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 7,428 funds
–
Analysts bullish %
Fund manager confidence
Based on 2025 Q2 regulatory disclosures by fund managers ($100M+ AUM)
44% more first-time investments, than exits
New positions opened: 56 | Existing positions closed: 39
13% more capital invested
Capital invested by funds: $2.44B [Q1] → $2.75B (+$314M) [Q2]
4.4% more ownership
Funds ownership: 99.14% [Q1] → 103.54% (+4.4%) [Q2]
3% more funds holding
Funds holding: 319 [Q1] → 328 (+9) [Q2]
9% less repeat investments, than reductions
Existing positions increased: 109 | Existing positions reduced: 120
25% less funds holding in top 10
Funds holding in top 10: 4 [Q1] → 3 (-1) [Q2]
48% less call options, than puts
Call options by funds: $6.37M | Put options by funds: $12.2M
Research analyst outlook
2 Wall Street Analysts provided 1 year price targets over the past 3 months
Low target
$52
17%
downside
Avg. target
$63
0%
upside
High target
$74
18%
upside
2 analyst ratings
0 positive
0%
1 neutral
50%
1 negative
50%
RBC Capital Jon Arfstrom | 18%upside $74 | Sector Perform Maintained | 25 Jul 2025 |
Barclays Terry Ma | 17%downside $52 | Underweight Maintained | 8 Jul 2025 |
Financial journalist opinion
Based on 3 articles about BFH published over the past 30 days
Neutral
GlobeNewsWire
3 days ago
Bread Financial Announces Expiration and Results of Its Previously Announced Cash Tender Offers
COLUMBUS, Ohio, Aug. 22, 2025 (GLOBE NEWSWIRE) -- Bread Financial Holdings, Inc. (NYSE: BFH) (“Bread Financial” or the “Company”) announced that its previously announced cash tender offers (the “Tender Offers”) described in the Offer to Purchase, dated July 24, 2025 (as amended, the “Offer to Purchase”) expired at 5:00 p.m., New York City time, on August 21, 2025 (the “Expiration Date”). The following table sets forth the total aggregate principal amount of the Company's 9.750% Senior Notes due 2029 (the “2029 Notes”) and the Company's 8.375% Fixed-Rate Reset Subordinated Notes due 2035 (the “2035 Notes” and, together with the 2029 Notes, the “Notes”) validly tendered (and not validly withdrawn) pursuant to the Tender Offers.
Neutral
GlobeNewsWire
1 week ago
Bread Financial Provides Performance Update for July 2025
COLUMBUS, Ohio, Aug. 15, 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:
Neutral
GlobeNewsWire
2 weeks ago
Bread Financial Announces Early Tender Results of its Previously Announced Cash Tender Offers and Extends Total Consideration Through the Expiration Date
COLUMBUS, Ohio, Aug. 07, 2025 (GLOBE NEWSWIRE) -- Bread Financial Holdings, Inc. (NYSE: BFH) (“Bread Financial” or the “Company”) announced that as of 5:00 p.m., New York City time, on August 6, 2025 (the “Early Participation Date”), pursuant to and in accordance with its previously announced cash tender offers (the “Tender Offers”) described in the Offer to Purchase, dated July 24, 2025 (as it may be amended or supplemented, the “Offer to Purchase”), $28,402,000 in aggregate principal amount of the Company's 9.750% Senior Notes due 2029 (the “2029 Notes”) and $121,000 in aggregate principal amount of the Company's 8.375% Fixed-Rate Reset Subordinated Notes due 2035 (the “2035 Notes” and, together with the 2029 Notes, the “Notes”) had been validly tendered (and not validly withdrawn) on or prior to the Early Participation Date and such Notes are expected to be accepted for purchase for Total Consideration (as defined below) (excluding accrued interest payable) of $1,070 for each $1,000 principal amount of the 2029 Notes and $1,025 for each $1,000 principal amount of the 2035 Notes. Subject to satisfaction or waiver of the conditions set forth in the Offer to Purchase, the Company anticipates that settlement of such Notes will occur on August 11, 2025 (the “Early Payment Date”).
Positive
Zacks Investment Research
1 month ago
Bread Financial Q2 Earnings Beat, Revenues Miss, Credit Sales Rise
BFH tops Q2 EPS estimates by nearly 70% as credit sales rise, even as revenues dip on lower finance charges and late fees.
Neutral
Seeking Alpha
1 month ago
Bread Financial Holdings, Inc. (BFH) Q2 2025 Earnings Call Transcript
Bread Financial Holdings, Inc. (NYSE:BFH ) Q2 2025 Earnings Conference Call July 25, 2025 8:30 AM ET Company Participants Brian Vereb - Head of Investor Relations Perry S. Beberman - Executive VP & CFO Ralph J.
Positive
Zacks Investment Research
1 month ago
Bread Financial Holdings (BFH) Tops Q2 Earnings Estimates
Bread Financial Holdings (BFH) came out with quarterly earnings of $3.14 per share, beating the Zacks Consensus Estimate of $1.85 per share. This compares to earnings of $2.66 per share a year ago.
Neutral
GlobeNewsWire
1 month ago
Bread Financial Provides Performance Update for June 2025
COLUMBUS, Ohio, July 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:
Neutral
GlobeNewsWire
1 month ago
Bread Financial Reports Second Quarter 2025 Results
COLUMBUS, Ohio, July 24, 2025 (GLOBE NEWSWIRE) -- Bread Financial ® Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, flexible payment, lending and saving solutions, today announced its second quarter 2025 financial results. All earnings-related materials are now available at the company's investor relations website, here.
Neutral
GlobeNewsWire
1 month ago
Bread Financial Announces Modified Dutch Auction Cash Tender Offers for 9.750% Senior Notes Due 2029 and/or 8.375% Fixed-Rate Subordinated Notes due 2035
COLUMBUS, Ohio, July 24, 2025 (GLOBE NEWSWIRE) -- Bread Financial Holdings, Inc. (NYSE: BFH) (“Bread Financial” or the “Company”) today announced it has commenced cash tender offers (the “Tender Offers” and each, a “Tender Offer”) to purchase up to $150.0 million (subject to increase, the “Aggregate Tender Cap”) aggregate principal amount of its 9.750% Senior Notes maturing March 2029 (the “2029 Notes”) and/or its 8.375% Fixed-Rate Reset Subordinated Notes due 2035, maturing June 2035 (the “2035 Notes” and, together with the 2029 Notes, the “Notes”) subject to (i) the aggregate principal amount of all 2029 Notes accepted for purchase not exceeding $100.0 million (the “2029 Notes Sublimit”) and (ii) the aggregate principal amount of all 2035 Notes accepted for purchase not exceeding $50.0 million (the “2035 Notes Sublimit” and, together with the 2029 Notes Sublimit, the “Sublimits” and each, respectively, a “Sublimit”). The Tender Offers are being made on the terms and subject to the conditions set forth in the Offer to Purchase, dated July 24, 2025 (as it may be amended or supplemented, the “Offer to Purchase”).
Neutral
GlobeNewsWire
1 month ago
Bread Financial Declares Dividend on Common Stock
COLUMBUS, Ohio, July 24, 2025 (GLOBE NEWSWIRE) -- Bread Financial ® Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, flexible payment, lending and saving solutions, today announced that its Board of Directors declared a quarterly cash dividend of $0.21 per share on the Company's common stock, payable on September 12, 2025 to stockholders of record at the close of business on August 8, 2025.
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