Bread Financial Holdings, Inc. BFH

102.91 1.35 1.33% as of 25 Sep
Market cap
$3.9B
P/E
8.0×
Growth Flags show if company had growth for consecutive years,
Insider Buys alert about insiders buying in the last 12 month

Insider Decisions

Total buys 0.06
Total sells 2.51
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — — — — 1 — — — 1
Sell — — — — — — 1 1 — 1 — —
Insider Ownership 6.69%

Capital & Financial Ratios

Market Cap 3,900.00
Revenue 4,751.00
Net Income 570.00
Free Cash Flow 2,170.00
Net Debt (16,800.00)
Current Ratio 1.17
Debt/Equity 0.98
P/E ratio 7.97
P/S ratio 0.87
P/B ratio 1.22
Past 5Y EPS Growth (3.85%)
This Y EPS Growth 0.89%
Next Y EPS Growth 11.53%
Next 5Y EPS Growth 10.15%
in millions of $

Dividends

Payout Ratio 0.08
Annual Dividend Rate 0.84
Annual Dividend Yield 2.42%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 0.92
0.23
0.23
0.23
2025 0.86
0.21
0.21
0.21
0.23
2024 0.84
0.21
0.21
0.21
0.21
2023 0.84
0.21
0.21
0.21
0.21
2022 0.84
0.21
0.21
0.21
0.21
2021 0.71
0.17
0.17
0.17
0.21
2020 1.01
0.50
0.17
0.17
0.17
2019 2.01
0.50
0.50
0.50
0.50
2018 1.82
0.45
0.45
0.45
0.45
2017 1.66
0.42
0.42
0.42
0.42
2016 0.42
0.42
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 20,595 20,334 20,303 20,085
Receivables 17,005 — — —
Inventory — — — —
Other — — — —
20,595 20,334 20,303 20,085
2023 2024 2025 Q'26
Payables — — — —
ST’ Debt 3,898 4,558 3,422 2,447
Other 13,620 13,082 13,916 14,732
17,518 17,640 17,338 17,179
in millions of $

Compound Annual Growth

10y 5y 3y
Sales (3.11%) 4.34% 2.75%
Cash Flow 1.74% 2.13% 4.22%
Earnings (0.62%) 19.34% 32.44%
Book Value 5.17% 16.93% 13.67%

Revenue

Mar Jun Sep Dec Year
’26 1,211 1,188 — — —
’25 1,195 1,149 1,181 1,171 4,696
’24 1,239 1,175 1,219 1,154 4,787
’23 1,277 1,157 1,250 1,254 4,938
’22 1,000 988 1,112 1,229 4,329
’21 909 864 942 930 3,645
’20 1,382 979 1,051 385 3,797
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 487 533 — — —
’25 393 526 605 568 2,092
’24 447 477 456 479 1,859
’23 398 343 629 617 1,987
’22 497 246 608 497 1,848
’21 517 216 475 335 1,543
’20 573 495 421 394 1,883
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 480 529 — — —
’25 388 519 597 564 2,068
’24 430 468 453 472 1,823
’23 387 337 619 596 1,939
’22 474 222 597 483 1,776
’21 505 193 451 314 1,463
’20 557 485 409 378 1,829
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 4.15 3.55 — — —
’25 2.78 2.94 3.96 1.16 10.89
’24 2.70 2.66 0.05 0.14 5.49
’23 9.08 0.95 3.42 0.87 14.34
’22 4.20 0.25 2.69 (2.68) 4.46
’21 5.74 5.47 4.47 0.34 16.02
’20 0.63 0.81 2.79 0.25 4.46
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

2.1
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
140.97 166.80 113.79 79.17 16.37 52.10 28.85 23.19 28.00 38.21

