We are live on ! Find out more

Bread Financial

BFH

Market cap $4.06B

105.74 USD

-2.29

2.12%

At close Updated Aug 28, 4:00 PM EDT

Pre-market

After hours

105.74

0.00

0%

1 day

-2.12%

5 days

-0.14%

1 month

-1.89%

3 months

19.53%

6 months

46.88%

Year to date

40.42%

1 year

58.55%

5 years

40.02%

10 years

-33.36%

About: Formed by a combination of JCPenney's credit card processing unit and The Limited's credit card bank business, Bread Financial is a provider of private-label and co-branded credit cards, loyalty programs, and marketing services. The company's most financially significant unit is its credit card business that partners with retailers to jointly market Bread's credit cards to their customers. The company also retains a minority interest in spun-off LoyaltyOne, which operates the largest airline miles loyalty program in Canada and offers marketing services to grocery chains in Europe and Asia.

Employees: 6,000

Financials Credit Services

News

Positive

Neutral

Negative

Sentiment 3-Months

Positive 50%

Neutral 50%

Negative 0%

Bread Financial: Attractive Yield From A Seasoned Consumer Lender

Bread Financial offers robust consumer lending, boasting a long track record of positive net income—even through recessionary cycles. BFH funds itself primarily through low-cost deposits, maintaining a Tier 1 capital ratio near 14% and BB credit ratings. Series B Preferred Shares yield 8.9% (stripped), compensating for recession-driven risks in the consumer lending sector.

Bread Financial: Attractive Yield From A Seasoned Consumer Lender

Fans Score More: NFL Extra Points American Express® Credit Card Now Available

Bread Financial®  to continue as issuer for the NFL Extra Points Credit Card program, with majority of clubs transitioning to the American Express Network

Fans Score More: NFL Extra Points American Express® Credit Card Now Available

Bread Financial Provides Performance Update for July 2026

COLUMBUS, Ohio, Aug. 17, 2026 (GLOBE NEWSWIRE) -- Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions to millions of U.S. consumers, provided a performance update. The following tables present the Company's Net principal loss rate and Delinquency rate for the periods indicated: For the For the month ended month ended July 31, 2026 July 31, 2025 (dollars in millions) End-of-period credit card and other loans $ 18,543 $ 17,594 Average credit card and other loans $ 18,449 $ 17,585 Year-over-year change in average credit card and other loans 4.9 % — % Net principal losses $ 106 $ 114 Net principal loss rate 6.80 % 7.63 % As of As of July 31, 2026 July 31, 2025 (dollars in millions) 30 days + delinquencies – principal $ 876 $ 931 Period ended credit card and other loans – principal $ 16,378 $ 15,983 Delinquency rate 5.35 % 5.82 % About Bread Financial ® Bread Financial ® (NYSE: BFH) is a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions to millions of U.S. consumers.

Bread Financial Provides Performance Update for July 2026

Bread Financial: 8.6% Yield Opportunity On Series A Preferred Shares

Bread Financial offers compelling income opportunities through its Series A preferred shares, currently yielding 8.6%. BFH's robust net interest margin of 18.5% and high asset yields are supported by strong deposit and loan growth. Deposit growth outpaces loans, reducing reliance on external financing and improving the loan-to-deposit ratio to 111%.

Bread Financial: 8.6% Yield Opportunity On Series A Preferred Shares

Zacks Investment Research

BFH Q2 Earnings Beat Estimates on Solid Credit Sales, Revenues Rise Y/Y

Bread Financial's Q2 benefited from higher credit sales, loan growth and improved credit quality, driving earnings and revenue above estimates.

BFH Q2 Earnings Beat Estimates on Solid Credit Sales, Revenues Rise Y/Y

Bread Financial Holdings, Inc. (BFH) Q2 2026 Earnings Call Transcript

Bread Financial Holdings, Inc. (BFH) Q2 2026 Earnings Call Transcript

Bread Financial Holdings, Inc. (BFH) Q2 2026 Earnings Call Transcript

Bread Financial Q2 Earnings Call Highlights

Bread Financial NYSE: BFH reported stronger second-quarter 2026 results, citing higher credit sales, loan and deposit growth, increased revenue and improved credit performance, while also raising parts of its full-year outlook.

Bread Financial Q2 Earnings Call Highlights

Zacks Investment Research

Compared to Estimates, Bread Financial (BFH) Q2 Earnings: A Look at Key Metrics

While the top- and bottom-line numbers for Bread Financial (BFH) give a sense of how the business performed in the quarter ended June 2026, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.

Compared to Estimates, Bread Financial (BFH) Q2 Earnings: A Look at Key Metrics

Zacks Investment Research

Bread Financial Holdings (BFH) Q2 Earnings and Revenues Beat Estimates

Bread Financial Holdings (BFH) came out with quarterly earnings of $3.55 per share, beating the Zacks Consensus Estimate of $2.52 per share. This compares to earnings of $3.14 per share a year ago.

Bread Financial Holdings (BFH) Q2 Earnings and Revenues Beat Estimates

Bread Financial Provides Performance Update for June 2026

COLUMBUS, Ohio, July 23, 2026 (GLOBE NEWSWIRE) -- Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions to millions of U.S. consumers, provided a performance update. The following tables present the Company's Net principal loss rate and Delinquency rate for the periods indicated:

Bread Financial Provides Performance Update for June 2026

See News Rankings

Price charts implemented using Lightweight Charts™