Bread Financial Holdings, Inc. (BFH) Stock Forecast Oct. 16, 2026
Analysis updated on Oct. 16, 2026 (UTC) · Alpha · vs marketSwitch to Total · NYSE
Bread Financial Holdings, Inc. (BFH) stock forecast summary
Our AI ranks Bread Financial Holdings, Inc. outside the neutral middle of its coverage (a directional signal). Create a free account and follow it to see the exact price target.
Bread Financial Holdings, Inc. is a mid-cap company with a market capitalization of $3.94B. It ranks number 7 by market capitalization among the 11 Personal Credit Institutions issuers in our coverage with a current forecast.
For BFH, the Spearman rank correlation between our 90-day forecasts and the returns that followed is 46.0%, measured on 357 forecast dates between 2022-07-29 and 2026-07-17 on this stock's own recent history. A rank correlation runs from -100% to +100%: it measures whether higher forecasts were followed by higher returns, and a value near zero or below means the model has shown little skill on this stock. On the 30-day forecasts the same correlation is 30.0%, measured on 400 forecast dates between 2022-07-29 and 2026-09-16. Across our coverage, the out-of-sample test on 4495 stocks from 2025-01-06 to 2026-07-07 produced a positive net return in 82.5% of rebalance periods (factor-neutral book, net of estimated costs). Full backtest report
Expected return relative to the market over the horizon: a positive alpha means the model expects the stock to beat the market, whatever the market does. Ratings: strong buy ≥ +1.8%, buy ≥ +0.2%, sell < -0.9%, strong sell < -1.2% (top 15%, next 20%, middle 30%, next 20%, bottom 15% of the 2026-10-16 signals)
A free account shows the exact forecast, rating and rank of 3 tickers you follow, BFH included.
Follow BFH freeBFH price chart and AI forecast
How BFH ranks among 5172 stocks
90D Alpha forecasts of every company scored, cut into five relative ratings at the 15th, 35th, 65th and 85th percentiles (dashed lines).
Bread Financial Holdings, Inc. (BFH) fundamentals
Trailing twelve months. The industry median and the rank (1 = highest) are taken over the Personal Credit Institutions peers listed below that report each metric.
Valuation & Market
| Metric | BFH | Rank |
|---|---|---|
| Market Cap | $3.94B | 7/11 |
| P/E Ratio | 7.97x | 9/11 |
| P/B Ratio | 1.17x | 8/10 |
| Dividend Yield | 0.94% | 5/5 |
| EPS | $12.87 | – |
| Book Value/Share | $87.59 | – |
| Revenue/Share | $123.74 | – |
Profitability & Margins
| Metric | BFH | Rank |
|---|---|---|
| ROE | 11.6% | 8/10 |
| ROA | 1.7% | 9/10 |
| Net Margin | 6.5% | 9/10 |
| EBT Margin | 11.5% | 8/11 |
| Tax Rate | 17.1% | – |
Financial Health
| Metric | BFH | Rank |
|---|---|---|
| D/E Ratio | 5.67x | 5/10 |
| Financial Leverage | 6.67x | 5/10 |
| Interest Coverage | 4.2x | – |
Cash Flow
| Metric | BFH | Rank |
|---|---|---|
| Operating Cash Flow | $2.19B | 2/11 |
| OCF Growth YoY | 18.3% | 4/9 |
Operational Efficiency
| Metric | BFH | Rank |
|---|---|---|
| Asset Turnover | 0.21x | 6/10 |
| Fixed Assets Turnover | 45.7x | 4/10 |
Income Statement
| Metric | BFH | Rank |
|---|---|---|
| Total Revenue | $4.75B | 1/11 |
| Net Income | $389M | 4/10 |
Dividend & Shareholder Information
| Metric | BFH | Rank |
|---|---|---|
| Dividends Per Share | $0.96 | – |
| Payout Ratio | 7.5% | 5/5 |
| Shares Outstanding | 38M | – |
| Net Income Growth | 1396.2% | 1/10 |
| EPS Growth | 120.0% | 2/11 |
Balance Sheet Highlights (USD millions)
| Cash & Short-term Investments | $3.68B | 16.4% of assets |
| Total Liabilities | $19.09B | 85.0% of assets |
BFH quarterly financials and insider trading
Bread Financial Holdings, Inc. (BFH) industry peers
Companies classified under the same SEC industry code as Bread Financial Holdings, Inc. (Personal Credit Institutions): 11 common-stock issuers with a forecast this week, one row per issuer, largest first. This is a classification match, not a curated list of competitors.
Reveal all forecasts · See exact % predictions for all competitors
Sign up free| Company | 90-Day AI Forecast (Alpha) | Market Cap |
|---|---|---|
| BFH Bread Financial Holdings, Inc. | ▲ | $3.94B |
| AFRM Affirm Holdings, Inc. | ▶ | $24.97B |
| OMF Onemain Holdings, Inc. | ▶ | $6.58B |
| CACC Credit Acceptance Corp | ▲ | $5.62B |
| NNI Nelnet Inc | ▶ | $4.56B |
| ENVA Enova International, Inc. | ▲ | $4.43B |
| SLM Slm Corp | ▲ | $4.10B |
| HAPN Happen, Inc. | ▶ | $1.67B |
| ATLC Atlanticus Holdings Corp | ▶ | $1.40B |
| WRLD World Acceptance Corp | ▶ | $800M |
| RM Regional Management Corp. | ▶ | $318M |
Where BFH sits on the market map
Bread Financial Holdings, Inc. (BFH) stock news
Loading...
Bread Financial Holdings, Inc. (BFH) stock forecast FAQ
What is the Bread Financial Holdings, Inc. (BFH) stock forecast?
Our AI ranks Bread Financial Holdings, Inc. outside the neutral middle of its coverage (a directional signal). Create a free account and follow it to see the exact price target.
How accurate are Bread Financial Holdings, Inc. stock predictions?
For BFH, the Spearman rank correlation between our 90-day forecasts and the returns that followed is 46.0%, measured on 357 forecast dates between 2022-07-29 and 2026-07-17 on this stock's own recent history. A rank correlation runs from -100% to +100%: it measures whether higher forecasts were followed by higher returns, and a value near zero or below means the model has shown little skill on this stock. On the 30-day forecasts the same correlation is 30.0%, measured on 400 forecast dates between 2022-07-29 and 2026-09-16. Across our coverage, the out-of-sample test on 4495 stocks from 2025-01-06 to 2026-07-07 produced a positive net return in 82.5% of rebalance periods (factor-neutral book, net of estimated costs). Full backtest report
How often are Bread Financial Holdings, Inc. forecasts updated?
Bread Financial Holdings, Inc. forecasts are refreshed on trading days as the daily model run completes. The forecast on this page was produced on Oct. 16, 2026.
Which companies are Bread Financial Holdings, Inc.'s industry peers?
11 issuers in our coverage, BFH included, share the SEC industry code Personal Credit Institutions. The largest are: Affirm Holdings, Inc. (AFRM), Onemain Holdings, Inc. (OMF), Credit Acceptance Corp (CACC), Nelnet Inc (NNI), Enova International, Inc. (ENVA), Slm Corp (SLM).
This analysis is generated automatically using our proprietary AI systems and should not be considered personalized investment advice. Past performance does not guarantee future results. Always conduct your own research and consider consulting a financial advisor before making investment decisions.