Analyst estimates 2026–2028

Powerpack
Low Price
220.22 212.49 222.13 146.01 92.27 102.28 75.60 44.52 66.71 78.98
High Price
17,000 20,000 20,000 8,500 8,000 6,000 7,500 7,000 6,000 6,000
Employees
0 0 0 1 0 1 1 1 1 1
Revenue/Emp
7,138 5,475 5,667 4,688 3,797 3,645 4,329 4,938 4,787 4,696
Revenue
40.08% 54.89% 55.23% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Gross Margin
837 1,063 1,215 662 301 1,044 300 968 381 615
EBT
11.73% 19.41% 21.44% 14.12% 7.93% 28.64% 6.93% 19.60% 7.96% 13.10%
EBT Margin
518 789 963 278 214 801 223 718 277 518
Net Income
547 542 535 533 294 229 223 234 203 171
Depreciation
121.81 98.29 103.22 93.76 79.44 73.34 86.75 99.16 96.51 100.34
Revenue/Sh
7.37 14.17 17.56 6.02 4.47 16.09 4.47 14.39 5.58 11.07
Earnings/Sh
36.30 46.66 50.18 24.36 39.39 31.05 37.03 39.90 37.48 44.70
Cash Flow/Sh
(3.53) (4.05) (3.64) (2.84) (1.13) (1.61) (1.44) (0.96) (0.73) (0.51)
Capex/Sh
32.77 42.62 46.54 21.52 38.26 29.44 35.59 38.94 36.75 44.19
Free CF/Sh
28.30 33.31 42.48 31.77 31.84 41.97 45.39 58.59 61.51 71.09
Book Value/Sh
59 56 55 50 48 50 50 50 50 47
Shares
25.34 14.35 6.81 14.90 13.20 4.13 8.49 2.30 10.92 6.77
PE Ratio
1.53 2.07 1.16 0.96 0.74 0.91 0.44 0.33 0.63 0.74
PS Ratio
6.57 6.12 2.82 2.82 1.86 1.59 0.84 0.56 0.99 1.04
PB Ratio
4.20 6.02 4.93 4.88 2.25 2.11 1.39 (2.77) (2.45) (2.67)
EV/Sales
15.62 13.89 10.93 21.27 4.67 5.26 3.38 (7.04) (6.44) (6.06)
EV/FCF
2,127 2,599 2,755 1,218 1,883 1,543 1,848 1,987 1,859 2,092
Op' Cash Flow
(207) (225) (200) (142) (54) (80) (72) (48) (36) (24)
Capex
1,920 2,374 2,555 1,076 1,829 1,463 1,776 1,939 1,823 2,068
FCF
10,360 14,559 13,228 12,241 2,069 2,133 2,851 3,077 2,694 2,965
Working Cap'
20,949 25,818 25,171 22,286 8,516 7,439 8,007 5,292 5,557 4,308
Total Debt
19,090 21,628 21,353 18,411 5,720 4,393 4,116 (15,303) (14,777) (15,995)
Net Debt
1,658 1,855 2,332 1,588 1,522 2,086 2,265 2,918 3,051 3,327
Sh' Equity
2.16% 2.81% 3.15% 0.95% 0.87% 3.62% 0.95% 2.96% 1.20% 2.27%
ROA
3.81% 4.04% 4.64% 11.46% 25.36% 26.35% 31.90% 0.00% 0.00% 0.00%
ROIC
28.12% 44.90% 46.00% 13.72% 13.76% 44.40% 10.25% 27.71% 9.28% 16.24%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Bread Financial Holdings, Inc. peers in Credit Services

All 55 Credit Services stocks →

Bread Financial Holdings, Inc. (BFH) key facts

  • Bread Financial Holdings, Inc. (BFH) is a Credit Services company in the Financial sector, listed on the New York Stock Exchange.
  • Bread Financial Holdings, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $4.7 billion, down 1.90% from fiscal 2024.
  • As of September 25, 2026, BFH traded at $102.91, a market capitalization of $3.9 billion.
  • Bread Financial Holdings, Inc. pays an annual dividend of $0.84 per share, a yield of 2.42%, with a payout ratio of 7.56%.
  • Return on equity was 16.2% and debt-to-equity 0.98.

Source: company filings (standardised) and stockrow calculations.

Bread Financial Holdings, Inc. (BFH) Latest News

News by impact score

Fine-tune

20 Sep

4

Signet Jewelers reported Q2 net income of $52 million, reversing a year-ago loss; adjusted EPS $2.19 vs $1.72 expected, lifting shares up about 24%. Revenue declined slightly to $1.53 billion, with same-store sales up 2.2% and positive momentum across Kay, Zales, Jared, and Blue Nile as demand improves and margins expand (adjusted operating margin up 140 basis points to 7%). The company raised full-year guidance for a second time and announced a $125 million accelerated share repurchase. Signet extended its consumer-credit partnership with Bread Financial through 2035 under new profit-sharing terms expected to create over $1 billion of incremental value over time. While fashion jewelry demand remains uneven and revenue is flat, margin gains support a higher earnings outlook and stronger profitability driving investor sentiment. Extended Bread Financial partnership through 2035 with new profit-sharing terms could materially boost Bread Financial's revenue and profitability over time.

17 Sep

4

Bread Financial expanded its credit partnership with Signet, an event that could alter the prior bullish outlook for the company. Expanded credit partnership with Signet constitutes a major strategic move likely to alter Bread Financial's trajectory and investor sentiment.

10 Sep

4

Bread Financial (NYSE:BFH) outperformed other credit card stocks with its Q2 earnings results. Q2 earnings outperformance versus peers signals stronger financial results and positive market positioning.

26 Aug

3

Bread Financial Holdings launches NFL Extra Points American Express credit card to expand fan rewards and co-branded offerings. New NFL credit card partnership moderately boosts brand visibility and customer segments without major operational shifts.

25 Jul

3

Bread Financial Holdings (BFH) beat earnings expectations, raising questions on whether shares are fully valued. Earnings beat indicates improved financial results that may influence near-term stock performance and sentiment.

24 Jul

3

BFH Q2 earnings beat estimates on solid credit sales with revenues rising year-over-year. Q2 earnings beat and revenue growth indicate improved operational results likely to support near-term stock performance.

3

Bread Financial Holdings reported Q2 loan growth alongside stable credit performance and a key deposit milestone that supported overall results. Q2 loan growth and deposit milestone point to improved operational metrics that can influence near-term financial results.

