Bread Financial (BFH) is a Financial Services company in the Credit Services industry. It has a market capitalization of $3.87B and a trailing price-to-earnings ratio of 7.5. Over the most recent reported fiscal year, revenue grew 0.2%. Nama's AI scorecard rates it Buy, 6.3 out of 10. On 12-month momentum it ranks in the leading band of its market.
AI scorecard
Buy · 6.3/10
Positive, at the low end of Buy. As of Nov 7, 2026.
Momentum
Leading · +52.9% over 12 months ex. last
Top 20% of its market on the past year's steady rise.
Shariah screen
Not Shariah Compliant
At least one of the three ratios or the industry test failed.
Off its high
-11.1%
How far the last close sits under the highest price of the past five years.
Market cap
$3.87B
Trailing P/E
7.5
Price / book
1.1
Price / sales
1.4
FCF yield
—
Dividend yield
1.0%
Gross margin
0.0%
Operating margin
—
Net margin
19.9%
Revenue growth (YoY)
+0.2%
Revenue growth (3-yr annual)
-0.2%
EPS growth (YoY)
+58.8%
FCF/share growth (YoY)
—
Beta
1.2
Exchange
NYSE
Sector
Financial Services
Industry
Credit Services
BFH earnings
Next report: Jan 28, 2027 (Q4 2026, EPS estimate $1.52).
Beat the EPS estimate in 4 of 4 recent quarters.
Quarter
Reported
EPS
Estimate
Surprise
Revenue
Q3 2026
Oct 21, 2026
$3.84
$3.23
+18.9%
$1.02B
Q2 2026
Jul 22, 2026
$3.55
$2.77
+28.2%
$993.00M
Q1 2026
Apr 23, 2026
$4.18
$3.05
+37.0%
$1.02B
Q4 2025
Jan 29, 2026
$2.07
$0.48
+331.2%
$975.00M
BFH analyst price target
Median target $115.00 from 16 analysts, ranging $86.00 – $131.00.
Nama's AI scorecard currently rates Bread Financial Buy (6.3 out of 10), a call computed from its profitability, cash generation, growth, valuation and balance sheet. It is a research reading, not investment advice.
What is BFH's P/E ratio?
Bread Financial trades at a trailing price-to-earnings ratio of 7.5.
When does BFH report earnings?
Bread Financial's next scheduled report is on Jan 28, 2027. Analysts expect EPS of $1.52.
What is the BFH price target?
The median analyst price target from 16 analysts is $115.00, with a range of $86.00 – $131.00.
Is BFH Shariah compliant?
Nama's AAOIFI-style screen reads Bread Financial as Not Shariah Compliant. At least one of the three ratios or the industry test failed.