#### Value Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| P/B Ratio | 0.96 |  |
| Dividend Ratio | 1.19% |  |


**Size Score**: 

#### Market Cap Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 3.19B |  |

#### Revenue Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue | 2.60B |  |


**Multi Score**: C

#### Profit Score: B

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 16.34% | A |
| Profit Margin | 19.90% | A |
| Gross Margin | 0.00% | E |

#### Growth Score: B

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 6.64% | C |
| Net Profit YoY | 87.00% | A |
| Total Assets YoY | -1.00% | D |
| Net Assets YoY | 9.05% | B |

#### Cash Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| Cash Flow Margin | 502.51% | C |
| OCF YoY | 6.64% | C |

#### Operating Score: E

| Indicator | Value | Rating |
|-----------|-------|--------|
| Turnover | 0.00 | E |

#### Debt Score: A

| Indicator | Value | Rating |
|-----------|-------|--------|
| Gearing Ratio | 0.00% | A |


```chart-data:radar
{
  "title": "Longbridge Financial Score - Bread Financial Holdings, Inc.",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Profit",
      "grade": "B",
      "indicators": [
        {
          "name": "ROE",
          "value": "16.34%",
          "rating": "A"
        },
        {
          "name": "Profit Margin",
          "value": "19.90%",
          "rating": "A"
        },
        {
          "name": "Gross Margin",
          "value": "0.00%",
          "rating": "E"
        }
      ]
    },
    {
      "name": "Growth",
      "grade": "B",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "6.64%",
          "rating": "C"
        },
        {
          "name": "Net Profit YoY",
          "value": "87.00%",
          "rating": "A"
        },
        {
          "name": "Total Assets YoY",
          "value": "-1.00%",
          "rating": "D"
        },
        {
          "name": "Net Assets YoY",
          "value": "9.05%",
          "rating": "B"
        }
      ]
    },
    {
      "name": "Cash",
      "grade": "C",
      "indicators": [
        {
          "name": "Cash Flow Margin",
          "value": "502.51%",
          "rating": "C"
        },
        {
          "name": "OCF YoY",
          "value": "6.64%",
          "rating": "C"
        }
      ]
    },
    {
      "name": "Operating",
      "grade": "E",
      "indicators": [
        {
          "name": "Turnover",
          "value": "0.00",
          "rating": "E"
        }
      ]
    },
    {
      "name": "Security",
      "grade": "A",
      "indicators": [
        {
          "name": "Gearing Ratio",
          "value": "0.00%",
          "rating": "A"
        }
      ]
    }
  ]
}
```

### Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
|------|------|--------|--------|-----------|----------|------|--------|
| 01 | Dave (US.DAVE) | A | A | A | B | B | A |
| 02 | NerdWallet (US.NRDS) | A | A | A | A | B | A |
| 03 | Kaspi.KZ JSC (US.KSPI) | A | A | C | E | B | B |
| 04 | FirstCash (US.FCFS) | B | B | B | D | B | B |
| 05 | Upstart (US.UPST) | B | A | C | D | A | B |

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 6.02 | 12/49 | 9.91 | 8.66 | 6.98 |
| PB | 0.94 | 20/49 | 0.97 | 0.88 | 0.79 |
| PS (TTM) | 1.20 | 23/49 | 1.26 | 1.14 | 1.00 |
| Dividend Yield | 1.19% | 17/49 | 1.64% | 1.40% | 1.25% |

## Institutional View

### Analyst Rating Distribution

> As of 2026-02-10T05:00:00.000Z

Total Analysts: **17**

| Rating | Count | Percentage |
|--------|-------|-----------|
| Buy | 6 | 35% |
| Overweight | 1 | 6% |
| Hold | 7 | 41% |
| Underweight | 2 | 12% |
| Sell | 1 | 6% |

### Target Price Forecast

| Metric | Price |
|--------|-------|
| Current Price | 72.37 |
| Highest Target | 98.00 |
| Lowest Target | 63.00 |

## References

- [Company Overview](https://longbridge.com/en/quote/BFH.US/overview.md) - Shareholders, executives, business segments
- [Financials](https://longbridge.com/en/quote/BFH.US/norm.md) - Income statement, balance sheet, cash flow, distribution plan
- [Topics & Discussions](https://longbridge.com/en/quote/BFH.US/topics.md) - Community topics and discussions

---

> **Disclaimer**: This article is for reference only and does not constitute any investment advice.