3

Bread Financial Holdings held its Q2 2026 earnings call detailing quarterly financial results, operational metrics and forward outlook. Quarterly earnings data supplies updated financial metrics that shape near-term investor expectations and valuation.

23 Jul

4 transcript

Bread Financial Holdings, Inc. (BFH) held its Q2 2026 earnings call, covering financial results, performance metrics, and strategic outlook. Earnings results and guidance can significantly alter BFH trajectory and investor sentiment.

4

Bread Financial Holdings Inc (BFH) posted strong growth in its Q2 2026 earnings call amid ongoing operations. Strong growth reported in earnings call signals major positive shift in financial trajectory and investor outlook.

4

Bread Financial Holdings, Inc. released its second quarter 2026 financial results. Quarterly earnings releases deliver key financial metrics that directly shape market perceptions and company valuation.

3 transcript

Bread Financial Holdings reported Q2 results during its earnings call, covering financial performance metrics, operational updates, and forward guidance. Quarterly earnings updates and guidance typically deliver moderate influence on near-term stock movement and sentiment without guaranteeing major strategic shifts.

3

Bread Financial Holdings reported upbeat Q2 CY2026 results. Upbeat quarterly results may boost near-term investor sentiment and stock performance.

3

Bread Financial Holdings (BFH) Q2 earnings and revenues beat estimates. Q2 beat offers moderate short-term lift to performance and sentiment without shifting long-term trajectory.

22 Jul

3

BFH earnings preview highlights key metrics to monitor including revenue, EPS, credit loss provisions and net interest margins ahead of upcoming quarterly results. Earnings preview offers moderate insight into near-term performance without altering long-term strategy or competitive position.

14 Jul

3

Bread Financial Holdings, Inc. announces executive leadership changes. Leadership transitions can shift strategy and operations but rarely transform company trajectory.

29 Jun

3

Rate cuts and regional bank exposure are factors AVUV investors must monitor in relation to Bread Financial Holdings (BFH) holdings and potential effects on performance. Rate cuts combined with regional bank exposure can affect BFH credit metrics and near-term valuation.

19 Jun

3

Bread Financial Holdings, Inc. (BFH) rating upgraded to Strong Buy. Strong Buy rating upgrade may lift near-term investor sentiment and share price for BFH.

17 Jun

3

Bread Financial Holdings shows a genuine recovery but faces questions over whether easy gains have ended. Recovery analysis points to moderate effects on future performance and sentiment.

4 Jun

3

Bread Financial revises targets and provides partnership updates indicating a shift in strategy and outlook. Revised targets and partnership updates are expected to moderately influence Bread Financial's performance and positioning.

16 May

3

BFH faces two major risks that threaten its stability and outlook, leading to a direct recommendation to buy an alternative stock instead. Outlined risks could moderately sway investor sentiment and near-term share performance for BFH.

14 May

4

Bread Financial Holdings, Inc. (NYSE:BFH) reported the strongest Q1 results from its Credit Card Group. Strongest Q1 credit card results boost financial performance and investor sentiment significantly.

5 May

4

Bread Financial Holdings, Inc. (BFH) announced the pricing of an offering of depositary shares representing interests in its Series B Preferred Stock. Pricing a preferred stock offering raises capital that significantly strengthens the balance sheet and influences investor sentiment.

4

Bread Financial Holdings, Inc. (BFH) announced the launch of an offering of depositary shares representing interests in its Series B Preferred Stock. BFH's preferred stock offering represents a major capital-raising strategy to bolster its balance sheet and financial flexibility.

27 Apr

4

Bread Financial Holdings, Inc. (BFH) Q1 earnings beat estimates, driven by higher credit sales. Q1 earnings beat on higher credit sales boosts financial performance and investor sentiment significantly.

25 Apr

3

Bread Financial Holdings, Inc. (BFH) shares fell sharply today due to disappointing quarterly results and lowered guidance. Weak earnings and guidance cuts pressure financial performance and investor confidence moderately.

24 Apr

4

Bread Financial Holdings, Inc. (BFH) posted Q1 growth driven by partner expansions and strong credit quality, countering cautious consumer trends. Partner expansions and credit quality improvements signal major strategic progress boosting BFH's growth trajectory.

4

Bread Financial Holdings Inc (BFH) reported strong growth in Q1 2026 earnings call highlights amid ongoing challenges. Strong Q1 2026 growth in earnings call highlights signals significant positive impact on BFH's financial trajectory and investor sentiment.

23 Apr

4

Bread Financial Holdings, Inc. (BFH) released highlights from its Q1 earnings call, covering financial performance, strategic updates, and forward guidance. Q1 earnings call highlights detail financial results and outlook, significantly influencing BFH's market performance and investor sentiment.

4

Bread Financial Holdings, Inc. (BFH) released Q1 2026 earnings call summary highlighting quarterly financial results, guidance, and strategic updates. Q1 earnings call summary provides key financial metrics and forward guidance that significantly influence BFH's market performance and investor outlook.

stockrow.com/BFH · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com