BREAD FINANCIAL HOLDINGS INC (BFH)
Financials · Consumer credit cards and point-of-sale lending · NYSE
Bread Financial delivers white-label and co-branded credit cards and installment lending solutions to major retail and travel brands, monetizing transaction data and customer loyalty across Gen Z to Baby Boomer consumers.
What BREAD FINANCIAL HOLDINGS INC does
Bread Financial is a technology-forward financial services company that provides co-brand and private label credit cards, general purpose credit cards, installment loans, and savings products to millions of U.S. consumers. The company serves a diverse partner base including well-known brands such as AAA, Dell Technologies, the NFL, Saks Fifth Avenue, Ulta, and Victoria's Secret across travel, specialty apparel, health and beauty, jewelry, and technology verticals. Revenue is generated primarily through interest and fees on credit card and loan products, with operations conducted through its insured depository subsidiaries Comenity Bank and Comenity Capital Bank.
Themes: ["Consumer credit cards","Retail partnership financing","Point-of-sale lending / buy-now-pay-later","Consumer financial technology","Credit risk analytics and underwriting","Payment processing and loyalty programs"]
Fundamentals
- Price$95.55 as of 2026-07-09 close
- Market cap$3.9B as of 2026-07-10
- 1-year return+55.9% as of 2026-07-09 close
- P/E6.95 as of 2026-07-10
- Net margin+12.5% as of 2026-07-10
- Gross margin+92.9% as of 2026-07-10
- ROE+17.1% as of 2026-07-10
- Debt / equity5.40 as of 2026-07-10
- Revenue growth (YoY)-2.5% as of 2026-07-10
- Revenue CAGR (3y)-6.2% SEC XBRL
- Beta1.14 as of 2026-07-10
Dividend: yield +1.0%; 5-year non-decreasing per-share dividend streak (SEC XBRL).
Key risks (from latest filing)
["Highly competitive consumer credit and payments market with larger financial institutions, emerging fintechs, and alternative payment methods (digital wallets, stablecoins, agentic AI commerce) creating pricing pressure and potential disintermediation","Dependence on brand partner relationships and consumer spending patterns; changes in partner strategies or reduced consumer discretionary spending could impact loan origination volumes and revenue","Credit risk exposure across diverse consumer segments and retail verticals; economic downturns, rising delinquencies, or increases in provision for credit losses could materially impact profitability"]
Competitors & peers
- Capital One Financial
- Synchrony (SYF)
- American Express (AXP)
- Discover Financial Services (DFS)
- Affirm (AFRM)
- Klarna
- Stripe
- PayPal (PYPL)
Fundamentals: Finnhub, as of 2026-07-10. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-07-09.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & Finnhub, shown with their as-of date.