Bread Financial Holdings, Inc. (BFH) Stock: Price, Forecast & Analyst Target
Bread Financial Holdings, Inc. (BFH) — MoonshotScore 96/100 (Exceptional band), calculated Oct 26, 2026. Price $101.72 (+1.83%), as of the Oct 26, 2026 trading session; market cap $3.91B.
Educational signal · not a buy or sell recommendation · How to read this
Bread Financial Holdings, Inc. · BFH · NYSE
Bread Financial Holdings, Inc. provides tech-forward payment and lending solutions in North America. They offer credit card and loan financing services through private label, co-brand, and general-purpose credit card programs, as well as a digital payments platform.
Price as of Oct 26, 2026
Key Statistics
MoonshotScore v2 · Bread Financial Holdings (BFH)
ExceptionalWhy this rating? Method, drivers & history
Bands for the MoonshotScore: Exceptional 80-100 · Strong 65-79 · Fair 45-64 · Weak below 45.
- Business Quality — Is this a genuinely good business?
- Financial Safety — Could this blow up on me?
- Valuation — Am I paying a fair price?
- Growth Durability — Is the growth real and likely to last?
- Momentum — Is the market already moving on this?
Elite quality and elite growth, at a dirt-cheap price, but a strained balance sheet; the market is already moving on it. Business Quality: Elite; Financial Safety: Strained; Valuation: Cheap; Growth Durability: Compounding; Momentum: Surging.
- quarterly revenue $1.19B (Q2 FY2026, quarter ended Jun 30, 2026)
- EPS beat 7 of 8
- Altman Z -0.04 · Piotroski F 8
Helping: business quality, an attractive price, durable growth, positive momentum
What has the MoonshotScore done over time?
| Recorded | Score | Band |
|---|---|---|
| 96 | Exceptional | |
| 96 | Exceptional | |
| 95 | Exceptional | |
| 96 | Exceptional | |
| 95 | Exceptional | |
| 96 | Exceptional |
The score was 96 in the stored Oct 24, 2026 snapshot and remains 96 in the current publication computed Oct 26, 2026 (0); the largest pillar moves were Growth Durability -1; the pillar moves offset under the sector-relative weighting, so the headline score is unchanged.
Calculation uses the most recent completed US trading session. Live price changes do not update the score immediately.
Computed · Educational signal · not a buy or sell recommendation · How the MoonshotScore is computed →
Price & valuation
| Measure | Value | As of |
|---|---|---|
| Latest provided price | $101.72 | |
| Change on the day | +1.83% | |
| 52-week range | $59.16 – $114.53 | |
| Market capitalisation | $3.91B | |
| Price / earnings (trailing) | 7.75 | |
| Shares traded on the day | 373.7K |
Price & events
Council Score · weighted blend of 2 available disciplines
Council score for Bread Financial Holdings (BFH): Strongly Bullish
86/100 · A+Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
5-Factor Breakdown
Legends Council
5 lenses, 5 current
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Read on: Oct 26, 2026
Munger's Mindset
Balance Sheet & Valuation · historical
Read on: Sep 9, 2026 · older than the 27 hours refresh window; not a current reading
How to read these bars and different assessments
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
Bars show each model's ordered assessment on its own scale, not a probability or a comparable investment return. The adjacent words give the assessment; more filled segments indicate a stronger model reading.
On Sep 9, 2026, the Munger lens read the price at that time as undervalued against its own estimate of value.
Readings on this page are from Oct 26, 2026, except a card that shows its own read date.
Watch the BFH film — every key number, told as a short cinematic story
~2 min · open the film
What is Bread Financial Holdings (BFH), and what does it report?
Short answer · as of
A current FMP business description is unavailable; the listing and provider classification below are the available identity facts. Bread Financial Holdings, Inc. (BFH) is listed on NYSE. It employs 6,000 people and is led by Ralph J. Andretta. In Q2 FY2026 it reported revenue of $1.19B and net income of $146M. The market values it at $3.91B.
