| Price | $96.50 |
| Year Range | $59.63 – $108.73 |
| Market Cap | $3.86B |
| PE Ratio | 7.66 |
| Industry | Credit Services |
What Is Bread Financial’s AI Stock Analysis?
Bread Financial’s AI stock analysis on AltIndex combines the company’s fundamentals, price technicals and 25+ alternative data signals — like hiring, web traffic, app downloads and online sentiment — into a single AI Score from 0 to 100 and a plain-English Buy, Hold or Sell read. Unlike a traditional analyst rating that updates a few times a year, the AI Score refreshes as new data arrives, so it tracks Bread Financial’s momentum in near-real time.
Bread Financial (BFH) has an AltIndex AI Score of 63/100, currently a Buy signal. The AI Score distills Bread Financial's fundamentals, price technicals and 25+ alternative data signals into a single 0–100 rating, so a rising score reflects strengthening data across the board and a falling score the opposite.
Bread Financial’s Full AI Analysis
Keep reading AltIndex’s full AI analysis of Bread Financial — the fundamental, technical and alternative-data breakdown and the recommendation.
Sign up to read the full analysisWhat’s Driving BFH’s AI Score?
Fundamentals
Revenue for the last quarter was $1.21B. This is an increase of 3.15% compared to the quarter before it, which is a positive sign of growth. Compared to the same quarter last year, there is an increase of 1.34%, suggesting positive year-over-year growth. Net income for the last quarter was $181M. This is an increase of 241.51% compared to the quarter before it, which is a positive sign of growth. Compared to the same quarter last year, there is an increase of 31.16%, suggesting positive year-over-year growth. Ebitda for the last quarter was $262M. This is an increase of 296.97% compared to the quarter before it, which is a positive sign of growth. Compared to the same quarter last year, there is an increase of 20.18%, suggesting positive year-over-year growth. The current P/E ratio is 7.66. This may be considered low, potentially indicating undervaluation and a bullish outlook. In the last couple of months, there's been a couple of company insiders selling their stock, a potentially bearish signal.
See Bread Financial’s earnings and insider transactions.
Technicals
Today's stock price is $96.50. This represents a decrease of 5.05% compared to a month ago, which may be concerning in the short-term. Compared to a year ago, there is an increase of 59.64%, suggesting a positive long-term trend. The trend is bearish. The current SMA10 is $100.60, which is lower than the previous SMA10 of $101.78. This suggests a potential downward trend in price movement. The RSI is 56.9, indicating a neutral condition.
See the full technical analysis and price prediction.
Alternative data
Bread Financial has an estimated 29 open positions. This number is down by -36% in the last couple of months, indicating a company trying to improve its margins or cut costs. Not a great sign for a growing company. The business outlook among employees at Bread Financial is very high (an estimate of 84% of employees have a positive outlook), a positive sign. Bread Financial has an estimate of 1.2M visitors to their webpage, with no meaningful increase or decrese in the last couple of months. Bread Financial has an estimate of 33 users downloading their mobile apps every day, with no meaningful increase or decrese in downloads over the last couple of months.
Explore Bread Financial’s job postings, web traffic and app downloads.
Sentiment & social
Bread Financial has 8,200 followers on their Instagram page. The number of followers is up by 5% in the last couple of months, indicating an increased interest in the company. Bread Financial has 6,000 followers on their Twitter page, with no meaningful increase or decrese in the last couple of months.
Track Bread Financial’s market sentiment.
Frequently Asked Questions: Bread Financial AI Stock Analysis
Bread Financial's AltIndex AI Score is 63/100, currently a Buy signal. The AI Score blends fundamentals, technicals and 25+ alternative data signals into a single rating from 0 to 100.
AltIndex's AI Score model rates Bread Financial a Buy (63/100). This is a data-driven signal, not investment advice — review the breakdown above and combine it with your own research.
The AI Score is generated from fundamental data (earnings, valuation), technical indicators (price trend and momentum), and alternative data signals such as hiring, web traffic, app downloads and sentiment. AltIndex weighs these into a single 0-100 score; the exact weighting is proprietary.
AltIndex generates a complete written AI analysis of Bread Financial — company overview, fundamentals, technicals and alternative data, with a recommendation. See the BFH AI Score or sign up to read the full thesis.
