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BFH

Bread FinancialA
NYSE / Financial Services
Last Price
At close
2026-06-02
View Chart
Current thesis
Bread sustains loan growth with stable credit metrics, reaccelerating fee revenue and margin expansion; upside driven by multiple expansion and recovery in card receivables growth.
Posture
Constructive
Lead driver
Momentum
What changed
Momentum remains the lead driver in the composite, 7D delta -0.5.
What can break
Rapid interest-rate shifts compressing NIM or funding costs
Momentum
80
Value
70
Sentiment
42
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $73.74 · Bull $102.90 · Bear $52.52
Data freshness
Prices
As of 2026-06-02
Fundamentals
As of 2026-06-01 • Vendor: Data Vendor v1
Scores
As of 2026-06-02 • Model: HYBRID_IC_RP
AI Memo
As of 2026-01-30 • Model: RankAlpha Sentiment AI
Investment thesis
As of 2026-06-02
Supporting evidence
What
Grade A · Constructive
Confidence Medium · Net Neutral
Target $84.57
Why
Momentum80 · Δ7d -0.5
Value70 · Δ7d +7.5
Sentiment42 · Δ7d -0.0
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.
Lead driver: Momentum · See technicals
Momentum
80
34% active weight
Current posture
7d trendImproving
Δ7d
-0.5
Δ21d
-1.4
Value
70
32% active weight
Current posture
7d trendImproving
Δ7d
+7.5
Δ21d
+7.3
Sentiment
42
33% active weight
Current posture
7d trendFlat
Δ7d
-0.0
Δ21d
+2.5
Why this grade

Composite grade A. Momentum 79.9 / Value 69.9 / Sentiment 42.0

Fundamentals (TTM)
As of 2026-06-01
Market Cap
$3.61B
Beta
1.26
Shares Out
45.66M
P/E (TTM)
7.7
P/S (TTM)
0.78
P/FCF (TTM)
1.80
Rev YoY
-4.3%
EPS YoY
+6628.8%
Gross Margin
+92.7%
Op Margin
+12.0%
Net Debt
$14.96B
Current Ratio
-
As of 2026-06-02 • Updated nightlySource: Internal modelMethodology