Friday 6 November 2026 Export BFH’s income statement to Excel — free account

Bread Financial Holdings, Inc.

Bread Financial Holdings, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $4.7 billion, down 1.90% from fiscal 2024.

Revenue: +2.96%
EPS: −1.26%
Free cash flow: +0.17%
Total debt: −17.2%

Quarter to September 2026, against a year earlier

101.62 0.95 −0.93%

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Market cap: $3.9B
P/E: 7.9×
Fwd P/E: 8.0×
Dividend yield: 0.91%
F-score: 7/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview

	Dec '25	Dec '24	Dec '23	Dec '22	Dec '21	Dec '20	Dec '19	Dec '18	Dec '17	Dec '16
P/E ratio Full definition →	6.77	10.92	2.30	8.49	4.13	13.32	15.03	6.87	14.48	25.56
Piotroski F-Score Full definition →	7	6	8	6	6	5	6	7	7	5
P/S ratio Full definition →	0.74	0.63	0.33	0.44	0.91	0.75	0.96	1.17	2.09	1.54
P/FCF ratio Full definition →	1.68	1.66	0.85	1.07	2.26	1.56	4.20	2.60	4.82	5.73
P/Operating CF Full definition →	6.10	6.32	2.66	3.81	9.88	7.23	(14.47)	9.09	13.63	14.23
P/B ratio Full definition →	1.04	0.99	0.56	0.84	1.59	1.87	2.84	2.84	6.17	6.63
Price to Tangible BV Full definition →	1.33	1.31	0.76	1.29	2.36	3.52	9.41	5.72	0.00	0.00
EV/Sales Full definition →	(2.67)	(2.45)	(2.77)	1.39	2.11	2.25	4.88	4.93	6.02	4.20
EV/EBITDA Full definition →	0.00	0.00	0.00	1.73	2.60	2.64	5.45	12.19	16.01	16.55
EV/Operating CF Full definition →	(5.99)	(6.32)	(6.87)	3.25	4.99	4.54	18.79	10.14	12.69	14.10
EV/FCF Full definition →	(6.06)	(6.44)	(7.04)	3.38	5.26	4.67	21.27	10.93	13.89	15.62
Quick Ratio Full definition →	1.17	1.15	1.18	1.14	1.13	1.13	1.91	1.83	2.22	1.98
Current Ratio Full definition →	1.17	1.15	1.18	1.14	1.13	1.13	2.03	2.15	2.43	2.12
Net Debt/EBITDA Full definition →	(4.25)	(3.82)	(3.59)	1.18	1.48	1.77	4.38	9.32	10.50	10.53
Debt/Assets Full definition →	19.01%	24.28%	22.87%	31.51%	34.21%	37.77%	84.11%	82.83%	84.14%	82.11%
Debt/Equity Full definition →	1.29	1.82	1.81	3.54	3.57	5.60	14.03	10.79	13.92	12.63
Asset Turnover Full definition →	0.21	0.21	0.20	0.18	0.16	0.15	0.16	0.19	0.19	0.30
Operating CF/Net income Full definition →	4.04	6.71	2.77	8.29	1.93	8.80	4.53	2.86	3.30	4.12
Capex/Depreciation Full definition →	(0.14)	(0.18)	(0.21)	(0.32)	(0.35)	(0.18)	(0.27)	(0.37)	(0.42)	(0.38)
Interest Coverage Full definition →	4.20	3.82	4.58	6.48	7.13	5.89	5.75	3.24	3.33	2.95
ROE Full definition →	16.24%	9.28%	27.71%	10.25%	44.40%	13.76%	13.72%	46.00%	44.90%	28.12%
ROA Full definition →	2.27%	1.20%	2.96%	0.95%	3.62%	0.87%	0.95%	3.15%	2.81%	2.16%
ROIC Full definition →	0.00%	0.00%	0.00%	31.90%	26.35%	25.36%	11.46%	4.64%	4.04%	3.81%
Return on Tangible Assets Full definition →	16.81%	9.77%	22.13%	7.32%	34.11%	9.38%	2.15%	7.13%	5.20%	4.71%
Average Days of Receivables Full definition →	0.00	0.00	0.00	1,593.64	1,558.84	1,420.40	1,459.31	1,109.23	1,221.19	838.25
Research and Development Expense of Revenue Full definition →	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Selling, General and Administrative Expense of Revenue Full definition →	21.93%	21.81%	20.82%	22.15%	22.80%	19.81%	19.75%	2.87%	2.91%	2.01%
Intangible Assets out of Total Assets Full definition →	0.03	0.03	0.03	0.03	0.03	0.03	0.04	0.04	0.15	0.19
Share Based Compensation of Revenue Full definition →	1.19%	1.13%	0.89%	0.76%	0.80%	0.55%	1.17%	1.43%	1.37%	1.07%
