BFH

Bread FinancialB

NYSE / Financial Services

At close

2026-07-18

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

Value

What changed

Next scheduled catalyst: earnings 2026-07-23 · BMO.

What can break

Rapid interest-rate shifts compressing NIM or funding costs

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $73.74 · Bull $102.90 · Bear $52.52

Earnings

2026-07-23 · BMO

Data freshness

Prices

As of 2026-07-18

Fundamentals

As of 2026-07-15 • Vendor: Data Vendor v1

Scores

As of 2026-07-18 • Model: HYBRID_IC_RP

AI Memo

As of 2026-01-30 • Model: RankAlpha Sentiment AI

Investment thesis

As of 2026-07-18

Supporting evidence

What

Grade B · Constructive

Confidence Medium · Net Neutral

Target $111.93

Why

Momentum81 · Δ7d -5.3

Value61 · Δ7d -0.1

Sentiment38 · Δ7d -4.3

So what

Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Lead driver: Value · See fundamentals

Momentum

26% active weight

Current posture

7d trendFlat

Δ7d

-5.3

Δ21d

-9.5

Value

39% active weight

Current posture

7d trendFlat

Δ7d

-0.1

Δ21d

-0.2

Sentiment

34% active weight

Current posture

7d trendSoftening

Δ7d

-4.3

Δ21d

+3.3

Why this grade

Composite grade B. Momentum 81.4 / Value 60.6 / Sentiment 38.2

Fundamentals (TTM)

As of 2026-07-15

Market Cap

$4.01B

Beta

1.26

Shares Out

40.41M

P/E (TTM)

7.7

P/S (TTM)

0.78

P/FCF (TTM)

1.80

Rev YoY

+1.3%

EPS YoY

+48.9%

Gross Margin

+92.7%

Op Margin

+12.0%

Net Debt

$3.98B

Current Ratio

1.02

As of 2026-07-18 • Updated nightlySource: Internal modelMethodology