Stocktoria
BREAD FINANCIAL HOLDINGS, INC. BFH
BREAD FINANCIAL HOLDINGS, INC. (BFH) earns a Piotroski F-score of 6/9 (mixed financial health). It pays a dividend yielding 0.93% (safety: safe).
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Beneish M-score: -2.76 — low (below −2.22 — no manipulation red flag) . A statistical screen for earnings manipulation, not proof — and it doesn't apply to most banks/insurers.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2026-06-30 | BTIG | Buy (main) |
| 2026-06-11 | RBC Capital | Sector Perform (main) |
| 2026-05-22 | Loop Capital | Buy (init) |
| 2026-04-29 | Evercore ISI Group | Outperform (main) |
| 2026-04-24 | Barclays | Underweight (main) |
| 2026-04-24 | TD Cowen | Hold (main) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 6/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| BFH | BREAD FINANCIAL HOLDINGS, INC. | 6/9 | — | 8.3 | -19% |
| AFRM | Affirm Holdings, Inc. | 5/9 | — | 510.1 | +38.8% |
| ENVA | Enova International, Inc. | 6/9 | — | 18.6 | +18.6% |
| CACC | CREDIT ACCEPTANCE CORP | 6/9 | — | 15.5 | +7.2% |
| ATLC | Atlanticus Holdings Corp | 3/9 | — | 13.7 | +50.1% |
| RM | Regional Management Corp. | 4/9 | — | 8.5 | +9.7% |
| WRLD | WORLD ACCEPTANCE CORP | 4/9 | — | 23.2 | +3.7% |
All Finance, Insurance & Real Estate companies →
About BREAD FINANCIAL HOLDINGS, INC.
Bread Financial Holdings, Inc. provides tech-forward payment and lending solutions to customers and consumer-based industries in North America. It offers credit card and other loans financing services, including risk management solutions, underwriting, and funding services for private label and co-brand credit card programs, as well as through Bread Pay partnerships. The company also manages and services the loans it originates for private label, co-brand, and general-purpose credit card programs, and installment loans and split-pay products; and provides marketing, and data and analytics services. In addition, it offers an enhanced digital suite that includes a unified software development kit, which provides access to its suite of products, as well as promotes credit payment options earlier in the shopping experience. Further, the company through Bread Pay, a digital payments platform and robust suite of application programming interfaces allows merchants and partners to integrate online point-of-sale financing and other digital payment products. Additionally, it offers retail and deposit products, primarily in the form of certificates of deposit and high-yield savings accounts, including traditional and Roth Individual Retirement Accounts. The company offers its products under the Bread, Bread Financial, Bread Cashback, Bread Rewards, Bread Pay, and Bread Savings brands. The company was formerly known as Alliance Data Systems Corporation and changed its name to Bread Financial Holdings, Inc. in March 2022. Bread Financial Holdings, Inc. was incorporated in 1995 and is headquartered in Columbus, Ohio.
FAQ
Is BFH financially healthy?
BREAD FINANCIAL HOLDINGS, INC.'s Piotroski F-score is 6/9 (8–9 is excellent, 0–3 weak).
Does BFH pay a dividend, and is it safe?
Yes. BREAD FINANCIAL HOLDINGS, INC. pays a dividend yielding about 0.93% with a 7.7% payout ratio, rated “safe” for safety.
How profitable is BFH?
In FY2025, BREAD FINANCIAL HOLDINGS, INC. had a return on equity of 15.6%.
Is BFH overvalued or undervalued?
BREAD FINANCIAL HOLDINGS, INC. trades at about 10.1× trailing earnings — below its 10-year norm (10-year range 2.5×–24.8×, median 11.5×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for BFH?
The average Wall-Street price target for BREAD FINANCIAL HOLDINGS, INC. is $98.69, about 10.6% below the recent price, from 16 analysts (consensus: buy).
Is BFH a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on BREAD FINANCIAL HOLDINGS, INC.: a Piotroski F-score of 6/9, a P/E of about 8.3×, a dividend yield of 0.93%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.