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Arphra AIPlain-English read on Bread Financial Holdings, Inc.’s valuationAI Issuer Brief
Arphra AILoading cached brief…
Fair value
Football field →Weighted blend
$138.64
+35.38% vs spot
Recommendation
Strong Buy
20 of 22 methods
Method spread
9bull9bear
±5% threshold
Analyst PT consensus: $96.25 (-6.02%)
Candlestick · 1Y
Open in chart workstation →BFH
102.41+40.19%H 105.20L 68.53MA50 82.22MA200 —Avg vol 724K
Price change · trailing returns
Live| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.97% | -0.30% | +16.79% | +37.24% | +31.29% | +38.34% | +89.40% | +238.99% | +20.98% | -36.06% | +816.83% |
Insider · 30d
History →Bought
$0
0 txns
Sold
$0
0 txns
Net flow
+$0
Aftermarket
LiveLast trade
$104.00
Bid
$101.50
50 sh
Ask
$106.50
4 sh
Spread
$5.000
Recent quarters
All financials →| Period | Revenue | Net income | EPS |
|---|---|---|---|
| Q1 Mar 2026 | $1.21B | $181M | $4.15 |
| Q4 Dec 2025 | $1.17B | $53M | $1.16 |
| Q3 Sep 2025 | $1.18B | $188M | $3.96 |
| Q2 Jun 2025 | $1.15B | $139M | $2.94 |
| Q1 Mar 2025 | $1.2B | $138M | $2.78 |
| Q4 Dec 2024 | $1.16B | $7M | $0.14 |
Analyst view
Consensus target
—
No price-target data returned for this ticker.
Recent actions
0 ↑0 ↓0 hold
- No recent grade actions.
News
DB · news_items- All You Need to Know About Bread Financial (BFH) Rating Upgrade to Strong Buyzacks.com·Jun 19, 2026
- BFH or FUTU: Which Is the Better Value Stock Right Now?zacks.com·Jun 19, 2026
- Bread Financial Holdings, Inc. (BFH) Hit a 52 Week High, Can the Run Continue?zacks.com·Jun 12, 2026
- New Strong Buy Stocks for June 11thzacks.com·Jun 11, 2026
- Best Value Stocks to Buy for June 11thzacks.com·Jun 11, 2026
- Bread Financial Holdings, Inc. (BFH) Presents at Morgan Stanley US Financials Conference 2026 Transcriptseekingalpha.com·Jun 10, 2026
- Bread Financial Provides Performance Update for May 2026globenewswire.com·Jun 10, 2026
- Bread Financial Provides Performance Update for May 2026globenewswire.com·Jun 10, 2026
Recent analyst activity
DB- Jun 12, 2026GradeSector Perform → Sector PerformBread Financial Holdings (BFH) PT Raised at RBC Capital; 'Tailwinds across the company'RBC Capital
- Jun 12, 2026PT$115.00Bread Financial Holdings (BFH) PT Raised at RBC Capital; 'Tailwinds across the company'RBC Capital
- Jun 10, 2026GradeBuy → BuyBread Financial Holdings (BFH) PT Raised to $108 at BofA SecuritiesBank of America Securities
- Jun 10, 2026PT$108.00Bread Financial Holdings (BFH) PT Raised to $108 at BofA SecuritiesWolfe Research
- Jun 10, 2026GradePositive → PositiveWolfe Research on Bread Financial Holdings (BFH): 'we view this month's data as another positive indicator'Wolfe Research
- Jun 10, 2026GradeOutperform → OutperformKBW on Bread Financial Holdings (BFH): 'Upside Is Clear if the Economy Continues to Play Along'Keefe, Bruyette & Woods
Peers
No peer list available for BFH.
Total assets
$22.66B
Total debt
$4.39B
Cash & equiv
$3.6B
Operating CF
$2.09B
Free cash flow
$2.09B
Buybacks
-$313M
Recent insiders
All →| Insider | Action | Shares | Value | Date |
|---|---|---|---|---|
| No open-market insider activity in the recent window. | ||||
Income statement · annual
5y| Period | Revenue | Op income | Net income | EPS | Net margin |
|---|---|---|---|---|---|
| FY 2025 | $4.7B | $614M | $518M | $10.96 | +11.02% |
| FY 2024 | $4.8B | $381M | $277M | $5.50 | +5.77% |
| FY 2023 | $5.17B | $968M | $718M | $14.36 | +13.88% |
| FY 2022 | $4.37B | $300M | $223M | $4.46 | +5.10% |
| FY 2021 | $3.27B | $1.04B | $801M | $16.02 | +24.50% |