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Stock Research: Bread Financial

Independent stock analysis through peer comparison: Get the 360° View as an objective basis for stock decision-making and explore the detailed ranks.

Bread Financial

NYQ:BFH US0185811082
67
  • Value
    79
  • Growth
    25
  • Safety
    Safety
    77
  • Combined
    40
  • Sentiment
    84
  • 360° View
    360° View
    67
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Company Description

Bread Financial Holdings, Inc. is a tech-forward financial services company providing payment, lending, and saving solutions. It operates in the financial services industry, offering credit card programs, Bread Pay, and Bread Savings products. In the last fiscal year, the company had a market cap of $2797 million, profits of $4317 million, and revenue of $4643 million, with 6000 employees.

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Strongest Rank Profit Growth
Weakest Rank Pro Holdings
Country USA
Industry Consumer Finance
Size Large
Website breadfinancial.com
Index
Bread Financial stock price by TradingView. Not sourced by Obermatt.
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The higher the 360° View, the better the stock performed against its peers, considering all metrics. The 360° View represents an average of the other 5 ranks and is then scaled to a rank from 1 to 100. The shaded values are illustrative only.
Last update: 27-Feb-2026.

Make Sense of the Ranks

The higher, the better. For every stock, we judge its performance against its peers and rank it on a scale of 1 to 100. These ranks are percentiles: a rank of 75 means the company outperforms 75% of its peers in that specific area. The higher the rank, the better the stock stacks up against its peers.

Value
Identifies how good a value the stock is.
Good Value Expensive
Combined
Consolidated view across Value, Growth, and Safety.
Good Tread Carefully
Growth
Shows a company's growth potential.
High Growth Tough Times
Sentiment
Shows what the market thinks of a stock.
Positive Sentiment Skepticism
Safety
Safety
Assesses how financially secure a company is.
Well-Financed High Leverage
360° View
360° View
Holistic stock analysis: all key non-/financial metrics
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Detailed and Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history. Unlock the analysis.

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Metrics Current 2025 2024 2023
Value
79 84 98 93
Growth
25 67 11 45
Safety
Safety
77 61 53 40
Sentiment
84 35 40 37
360° View
360° View
67 83 46 57
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Metrics Current 2025 2024 2023
Analyst Opinions
28 26 25 54
Opinions Change
70 50 45 34
Pro Holdings
n/a 67 76 31
Market Pulse
42 40 23 52
Sentiment
84 35 40 37
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Metrics Current 2025 2024 2023
Value
79 84 98 93
Growth
25 67 11 45
Safety Safety
77 61 53 40
Combined
40 96 60 67
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Metrics Current 2025 2024 2023
Price vs. Sales (P/S)
71 83 93 93
Price vs. Earnings (P/E)
67 70 97 95
Price vs. Book (P/B)
77 80 95 62
Dividend Yield
59 51 66 55
Value
79 84 98 93
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Metrics Current 2025 2024 2023
Revenue Growth
22 30 8 33
Profit Growth
13 70 98 82
Capital Growth
29 56 13 23
Stock Returns
81 83 9 59
Growth
25 67 11 45
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Metrics Current 2025 2024 2023
Leverage
56 21 8 5
Refinancing
69 93 99 83
Liquidity
62 53 29 29
Safety Safety
77 61 53 40

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Frequently Asked
Questions

The stock offers good value, safe financing, and positive sentiment. However, it has below-average growth expectations. It is well-suited for conservative buy-and-hold investors who prioritize stability and low valuation over growth.

Obermatt provides unbiased stock analysis as a completely independent third party. We have no conflicts of interest with individual stock titles. Our data-driven analysis is based on algorithms honed over twelve years, giving you analysis that is free from personal bias and conflicts of interest.

The 360° View Rank indicates a company's overall performance across all major financial and non-financial metrics tracked by Obermatt. A 360° View Rank of 75 means the company is more well-rounded than 75% of similar companies. A high score indicates that the company is strong across the board; it is attractively priced, growing sustainably, financially stable, and well-regarded by the market. Learn more.

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