Saturday 17 October 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. In the quarter to June 2026, revenue grew 3.39%, EPS grew 21.9%, free cash flow grew 1.93% and total debt fell 22.3%, each against the same quarter a year earlier. Dividend growth for five consecutive years; insiders bought in the last twelve months.
102.56
1.25
+1.23%
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| Older periods | Sep '25 | Dec '25 | Mar '26 | Jun '26 | |
|---|---|---|---|---|---|
P/E ratio |
+8 more quarters Free account |
5.64 | 6.77 | 6.08 | 8.36 |
P/S ratio |
0.55 | 0.74 | 0.68 | 0.91 | |
P/FCF ratio |
1.31 | 1.68 | 1.48 | 1.99 | |
P/Operating CF |
4.29 | 6.10 | 6.58 | 8.11 | |
P/B ratio |
0.78 | 1.04 | 0.96 | 1.28 | |
Price to Tangible BV |
1.00 | 1.33 | 1.22 | 1.62 | |
EV/Sales |
(2.77) | (2.67) | (2.68) | (2.63) | |
EV/EBITDA |
0.00 | 0.00 | 0.00 | 0.00 | |
EV/Operating CF |
(6.47) | (5.99) | (5.77) | (5.69) | |
EV/FCF |
(6.56) | (6.06) | (5.84) | (5.75) | |
Quick Ratio |
1.19 | 1.17 | 1.15 | 1.17 | |
Current Ratio |
1.19 | 1.17 | 1.15 | 1.17 | |
Net Debt/EBITDA |
(16.50) | (17.35) | (16.17) | (17.72) | |
Debt/Assets |
17.44% | 19.01% | 17.38% | 14.63% | |
Debt/Equity |
1.14 | 1.29 | 1.17 | 0.98 | |
Asset Turnover |
0.22 | 0.21 | 0.21 | 0.21 | |
Operating CF/Net income |
3.22 | 10.72 | 2.72 | 3.70 | |
Capex/Depreciation |
(0.19) | (0.10) | (0.17) | (0.10) | |
Interest Coverage |
4.29 | 4.43 | 4.85 | 4.66 | |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | |
Selling, General and Administrative Expense of Revenue |
22.02% | 23.40% | 21.06% | 21.97% | |
Intangible Assets out of Total Assets |
0.03 | 0.03 | 0.03 | 0.03 | |
Share Based Compensation of Revenue |
1.10% | 1.28% | 1.24% | 1.35% | |
Graham Net Nets |
0.37 | 0.28 | 0.22 | 0.23 | |
Graham Number |
125.93 | 132.22 | 146.69 | 156.82 | |
Earnings Yield |
17.72% | 14.76% | 16.44% | 11.96% | |
Free Cash Flow Yield |
76.20% | 59.69% | 67.39% | 50.19% | |
Revenue per Share |
25.40 | 25.02 | 28.29 | 29.77 | |
Operating CF per Share |
13.01 | 12.14 | 11.38 | 13.36 | |
Capex per Share |
(0.17) | (0.09) | (0.16) | (0.10) | |
Free Cash Flow per Share |
12.84 | 12.05 | 11.22 | 13.26 | |
Cash per Share |
416.11 | 433.82 | 460.14 | 503.38 | |
Shareholders Equity per Share |
71.33 | 71.09 | 77.69 | 84.34 | |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | |
Book value per Share |
71.33 | 71.09 | 77.69 | 84.34 | |
Free Cash Flow |
597.00 | 564.00 | 480.00 | 529.00 | |
Working Capital |
3,132.00 | 2,965.00 | 2,580.00 | 2,906.00 | |
Capital Expenditures |
(8.00) | (4.00) | (7.00) | (4.00) | |
Net Current Asset Value |
952.00 | 967.00 | 711.00 | 998.00 | |
EV/EBIT |
0.00 | 0.00 | 0.00 | 0.00 | |
Capex to Sales |
0.01 | 0.00 | 0.01 | 0.00 | |
Price to Operating Income |
0.73 | 0.97 | 0.89 | 1.19 | |
| Other line items | |||||
Average Assets |
21,725.00 | 22,777.00 | 22,345.00 | 22,136.50 | |
Average Common Equity |
3,214.50 | 3,189.00 | 3,196.50 | 3,265.50 |
Columns are period end dates