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BFH

Bread FinancialB
NYSE / Financial Services
Last Price
Quote time unavailable
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Current thesis
The adjusted EPS beat, 9% credit-sales growth, improved loss-rate outlook, and 19% growth in tangible book value per share support earnings durability if credit quality holds [#PR-2026-10-22].
Posture
Constructive
Lead driver
Value
What changed
3 setup hits (3d) with net bullish as of 2026-10-26.
What can break
CET1 declined to 13.1% from 14.0% a year earlier amid capital optimization [#PR-2026-10-22].
Momentum
72
Value
60
Sentiment
52
Setup hits (3d)
3 · Net Bullish
AI TargetsBase $99.00 · Bull $119.00 · Bear $82.00Analysis 2026-10-23; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-26 • Vendor: Data Vendor v1
Scores
As of 2026-10-26 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-23 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-26

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-26. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Bullish
Target $117.07
Why
Momentum72 · Δ7d +14.8
Value60 · Δ7d -0.0
Sentiment52 · Δ7d -14.2
So what
Strength-led posture (Net Bullish). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • 3 setup hits (3d) with net bullish as of 2026-10-26.
  • • Value remains the lead driver in the composite, 7D delta -0.0.

Contradictions & invalidation

  • • CET1 declined to 13.1% from 14.0% a year earlier amid capital optimization [#PR-2026-10-22].
  • • Net income fell 17% year over year; the prior-year period included a $38 million favorable tax item [#PR-2026-10-22].
  • • The approximately 5.6% earnings-day share decline despite the reported beat argues against treating the print as an unqualified positive.

Catalyst clock

2026-10-22

Q3 earnings beat met a negative share-price reaction

Lead driver: Value · See fundamentals
Momentum
72
8% active weight
Current posture
7d trendImproving
Δ7d
+14.8
Δ21d
+8.2
Value
60
47% active weight
Current posture
7d trendFlat
Δ7d
-0.0
Δ21d
-0.3
Sentiment
52
45% active weight
Current posture
7d trendSoftening
Δ7d
-14.2
Δ21d
-28.8
Why this grade

Composite grade B. Momentum 71.8 / Value 59.6 / Sentiment 52.1

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-23. Scenario method

B+
Bull case
25%
Probability
Target price
$119.00
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
Most likely
B
Base case
45%
Probability
Target price
$99.00
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
B-
Bear case
30%
Probability
Target price
$82.00
Analysis reference price unavailable
Analysis 2026-10-23 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-26
Market Cap
$3.91B
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 2026-10-26 • Updated nightlySource: Internal modelMethods & Data