Bread Financial: Loan Growth, Single-Digit P/E, Bullish Chart - Despite Macro Risks

Bread Financial Holdings, Inc. is reiterated as a Buy, driven by low valuation, strong growth, and robust technicals. BFH delivered a double beat in Q4, with non-GAAP EPS of $2.07 and revenue up 5%, highlighting operational efficiency and improved credit quality. Capital management remains a priority, with a $600M buyback increase, 10% dividend hike, and expanding direct-to-consumer deposits.