Bread Financial Holdings (BFH): Strong Position in Attractive Niches with Favorable Valuations

2 days ago 2

Soumya Eswaran

Thu, November 13, 2025 astatine 8:41 AM CST 3 min read

Turtle Creek Asset Management, an concern absorption company, has released its third-quarter 2025 capitalist letter. A transcript of the missive tin beryllium downloaded here. The steadfast believes that the portfolio offered a compelling accidental successful a highly valued marketplace environment. The nett plus worth of the Turtle Creek Equity Fund accrued by 0.4% successful the 3rd quarter, lagging down the S&P MidCap 400 index’s 7.7% summation and the S&P/TSX Completion index’s 16.3% gain. Turtle Creek Synthetic PE Fund accrued 1.4%, Turtle Creek United States Equity Fund decreased 1.0% and Turtle Creek Canadian Equity Fund accrued 7.8% during the aforesaid period. In addition, delight cheque the fund’s apical 5 holdings to cognize its champion picks successful 2025.

In its third-quarter 2025 capitalist letter, Turtle Creek Asset Management highlighted stocks specified arsenic Bread Financial Holdings, Inc. (NYSE:BFH). Bread Financial Holdings, Inc. (NYSE:BFH) is simply a fiscal services institution that offers tech-forward outgo and lending solutions. The one-month instrumentality of Bread Financial Holdings, Inc. (NYSE:BFH) was 7.05%, and its shares gained 13.63% of their worth implicit the past 52 weeks. On November 12, 2025, Bread Financial Holdings, Inc. (NYSE:BFH) banal closed astatine $63.96 per share, with a marketplace capitalization of $2.917 billion.

Turtle Creek Asset Management stated the pursuing regarding Bread Financial Holdings, Inc. (NYSE:BFH) successful its 3rd 4th 2025 capitalist letter:

"Bread Financial Holdings, Inc. (NYSE:BFH) provides white-labeled recognition cards (private statement oregon co-branded) and ‘buy now, wage later’ lending arsenic good arsenic related loyalty programme and selling services for marque partners successful North America including AAA, the NFL, Ulta Beauty, and galore others. It besides offers precocious output deposit accounts to consumers nether its ain Bread Financial brand. It is neither the largest successful its manufacture nor bash we deliberation of it arsenic the leader. That acknowledgement goes to a institution called Synchrony Financial which is 5 times larger than Bread. We cognize Synchrony good and successful information ain it today, conscionable not successful our flagship fund. Bread’s absorption squad is beardown and the committee is shareholder aligned. Once we present valuation, Bread is superior to Synchrony astatine existent stock prices specified that contiguous it is 1 of the largest holdings successful the flagship fund."

Bread Financial Holdings, Inc. (NYSE:BFH) is not connected our database of 30 Most Popular Stocks Among Hedge Funds. According to our database, 30 hedge money portfolios held Bread Financial Holdings, Inc. (NYSE:BFH) astatine the extremity of the 2nd quarter, the aforesaid arsenic successful the erstwhile quarter. In the 3rd 4th of 2025. In the 3rd 4th of 2025, Bread Financial Holdings, Inc. (NYSE:BFH) reported gross of $971 million. While we admit the imaginable of Bread Financial Holdings, Inc. (NYSE:BFH) arsenic an investment, we judge definite AI stocks connection greater upside imaginable and transportation little downside risk. If you're looking for an highly undervalued AI banal that besides stands to payment importantly from Trump-era tariffs and the onshoring trend, spot our escaped study connected the best short-term AI stock.