What do the latest results show for Bread Financial Holdings (BFH)?
Short answer · as of
The most recent reported quarter, Q2 FY2026, carried revenue of $1.19B. Against analyst estimates the company has EPS beat 7 of 8 reports.
Quarterly income statement — 4 quarters
| Period | Revenue | Net income | EPS |
|---|---|---|---|
| Q2 FY2026 | $1.19B | $146M | $3.55 (diluted) |
| Q1 FY2026 | $1.21B | $181M | $4.15 (diluted) |
| Q4 FY2025 | $1.17B | $53M | $1.16 (diluted) |
| Q3 FY2025 | $1.18B | $188M | $3.96 (diluted) |
What are the financial strengths and risks for Bread Financial Holdings (BFH)?
Short answer
The MoonshotScore pillars rate business quality, an attractive price, durable growth, positive momentum as strengths. The distress and quality screens read Altman Z -0.04 · Piotroski F 8. Trailing ratios: ROE 17.0% · ROA 2.5% · earnings yield 14.4% · free-cash-flow yield 54.6%.
What should you watch next at Bread Financial Holdings (BFH)?
Short answer · as of
Current published price targets run low $104.00 · high $132.00 · consensus $116.58 · median $115.00 against a quoted price of $101.72 (as of Oct 26, 2026).
What the records here don't tell us
- No forward revenue or earnings estimate is on file.
- The next earnings date is not yet scheduled in the calendar we read.
Checked against the records this page reads, on the dates shown above.
How does Bread Financial Holdings compare with its peers?
Short answer
Bread Financial Holdings's score ranks tied for 1st of 13 in the bounded comparison shown, against 12 same-model peers. These are company scores, not expected investment returns. The set lists named competitors first, then companies in the same data-provider industry classification closest in market value; that classification is the provider's, not our judgment of business similarity.
| Company | Price | Market value | Score |
|---|---|---|---|
| Bread Financial Holdings (BFH) — this page | $101.72 | $3.91B | 96 |
| $537.38 Oct 26, 2026 | $5.58B | 96 5-pillar Oct 26, 2026 | |
| $56.36 Oct 26, 2026 | $6.48B | 94 5-pillar Oct 26, 2026 | |
| $9.97 Oct 26, 2026 | $4.99B | 91 5-pillar Oct 26, 2026 | |
| $127.44 Oct 26, 2026 | $4.46B | 89 5-pillar Oct 26, 2026 | |
| $170.03 Oct 26, 2026 | $4.04B | 84 5-pillar Oct 26, 2026 | |
| $6.21 Oct 26, 2026 | $1.96B | 75 5-pillar Oct 26, 2026 | |
| $19.62 Oct 26, 2026 | $3.69B | 72 5-pillar Oct 26, 2026 | |
| $122.41 Oct 26, 2026 | $4.41B | 72 5-pillar Oct 26, 2026 | |
| $175.27 Oct 26, 2026 | $7.49B | 64 5-pillar Oct 26, 2026 | |
| $8.48 Oct 26, 2026 | $7.35B | 62 5-pillar Oct 26, 2026 | |
| $23.52 Oct 26, 2026 | $1.94B | 48 5-pillar Oct 26, 2026 | |
| $44.83 Oct 26, 2026 | $2.58B | 32 5-pillar Oct 26, 2026 |
Only 5-pillar scores are ranked together. Other models are not directly comparable. Price and score dates are shown separately; market-value dates are unavailable.
The records behind this page
Analyst targets & estimates
What analysts have on file
- Price target, low to high
- $104.00 – $132.00
- Consensus target
- $116.58
- Median target
- $115.00
Consensus record · Captured .
Measured against a quoted price of $101.72 (as of Oct 26, 2026).
Insider activity
Form 4 records via FMP · Of the newest 100 records, those within the last 180 days, newest dated Sep 14, 2026
- Transactions
- 15
- Identified insiders
- 10
- Purchases
- 2
- Sales
- 4
- Other transactions
- 9
Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent.