Graham Net Nets Full definition →	0.28	0.16	0.23	(0.18)	(0.32)	(1.21)	(0.18)	(0.50)	(0.36)	(0.39)
Graham Number Full definition →	132.22	87.96	137.50	67.57	123.31	56.65	65.54	129.66	103.16	68.36
Earnings Yield Full definition →	14.76%	9.15%	43.47%	11.78%	24.19%	7.51%	6.65%	14.56%	6.91%	3.91%
Free Cash Flow Yield Full definition →	59.69%	60.19%	118.02%	93.81%	44.22%	64.14%	23.82%	38.51%	20.73%	17.47%
Revenue per Share Full definition →	100.34	96.51	99.16	86.75	73.34	79.44	93.76	103.22	98.29	121.81
Operating CF per Share Full definition →	44.70	37.48	39.90	37.03	31.05	39.39	24.36	50.18	46.66	36.30
Capex per Share Full definition →	(0.51)	(0.73)	(0.96)	(1.44)	(1.61)	(1.13)	(2.84)	(3.64)	(4.05)	(3.53)
Free Cash Flow per Share Full definition →	44.19	36.75	38.94	35.59	29.44	38.26	21.52	46.54	42.62	32.77
Cash per Share Full definition →	433.82	409.96	413.55	77.98	61.29	58.49	77.49	69.53	75.22	31.73
Shareholders Equity per Share Full definition →	71.09	61.51	58.59	45.39	41.97	31.84	31.77	42.48	33.31	28.30
Interest Debt per Share Full definition →	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Book value per Share Full definition →	71.09	61.51	58.59	45.39	41.97	31.84	31.77	42.48	33.31	28.30
Free Cash Flow Full definition →	2,068.00	1,823.00	1,939.00	1,776.00	1,463.00	1,829.00	1,076.00	2,555.10	2,373.70	1,920.20
Working Capital Full definition →	2,965.00	2,694.00	3,077.00	2,851.00	2,133.00	2,069.00	12,240.70	13,227.70	14,558.90	10,359.80
Capital Expenditures Full definition →	(24.00)	(36.00)	(48.00)	(72.00)	(80.00)	(54.00)	(142.00)	(199.80)	(225.40)	(207.00)
Net Current Asset Value Full definition →	967.00	494.00	372.00	(350.00)	(1,047.00)	(3,453.00)	(793.80)	(3,343.90)	(4,123.90)	(4,266.60)
EV/EBIT Full definition →	0.00	0.00	0.00	1.85	2.82	2.91	6.24	15.89	21.73	23.70
Capex to Sales Full definition →	0.01	0.01	0.01	0.02	0.02	0.01	0.03	0.04	0.04	0.03
Price to Operating Income Full definition →	0.97	0.83	0.41	0.58	1.21	0.97	1.23	3.78	7.54	8.69
Other line items
Depreciation/Fixed assets Full definition →	1.46	1.43	1.40	1.14	1.07	1.38	1.89	1.86	0.88	0.93
Cash ROIC Full definition →	7.40%	6.30%	6.73%	12.54%	11.64%	14.25%	3.88%	8.16%	7.45%	7.85%
Accounts Receivable Turnover Full definition →	0.00	0.00	0.28	0.25	0.24	0.23	0.26	0.32	0.32	0.47
Accounts Payable Turnover Full definition →	—	—	—	—	—	0.00	0.00	4.46	4.05	8.46
Inventory Turnover Full definition →	—	—	—	—	—	0.00	0.00	10.53	9.77	17.13
Average Days of Payables Full definition →	—	—	—	—	—	54.10	0.00	69.94	96.25	48.50
Days of Inventory on Hand Full definition →	—	—	—	—	—	27.05	0.00	35.68	34.60	23.15
Average Receivables Full definition →	—	—	17,953.00	17,234.00	15,171.50	16,759.55	17,981.90	17,768.75	17,354.95	15,078.75
Average Payables Full definition →	—	—	—	—	—	314.40	393.50	568.70	609.75	505.35
Average Inventory Full definition →	—	—	—	—	—	191.00	233.00	241.05	252.70	249.65
Average Assets Full definition →	22,777.00	23,016.00	24,274.00	23,576.50	22,146.50	24,520.90	28,441.25	30,536.25	28,099.45	23,932.00
Average Common Equity Full definition →	3,189.00	2,984.50	2,591.50	2,175.50	1,804.00	1,555.15	1,960.20	2,093.70	1,756.75	1,834.10

Show all line items

Columns are period end dates · fundamentals updated 2 Nov 2026

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