Bread Financial Holdings, Inc. (BFH) — Stock Score Summary

Bread Financial Holdings, Inc. (BFH) has a MoatMap StockRank of 82/100 based on Quality (54/100), Value (42/100), and Momentum (70/100) factor scores. The current signal is STRONG BUY. Bread Financial is a consumer credit and loyalty player highly sensitive to credit cycles and consumer defaults, failing our Terry Smith quality filter due to high leverage and lack of a structural moat.

Bread Financial Holdings, Inc. is a financial services company specializing in private-label and co-brand credit card programs, loyalty solutions, and marketing services for retailers and consumers. Its competitive moat is built on established partnerships with major retailers, advanced data analytics, and expertise in managing credit risk and fostering customer loyalty for its partners. Bread Financial serves as a key strategic ally for retailers seeking to enhance customer engagement and sales.

Key Financial Metrics

Price$94.22
Market Cap$3.6B
P/E (TTM)7.44
P/E (Forward)7.40
Price/Book1.13
Return on Equity17.5%
Gross Margin0.0%
Operating Margin34.0%
Revenue Growth6.1%
Dividend Yield1.0%

Bread Financial Holdings, Inc. operates in the Credit Services industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Bread Financial Holdings, Inc.’s (BFH) StockRank?
MoatMap’s StockRank for Bread Financial Holdings, Inc. (BFH) is 82/100, with a Strong Buy signal. It is a composite of Quality (54), Value (42), and Momentum (70) factor ranks across MoatMap’s 19,000+ stock universe.
Does Bread Financial Holdings, Inc. have an economic moat?
Bread Financial Holdings, Inc. (BFH) has a Quality factor score of 54/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Bread Financial Holdings, Inc. a buy, hold, or sell?
MoatMap’s current signal for Bread Financial Holdings, Inc. (BFH) is Strong Buy, based on a StockRank of 82/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Bread Financial Holdings, Inc. in?
Bread Financial Holdings, Inc. (BFH) operates in the Financial Services sector, specifically the Credit Services industry (United States).
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