Bread Financial Holdings Stock Analysis

Bread Stock Analysis Notes

About 99.0% of the company shares are held by institutions such as insurance companies. The company has price-to-book (P/B) ratio of 0.96. Some equities with similar Price to Book (P/B) outperform the market in the long run. Bread Financial Holdings has Price/Earnings To Growth (PEG) ratio of 0.5. The entity recorded earning per share (EPS) of 10.96. The firm last dividend was issued on the 27th of February 2026. Bread Financial had 1253:1000 split on the 8th of November 2021. Bread Financial Holdings, Inc. provides tech-forward payment and lending solutions to customers and consumer-based industries in North America. Bread Financial Holdings, Inc. was founded in 1996 and is headquartered in Columbus, Ohio. Bread Financial operates under Credit Services classification in the United States and is traded on New York Stock Exchange. It employs 6000 people. For more info on Bread Financial Holdings please contact Ralph Andretta at (614) 729-4000 or go to https://www.breadfinancial.com.

Bread Financial Holdings Investment Alerts

Bread Largest EPS Surprises

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Bread Financial Environmental, Social, and Governance (ESG) Scores

Bread Stock Institutional Investors

Note, although Bread Financial's institutional investors appear to be way more sophisticated than retail investors, it remains unclear if professional active investment managers can reliably enhance risk-adjusted returns by an amount that exceeds fees and expenses.

Bread Market Capitalization

The company currently falls under 'Mid-Cap' category with a total capitalization of 3.34 B.

Bread Profitablity

The company has Net Profit Margin of 0.2 %, which implies that it may need a different competitive strategy as even a very small decline in it revenue may erase profits and result in a net loss. This is way below average. In the same way, it shows Net Operating Margin of 0.17 %, which entails that for every 100 dollars of revenue, it generated $0.17 of operating income.

Management Efficiency

Bread Financial Holdings has Return on Asset of 0.0229 % which means that on every $100 spent on assets, it made $0.0229 of profit. This is way below average. In the same way, it shows a return on shareholders' equity (ROE) of 0.1634 %, implying that it generated $0.1634 on every 100 dollars invested. Bread Financial's management efficiency ratios could be used to measure how well Bread Financial manages its routine affairs as well as how well it operates its assets and liabilities. As of now, Bread Financial's Return On Tangible Assets are decreasing as compared to previous years. The Bread Financial's current Return On Capital Employed is estimated to increase to 0.1, while Return On Assets are projected to decrease to 0.02. As of now, Bread Financial's Debt To Assets are decreasing as compared to previous years. The Bread Financial's current Fixed Asset Turnover is estimated to increase to 42.17, while Total Assets are projected to decrease to under 14.4 B.

Technical Drivers

As of the 18th of February 2026, Bread Financial shows the mean deviation of 1.73, and Risk Adjusted Performance of 0.084. Bread Financial Holdings technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices.

Bread Financial Holdings Price Movement Analysis

Bread Financial Holdings Insider Trading Activities

Bread Financial Outstanding Bonds

Bread Financial Predictive Daily Indicators

Bread Financial Corporate Filings

Bread Financial Forecast Models

Bread Financial's time-series forecasting models are one of many Bread Financial's stock analysis techniques aimed at predicting future share value based on previously observed values. Time-series forecasting models ae widely used for non-stationary data. Non-stationary data are called the data whose statistical properties e.g. the mean and standard deviation are not constant over time but instead, these metrics vary over time. These non-stationary Bread Financial's historical data is usually called time-series. Some empirical experimentation suggests that the statistical forecasting models outperform the models based exclusively on fundamental analysis to predict the direction of the market movement and maximize returns from investment trading.

Bread Financial Bond Ratings

Bread Financial Holdings financial ratings play a critical role in determining how much Bread Financial have to pay to access credit markets, i.e., the amount of interest on their issued debt. The threshold between investment-grade and speculative-grade ratings has important market implications for Bread Financial's borrowing costs.

Bread Financial Holdings Debt to Cash Allocation

Bread Financial Holdings has 4.31 B in debt with debt to equity (D/E) ratio of 3.27, meaning that the company heavily relies on borrowing funds for operations. Bread Financial Holdings has a current ratio of 1.73, which is typical for the industry and considered as normal. That said, strategic use of leverage may enable Bread to fund expansion initiatives and generate superior returns.

Bread Financial Total Assets Over Time

Bread Financial Assets Financed by Debt

The debt-to-assets ratio shows the degree to which Bread Financial uses debt to finance its assets. It includes both long-term and short-term borrowings maturing within one year. It also includes both tangible and intangible assets, such as goodwill.

Bread Financial Debt Ratio

26.0

It feels like most of the Bread Financial's assets are financed through equity. Typically, companies with high debt-to-asset ratios are said to be highly leveraged. The higher the ratio, the greater risk will be associated with the Bread Financial's operation. In addition, a high debt-to-assets ratio may indicate a low borrowing capacity of Bread Financial, which in turn will lower the firm's financial flexibility.

Bread Financial Corporate Bonds Issued

Bread Net Debt

Stock analysis is the technique used by a trader or investor to examine and evaluate how Bread Financial prices is reacting to, or reflecting on a current market direction and economic conditions. It can be used to make informed decisions about market timing, and when buying or selling Bread shares will generate the highest return on investment. We also built our stock analysis module to help investors to gain an insight into the world economy as a whole, the stock market, thematic ideas. a specific sector, or an individual Stock such as Bread Financial. By using and applying Bread Stock analysis, traders can create a robust methodology for identifying Bread entry and exit points for their positions.

We track the performance of the top 100 financial experts across various large and mid-size financial boutiques. Bread analyst recommendations are determined by taking all analyst recommendations and averaging them as Strong Buy, Buy, Hold, Strong Sell or Sell. There is no one specific way to measure analysis performance other than comparing it to the past results via a very sophisticated attribution analysis. Bread analyst consensus and target price projections should be used in combination with other traditional techniques such as stock price forecasting, technical analysis, earnings estimate, and various momentum models.

Bread Financial Holdings stock analysis indicators help investors evaluate how Bread Financial stock reacts to ongoing and evolving market conditions. The investors can use it to make informed decisions about market timing and determine when trading Bread Financial shares will generate the highest return on investment. By understating and applying Bread Financial stock analysis, traders can identify Bread Financial position entry and exit signals to maximize returns.

When running Bread Financial's price analysis, check to measure Bread Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Bread Financial is operating at the current time. Most of Bread Financial's value examination focuses on studying past and present price action to predict the probability of Bread Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Bread Financial's price. Additionally, you may evaluate how the addition of Bread Financial to your portfolios can decrease your overall portfolio volatility.