Bread Financial
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
0
Funds holding %
of 7,202 funds
0
Analysts bullish %
of 3 analysts
Fund manager confidence
Based on 2025 Q1 regulatory disclosures by fund managers ($100M+ AUM)
9% more repeat investments, than reductions
Existing positions increased: 113 | Existing positions reduced: 104
0.33% more ownership
Funds ownership: 98.27% [Q4 2024] → 98.6% (+0.33%) [Q1 2025]
4% less first-time investments, than exits
New positions opened: 43 | Existing positions closed: 45
3% less funds holding
Funds holding: 323 [Q4 2024] → 312 (-11) [Q1 2025]
19% less capital invested
Capital invested by funds: $2.98B [Q4 2024] → $2.42B (-$564M) [Q1 2025]
20% less funds holding in top 10
Funds holding in top 10: 5 [Q4 2024] → 4 (-1) [Q1 2025]
35% less call options, than puts
Call options by funds: $4.35M | Put options by funds: $6.66M
Research analyst outlook
3 Wall Street Analysts provided 1 year price targets over the past 3 months
Low target
$39
26%
downside
Avg. target
$49
7%
downside
High target
$58
10%
upside
3 analyst ratings
0 positive
0%
1 neutral
33%
2 negative
67%
Morgan Stanley Betsy Graseck | 26%downside $39 | Underweight Maintained | 12 May 2025 |
Jefferies John Hecht | 5%downside $50 | Hold Maintained | 24 Apr 2025 |
Goldman Sachs Ryan Nash | 10%upside $58 | Sell Maintained | 18 Mar 2025 |
Financial journalist opinion
Based on 13 articles about BFH published over the past 30 days
Neutral
GlobeNewsWire
1 week ago
Bread Financial Provides Performance Update for April 2025
COLUMBUS, Ohio, May 13, 2025 (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 loss rate and delinquency rate for the periods indicated: For the month ended April 30, 2025 For the month ended April 30, 2024 (dollars in millions) End-of-period credit card and other loans $ 17,721 $ 17,891 Average credit card and other loans $ 17,712 $ 18,006 Year-over-year change in average credit card and other loans (2 %) 2 % Net principal losses (1) $ 114 $ 127 Net loss rate (1) 7.8 % 8.6 % As of April 30, 2025 As of April 30, 2024 (dollars in millions) 30 days + delinquencies – principal $ 933 $ 993 Period ended credit card and other loans – principal $ 16,264 $ 16,492 Delinquency rate 5.7 % 6.0 % (1) As a result of hurricanes Helene and Milton we froze delinquency progression for cardholders in Federal Emergency Management Agency identified impact zones for one billing cycle, which resulted in modestly lower Net principal losses and Net loss rate in the fourth quarter of 2024, and consequently these actions will negatively impact Net principal losses and Net loss rate in the second quarter of 2025.
Neutral
GlobeNewsWire
1 week ago
Bread Financial's 2024 Sustainability Report showcases focus, investment in sustainable business practices
Twelfth annual report reinforces commitments and demonstrates ongoing progress toward sustainability strategy and related priorities Twelfth annual report reinforces commitments and demonstrates ongoing progress toward sustainability strategy and related priorities
Negative
CNBC
1 week ago
Banks are keeping credit card rates high even after the CFPB rule they blamed for high APRs was killed
Banks quickly raised interest rates to record levels and added new monthly fees on credit cards last year when a Consumer Financial Protection Bureau rule threatened a key revenue source for the industry. Now they're far more reluctant to reverse those steps, even after bank trade groups succeeded in killing the CFPB rule in federal court last month.
Neutral
PRNewsWire
2 weeks ago
Bread Financial, Bob Woodruff Foundation Announce Multiyear Mission to Improve Mental Health Care for Children in Military Families
Three-year, $3 million investment will focus on expanding care, training clinicians, and proven programs fostering wellness and social connection NEW YORK , May 5, 2025 /PRNewswire/ -- Bread Financial® (NYSE: BFH) and the Bob Woodruff Foundation announced today that the tech-forward financial services company and the leading nonprofit organization supporting veterans will embark on a multiyear mission to improve the mental health of children in military families. Bread Financial's $3 million investment over the next three years will build on the company's history of supporting the Bob Woodruff Foundation, including efforts focused on children and families of those who have served in uniform.
Neutral
CNBC
3 weeks ago
Wealthy consumers upped their spending last quarter, while the rest of America is cutting back
Lower-income earners are reining in their transactions to focus on essentials, while the wealthy continue to spend freely on perks including dining out and luxury travel, according to first-quarter results from U.S. credit card lenders. Synchrony, which provides store cards for retail brands including Lowe's and T.J.
Neutral
Zacks Investment Research
3 weeks ago
Bread Financial Q1 Earnings, Revenues Top Estimates, Credit Sales Rise
BFH first-quarter results reflect higher credit sales, an increase in total interest income and a decline in total non-interest expenses.
Neutral
Seeking Alpha
3 weeks ago
Bread Financial Holdings, Inc. (BFH) Q1 2025 Earnings Call Transcript
Bread Financial Holdings, Inc. (NYSE:BFH ) Q1 2025 Earnings Conference Call April 24, 2025 8:30 AM ET Company Participants Brian Vereb - Head-Investor Relations Ralph Andretta - President & Chief Executive Officer Perry Beberman - Executive Vice President & Chief Financial Officer Conference Call Participants Sanjay Sakhrani - KBW Moshe Orenbuch - TD Cowen Jeff Adelson - Morgan Stanley John Pancari - Evercore ISI Bill Carache - Wolfe Research Securities Terry Ma - Barclays Mihir Bhatia - Bank of America Vincent Caintic - BTIG Operator Good morning, and welcome to Bread Financial First Quarter 2025 Earnings Conference Call. My name is Olivia, and I'll be coordinating your call today.
Neutral
Zacks Investment Research
3 weeks ago
Compared to Estimates, Bread Financial (BFH) Q1 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 March 2025, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.
Positive
Zacks Investment Research
3 weeks ago
Bread Financial Holdings (BFH) Q1 Earnings and Revenues Top Estimates
Bread Financial Holdings (BFH) came out with quarterly earnings of $2.86 per share, beating the Zacks Consensus Estimate of $2.10 per share. This compares to earnings of $2.73 per share a year ago.
Neutral
GlobeNewsWire
3 weeks ago
Bread Financial Provides Performance Update for March 2025
COLUMBUS, Ohio, April 24, 2025 (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 loss rate and delinquency rate for the periods indicated:
Charts implemented using Lightweight Charts™