Bread Financial Holdings, Inc.

Bread Financial Holdings, Inc.

BFH
Bread Financial Holdings, Inc.US flagNew York Stock Exchange
101.68
USD
+2.20
- -
4.11BMarket Cap
Bread Financial Holdings, Inc.
BFH
(New York Stock Exchange)

Recent

price

101.68

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
53.17
62.59
72.83
87.79
94.02
104.03
121.81
98.29
103.22
66.96
69
65.79
77.56
86.24
77.38
82.16
85.88
Revenue per Share
3.69
6.22
8.45
10.08
8.98
9.64
8.8
14.16
17.54
5.5
4.48
16.12
4.47
14.42
5.58
11.07
12.35
Basic EPS, GAAP
17.19
19.95
22.68
20.4
23.83
28.43
36.3
46.66
50.18
24.36
39.39
31.05
37.03
39.9
37.48
44.7
48.22
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
0.51
2.07
2.28
2.54
1.28
0.85
0.86
0.84
0.87
0.9
0.97
Dividend per Share
15.56
22.33
31.08
41.68
45.07
49.98
59.66
74.83
91.32
103.29
101.11
-1.73
1.88
15.42
20.16
31.52
36.24
Book Value per Share
-28.82
-32.68
-36.11
-27.24
-48.75
-45.89
-53.68
-50.73
21.13
9.6
16.97
28.15
29.38
43.29
46.47
55.79
57.73
Tangible Book Value per Share
52
51
50
49
56
62
59
56
55
50
48
50
50
50
50
47
45
Basic Weighted Avg Shares
2,791
3,173
3,641
4,319
5,303
6,440
7,138
5,475
5,667
3,348
3,298
3,270
3,870
4,295
3,838
3,845
3,893
Sales/Revenue/Turnover
11.14
16.2
18.75
18.37
15.8
15.47
11.73
19.41
21.44
24.2
11.96
31.93
- -
- -
- -
- -
- -
Operating Margin (%)
143
153
167
216
313
492
512
498
487
249
184
123
113
116
90
80
78
Depreciation Expense
194
315
422
496
506
596
516
789
963
278
214
801
223
718
277
518
562
Net Income, GAAP
37.07
38.67
38.17
37.46
38.41
35.02
38.16
27.6
22.18
23.56
30.9
23.66
25.33
23.86
26.77
15.28
15
Effective Tax Rate (%)
6.94
9.94
11.6
11.49
9.55
9.26
7.23
14.41
17
8.3
6.49
24.5
5.76
16.72
7.22
13.47
14.44
Profit Margin (%)
2,267
2,752
4,099
5,888
7,509
9,847
10,360
14,559
13,228
12,241
8,689
8,089
- -
- -
- -
- -
- -
Working Capital
1,614
2,164
4,708
6,003
8,134
10,081
10,103
13,416
10,521
7,293
8,676
7,579
8,133
5,440
5,685
4,393
3,941
LT Debt
23
176
528
856
2,632
2,177
1,658
1,855
2,332
1,588
1,522
2,086
2,265
2,918
3,051
3,327
3,325
Total Equity
9.88
14.67
8.49
6.27
5.08
5.01
3.7
4.96
5.81
5.03
2.8
7.77
- -
- -
- -
- -
- -
Return on Invested Capital (%)
10.1
13.55
8.93
6.78
5.34
5.23
4.21
5.21
5.79
2.44
2.22
7.63
2.84
9.95
4.3
8.25
9.5
Return on Capital (%)
20.94
32.36
31.44
27.53
22.05
21.17
15.66
20.58
20.98
5.41
4.28
- -
- -
166.59
31.33
41.86
40.43
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
3,787
4,308
3,941
LT Finance Leases
- -
85
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
46
44
41
Market Capitalization
2,674
3,509
3,395

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
3,938
3,775
3,809
Accounts Receivable, Net
- -
148
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
768
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
6.58%
17.62%
9.05%
Free Cash Flow
6.32%
3.06%
12.53%
Net Income, GAAP
41.7%
89.94%
87%
Sales/Revenue/Turnover
-3.33%
3.6%
0.18%
Total Cash Common Dividend
- -
-6.21%
-2.33%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
991
939
983
925
3,838
2025
970
929
971
975
3,845
2026
1,018
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
2.71
2.68
0.04
0.14
5.58
2025
2.82
2.98
4.04
- -
11.07
2026
4.18
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.22
0.22
0.2
0.22
0.87
2025
0.24
0.21
0.19
- -
0.9
2026
0.33
- -
- -
- -
- -
Business
Bread Financial Holdings, Inc. (NYSE: BFH) is a tech-forward financial services company that provides private label and co-brand credit card programs, buy now pay later products including installment loans and split-pay offerings, direct-to-consumer credit cards such as Bread Cashback American Express Credit Card, and savings products through Bread Savings including high-yield savings accounts and certificates of deposit; it offers these solutions to large consumer brands like AAA, NFL, Victoria's Secret, Ulta Beauty, Caesars Entertainment, Academy Sports + Outdoors, Michaels, Signet Jewelers, and small- to medium-sized businesses primarily in North America. Founded in 1996 through the merger of J.C. Penney's credit card processing unit and The Limited's credit card bank operation and headquartered in Columbus, Ohio, the company operates through subsidiaries Comenity Bank and Comenity Capital Bank, which handle account origination, funding, processing, servicing, risk management, fraud prevention, marketing, data analytics, and digital capabilities. In recent developments, Bread Financial expanded its home furnishings portfolio in Q3 2025 by signing new brand partners including Bed Bath & Beyond, Furniture First—a national cooperative serving independent retailers—and Raymour & Flanagan, the largest furniture retailer in the Northeast U.S.; it completed a $300 million add-on senior notes offering due 2029 in January 2024 as joint bookrunner transaction upsized from $200 million; and in October 2024 adjusted its soft interest rate to 29.99% while adding fees ahead of anticipated Consumer Financial Protection Bureau changes capping late fees at $8 from $41.

Company News

APIChatGPT
  • Bessemer Group Inc. Raises Holdings in Bread Financial Holdings, Inc. $BFH

  • Bread Financial Holdings (BFH) Expected to Beat Earnings Estimates: Can the Stock Move Higher?

  • Bread Financial Announces Executive Leadership Changes

  • Will Bread Financial (BFH) Beat Estimates Again in Its Next Earnings Report?

  • Inflation Just Hit a 3-Year High. These Credit Card Stocks Will Show the Strain First.

  • Bread Financial Schedules Second Quarter 2026 Earnings Conference Call for Jul. 23

  • BFH Outperforms Industry, Trades Near 52-Week High: Time to Buy?

  • BFH or FUTU: Which Is the Better Value Stock Right Now?

  • Bread Financial: A High-Quality Lender Trading At A Discount

  • Is Bread Financial (BFH) Stock Outpacing Its Finance Peers This Year?

  • All You Need to Know About Bread Financial (BFH) Rating Upgrade to Strong Buy

  • BFH or FUTU: Which Is the Better Value Stock Right Now?

  • Bread Financial Holdings, Inc. (BFH) Hit a 52 Week High, Can the Run Continue?

  • New Strong Buy Stocks for June 11th

  • Best Value Stocks to Buy for June 11th

  • Bread Financial Holdings, Inc. (BFH) Presents at Morgan Stanley US Financials Conference 2026 Transcript

  • Bread Financial Provides Performance Update for May 2026

  • BFH Stock Trading at a Discount to Industry at 7.96X: Time to Buy?

  • BFH or BAM: Which Is the Better Value Stock Right Now?

  • Bread Financial to Participate in the Morgan Stanley US Financials Conference