What has been published about Bread Financial Holdings (BFH)?
Common Questions About BFH
These answers are editorial: 1 of these 9 answers is drawn from the BFH research dossier (written May 9, 2026 by gemini-2.0-flash); the other 8 are question templates that restate figures shown above. Figures in this section are not part of the source register.
What does the MoonshotScore mean for BFH?
BFH carries the MoonshotScore stated above — the Exceptional band. This is an educational research signal, not a buy or sell recommendation. The number comes from the five-pillar engine (business quality, financial safety, valuation, growth durability, momentum), re-ranked daily against sector peers. Bread Financial Holdings, Inc. provides tech-forward payment and lending solutions in North America.
Is BFH a good stock to buy?
Stock Expert AI does not rate BFH buy, sell or hold. Bread Financial Holdings, Inc. carries a MoonshotScore, in the Exceptional band, a research rating against its peers rather than a forecast. Whether it fits is your call: check what it sells, whether it earns and what the price assumes. This is educational content, not investment advice.
What is the BFH stock price today?
The last price recorded on this page for Bread Financial Holdings, Inc. (BFH) is $101.72, as of the Oct 26, 2026 trading session (source: Financial Modeling Prep (FMP) · quote). It is a provider snapshot, not a live exchange feed, so check a brokerage quote before you trade.
What is the BFH price target?
The analyst consensus price target for Bread Financial Holdings, Inc. (BFH) is $116.58 (range $104.00 to $132.00, median $115.00), per FMP data captured Oct 26, 2026. Targets are analyst opinions and change often; they are not a Stock Expert AI forecast.
What do analysts say about BFH stock?
Analyst coverage of Bread Financial Holdings, Inc. (BFH) typically focuses on the company's growth prospects in the BNPL market, its partnerships with retailers and SMBs, and its ability to manage credit risk. Valuation metrics such as P/E ratio and dividend yield are often cited.
What are the key factors to evaluate for BFH?
Bread Financial Holdings, Inc. (BFH) holds a MoonshotScore in the high range. P/E: 7.75x. Analysts target $116.58 (+15%). Not financial advice.
How frequently does BFH data refresh on this page?
BFH's price is the last quote we recorded, from the Oct 26, 2026 trading session. Pages are served from a cache, so the copy you are reading can lag that quote. The quote is a provider snapshot, not an exchange feed. Fundamentals follow quarterly filings. V2 is recalculated from the most recent completed US trading session; the score's own date shows its last successful run.
What has driven BFH's recent stock price performance?
Bread Financial Holdings, Inc. (BFH) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Tech-forward payment solutions and digital platform. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider BFH overvalued or undervalued right now?
Bread Financial Holdings, Inc. (BFH) trades at 7.75x earnings. Analysts target $116.58 (+15%) — upside seen. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Machine-generated analysis by Stock Expert AI — model gemini-2.0-flash, generated May 9, 2026. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief.
Sources — records for every figure on this page (22 figures)
The 22 rows below are exactly the facts the evidence-backed sections of this page printed — the 10-second verdict, the MoonshotScore, price and market value, the five questions with their receipts, and the records behind this page. Known dates and sources are recorded on their own rows; an em dash or UNRECORDED tier preserves a stored observation without inventing either. The quarterly income statement is provider-standardized (FMP) under one row, and scale definitions — a 0-100 rating, the band ladder, the Piotroski 0–9 range — are fixed rather than measured. No number in those sections was generated by a model. The register does not cover quoted third-party headlines, the dated council readings, or the Frequently Asked Questions; each of those says where it came from where it stands.
"As of" is the date the value is true for where the source carries one — a quarter end, a filing date, a price close, the day the score was computed. A cached observation with no source date remains undated; the page publication date is not used as a substitute.
