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Bread Financial Holdings Inc

NYSE • Financial Services • Credit Services • Quote as of 10/30/2026
Bread Financial Holdings Inc stock price and volume chart

Company Profile

IndustryCredit Services
SectorFinancial Services
ExchangeNYSE
Market Capitalization3,957.08 mln
Float37.23 mln
Earnings Date01/28/2027

EPS

12.76
Robust

P / E

8.10
Undervalued

Piotroski F-Score

9 / 9
Exceptional

1-Year Forecast

115.25
Modest upside

Relative Strength

66 / 100
Outperforming

Debt / Equity

0.91
Moderate leverage

Business Description

Bread Financial Holdings, founded in 1995 and based in Columbus, Ohio, helps shoppers and merchants across North America manage payments and access credit through a range of modern financial products. The company runs private label and co-branded credit card programs, installment loans, and flexible pay-over-time options, while also giving merchants tools to offer financing directly within the shopping experience. Customers can also open savings accounts, certificates of deposit, and retirement accounts through its Bread Savings platform. Formerly known as Alliance Data Systems, the company rebranded as Bread Financial Holdings in March 2022.

Key Fundamentals

EPS12.76
P/E8.10
ROE15.98
RPS64.91
ROIC3.66
ROA2.38
Interest Cover0.89
EBITDA, mln999
EV / EBITDA3.14
EV / EBIT3.39
Revenue, mln4,003
EV / Revenue0.78

Quote Details

Last 103.41
Change -2.25 (-2.13%)
Open 104.03
Volume 613,375
Turnover 63,429,112
Average Volume 565,550

Financial Ratios

Pre-Tax Profit Margin17
Leverage Ratio6.78
Current Ratio0.27
Price / Book1.10
Price / Tangible Book1.38
Price / Cash Flow1.82
Price / Free Cash Flow2.04
Debt / Equity0.91
Price / Sales1.05
PEG Ratio0.42

Financial Strength

Piotroski F-Score 9 / 9
Price to Intrinsic Value0.18
Price to Lynch Fair Value0.53
Price to Graham Number0.70
1-Year Target Price115.25
Shiller PE Ratio8.94
Short Ratio0.07
Short % of Float0.16

Price Performance & Relative Strength

Period Price Performance Relative Strength
1 Week 3.52% 85 / 100   
1 Month 6.67% 87 / 100   
2 Months -2.33% 47 / 100   
6 Months 21.76% 90 / 100   
1 Year 68.64% 95 / 100   



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