Bread Financial Holdings, Inc. (BFH)
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-11-05
$102.57-2.16%
Close 2026-11-05 · 1-day change
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-11-05
QuarterlyIQ Insights · BFH
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How this business ranks within financials on a research-validated quality screen. As of 2026-11-05.
The screen ranks BFH against its sector on four durable signals: share dilution, return on capital, free-cash-flow yield, and FCF margin. Historically the highest-quality names tended toward better typical outcomes and fewer bad years over multi-year holds (strongest at three years, modest at one), and that pattern showed up even before the price moved. It characterizes business quality, not price direction.
Each leg is a sector-relative percentile (higher is better); 3 of 4 legs were available for this name. The composite is built from these four; the raw value follows each percentile for context.
A forward quality tilt, not a price prediction, and context for your own research rather than a recommendation. Not investment advice.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 1 of the last 3 quarter-over-quarter moves. Historically, Financials names rated weak grew net income 57% of the time over the next year (vs 59% for the rest of the cohort, n=7714).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
• Total revenue: "We anticipate total revenue growth to be up low single digits from full year 2025, largely in line with average loan growth.
Stated in 3 of 5 supplied quarters. Management reported: “• Total revenue: "We anticipate total revenue growth to be up low single digits from full year 2025, largely in line with average loan growth.” “• Total revenue: "We anticipate total revenue growth to be up low single digits from full year 2025, largely in line with average loan growth.” Revenue was $1.294 billion in 2026-Q3.
“• Total revenue: "We anticipate total revenue growth to be up low single digits from full year 2025, largely in line with average loan growth.”
“• Total revenue: "We anticipate total revenue growth to be up low single digits from full year 2025, largely in line with average loan growth.”
“These new partnerships enable Bread Financial to deepen our presence in the home industry and provide expanded opportunity for strategic growth going forward.”
• Total expenses: "We manage expense growth based on revenue generation and investment opportunities and expect to deliver positive operating leverage in 2026, excluding the pretax impacts from our d…
Stated in 3 of 5 supplied quarters. Management reported: “• Total expenses: "We manage expense growth based on revenue generation and investment opportunities and expect to deliver positive operating leverage in 2026, excluding the pretax impacts from our debt repurchases.” “• Total expenses: "We manage expense growth based on revenue generation and investment opportunities and expect to deliver positive operating leverage in 2026, excluding the pretax impacts from our debt repurchases.”
"We are pleased with the continued year-over-year improvement in our credit metrics and expect ongoing gradual improvement in these metrics, reflecting our disciplined credit risk management and prod…
Stated in 3 of 5 supplied quarters. Management reported: “"We are pleased with the continued year-over-year improvement in our credit metrics and expect ongoing gradual improvement in these metrics, reflecting our disciplined credit risk management and product diversification.” “We continue to execute well on our credit strategies and expect ongoing gradual improvement in our credit metrics.”
With our CET1 ratio at the top end of our targeted range of 13% to 14%, we initiated our $200 million board-authorized share repurchase program, and have repurchased a cumulative $60 million of share…
Stated in 1 of 5 supplied quarters. Management reported: “With our CET1 ratio at the top end of our targeted range of 13% to 14%, we initiated our $200 million board-authorized share repurchase program, and have repurchased a cumulative $60 million of shares through September and into October.” “Today, we announced a $200 million increase to our share repurchase authorization.”
Expand partner-driven credit sales and loans while managing growth in line with the company's stated expectations.
Over the trailing year it converted 3.91x of net income into operating cash flow. Historically, Financials names rated robust grew net income 62% of the time over the next year (vs 56% for the rest of the cohort, n=6873).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, long-term interest rates, real (inflation-adjusted) rates, Fed net liquidity (low R² over the window).
28 material management or governance events in the past 24 months, led by capital-allocation actions. Historically, Financials names rated volatile grew net income 58% of the time over the next year (vs 59% for the rest of the cohort, n=7346).
Not investment advice. As of 2026-11-05.
“• Total expenses: "We manage expense growth based on revenue generation and investment opportunities and expect to deliver positive operating leverage in 2026, excluding the pretax impacts from our d…”
“• Total expenses: "We manage expense growth based on revenue generation and investment opportunities and expect to deliver positive operating leverage in 2026, excluding the pretax impacts from our d…”
“• Total expenses: "As a result of efficiencies gained from ongoing operational excellence initiatives, along with disciplined expense management and prudent investments, we expect to generate positiv…”
“"We are pleased with the continued year-over-year improvement in our credit metrics and expect ongoing gradual improvement in these metrics, reflecting our disciplined credit risk management and prod…”
“We continue to execute well on our credit strategies and expect ongoing gradual improvement in our credit metrics.”
“"Our ongoing disciplined credit risk management and product diversification continues to benefit our credit metrics.”
“With our CET1 ratio at the top end of our targeted range of 13% to 14%, we initiated our $200 million board-authorized share repurchase program, and have repurchased a cumulative $60 million of share…”