FMP — 14 facts from Financial Modeling Prep endpoint families
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
px.last | Latest provided price | $101.72 | FMP | Financial Modeling Prep (FMP) · quote — Dated to the US trading session the price belongs to, derived from the quote record's timestamp (weekend and pre-open reads roll back to the previous weekday; exchange holidays are not modelled). The record does not establish an exchange execution time. Retrieved 2026-10-26T21:14:30.798Z. | |
px.change | Change on the day | +1.83% | FMP | Financial Modeling Prep (FMP) · quote | |
px.mcap | Market capitalisation | $3.91B | FMP | Financial Modeling Prep (FMP) · quote — Date unknown Market cap record date: 2026-10-26. FMP quote timestamp: 2026-10-26T20:00:03.000Z. Captured from FMP at 2026-10-26T21:14:29.795Z. No share-count basis is inferred; this page preserves the reported amount instead of recalculating it from shares. | |
px.change_abs | Change on the day, in dollars | +$1.83 | FMP | Financial Modeling Prep (FMP) · quote | |
fin.q_revenue | Revenue, Q2 FY2026 | $1.19B | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
px.pe | Price / earnings (trailing) | 7.75 | FMP | Financial Modeling Prep (FMP) · quote | |
px.volume | Shares traded on the day | 373.7K | FMP | Financial Modeling Prep (FMP) · quote | |
fin.q_income | Net income, Q2 FY2026 | $146M | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
fin.q_table | Quarterly income statement | 4 quarters through Q2 FY2026 | FMP | Financial Modeling Prep (FMP) · income statement (quarterly), as filed | |
earn.pt | Stored analyst price targets | low $104.00 · high $132.00 · consensus $116.58 · median $115.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 26, 2026 · Coverage not supplied | |
earn.pt_range | Analyst price target, low to high | $104.00 – $132.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 26, 2026 · Coverage not supplied | |
earn.pt_consensus | Consensus analyst price target | $116.58 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 26, 2026 · Coverage not supplied | |
earn.pt_median | Median analyst price target | $115.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 26, 2026 · Coverage not supplied | |
own.insiders | Insider transactions via FMP | 15 transactions · 2 purchases, 4 sales, 9 other transactions · 10 identified insiders · of the newest 100 records, those within the last 180 days, newest dated Sep 14, 2026 | FMP | Financial Modeling Prep (FMP), carrying Form 4 transaction records — Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent. |
UNRECORDED — 6 facts from stored observations whose source was not recorded
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.history | Reported versus estimated, recent quarters | EPS beat 7 of 8 | UNRECORDED | Stored earnings-history observation — Captured 2026-10-20 · Expired observation | |
fin.scores | Distress and quality screens | Altman Z -0.04 · Piotroski F 8 | UNRECORDED | Stored financial-scores observation — Captured 2026-10-24 · Expired observation | |
px.range52 | 52-week range | $59.16 – $114.53 | UNRECORDED | Stored company-profile observation — Captured 2026-10-20 | |
id.employees | Employees | 6,000 | UNRECORDED | Stored company-profile observation — Captured 2026-10-20 | |
id.ceo | Chief executive | Ralph J. Andretta | UNRECORDED | Stored company-profile observation — Captured 2026-10-20 | |
fin.ratios | Return and yield ratios (trailing twelve months) | ROE 17.0% · ROA 2.5% · earnings yield 14.4% · free-cash-flow yield 54.6% | — | UNRECORDED | Stored key metrics — Date unknown |
OURS — 2 facts from Stock Expert AI's own score and rank
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
ours.moonshot | MoonshotScore v2 | 96 of 100 · Exceptional · pillars 90 / 39 / 95 / 94 / 86 | OURS | Stock Expert AI MoonshotScore v2 engine | |
ours.moonshot_change | MoonshotScore movement | 96 (stored snapshot Oct 24, 2026) → 96 (current publication computed Oct 26, 2026) (0) | OURS | Stock Expert AI current score publication and immutable score snapshots |
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