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BFH

Bread FinancialB
NYSE / Financial Services
Last Price
Quote time unavailable
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Current thesis
Q2 secondary context indicates a meaningful earnings and revenue beat alongside credit-sales and loan growth, while the company also maintained a common dividend [#SEC-8K-2026-07-23].
Posture
Constructive
Lead driver
Sentiment
What changed
3 setup hits (3d) with net bullish as of 2026-09-10.
What can break
Analyst target breadth, estimate revisions, and post-earnings market-reaction attribution are unavailable.
Momentum
63
Value
60
Sentiment
67
Setup hits (3d)
3 · Net Bullish
AI TargetsBase $116.00 · Bull $128.00 · Bear $94.00Analysis 2026-08-05; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-10 • Model: HYBRID_IC_RP
AI Memo
As of 2026-08-05 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-10

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-10. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Bullish
Target $117.87
Why
Momentum63 · Δ7d -8.9
Value60 · Δ7d -8.1
Sentiment67 · Δ7d +1.7
So what
Strength-led posture (Net Bullish). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • 3 setup hits (3d) with net bullish as of 2026-09-10.
  • • Sentiment remains the lead driver in the composite, 7D delta +1.7.

Contradictions & invalidation

  • • Analyst target breadth, estimate revisions, and post-earnings market-reaction attribution are unavailable.
  • • Consumer-credit deterioration, higher losses, or reserve pressure could offset loan and credit-sales growth.
  • • Forward visibility remains limited: the packet does not provide detailed management guidance, reserve or delinquency commentary, or analyst revision data.

Catalyst clock

2026-07-23

Q2 growth and earnings beat

Lead driver: Sentiment · See AI snapshot
Momentum
63
9% active weight
Current posture
7d trendSoftening
Δ7d
-8.9
Δ21d
-20.5
Value
60
28% active weight
Current posture
7d trendSoftening
Δ7d
-8.1
Δ21d
+0.1
Sentiment
67
62% active weight
Current posture
7d trendImproving
Δ7d
+1.7
Δ21d
+0.1
Why this grade

Composite grade B. Momentum 62.7 / Value 59.8 / Sentiment 66.7

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-08-05. Scenario method

B+
Bull case
20%
Probability
Target price
$128.00
Analysis reference price unavailable
Analysis 2026-08-05 · RankAlpha Sentiment Codex
Most likely
B
Base case
55%
Probability
Target price
$116.00
Analysis reference price unavailable
Analysis 2026-08-05 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$94.00
Analysis reference price unavailable
Analysis 2026-08-05 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$4.27B
Beta
1.26
Shares Out
38.42M
P/E (TTM)
7.7
P/S (TTM)
0.78
P/FCF (TTM)
1.80
Rev YoY
+3.7%
EPS YoY
+20.1%
Gross Margin
+92.7%
Op Margin
+14.4%
Net Debt
$3.98B
Current Ratio
1.44
As of 2026-09-10 • Updated nightlySource: Internal modelMethods & Data