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Friday 6 November 2026
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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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| Older periods | Dec '25 | Mar '26 | Jun '26 | Sep '26 | |
|---|---|---|---|---|---|
P/E ratio |
+8 more quarters Free account |
6.77 | 6.08 | 8.36 | 7.57 |
P/S ratio |
0.74 | 0.68 | 0.91 | 0.78 | |
P/FCF ratio |
1.68 | 1.48 | 1.99 | 1.72 | |
P/Operating CF |
6.10 | 6.58 | 8.11 | 6.23 | |
P/B ratio |
1.04 | 0.96 | 1.28 | 1.09 | |
Price to Tangible BV |
1.33 | 1.22 | 1.62 | 1.36 | |
EV/Sales |
(2.67) | (2.68) | (2.63) | — | |
EV/EBITDA |
0.00 | 0.00 | 0.00 | — | |
EV/Operating CF |
(5.99) | (5.77) | (5.69) | — | |
EV/FCF |
(6.06) | (5.84) | (5.75) | — | |
Quick Ratio |
1.17 | 1.15 | 1.17 | 1.16 | |
Current Ratio |
1.17 | 1.15 | 1.17 | 1.16 | |
Net Debt/EBITDA |
(17.35) | (16.17) | (17.72) | (18.01) | |
Debt/Assets |
19.01% | 17.38% | 14.63% | 13.46% | |
Debt/Equity |
1.29 | 1.17 | 0.98 | 0.91 | |
Asset Turnover |
0.21 | 0.21 | 0.21 | 0.21 | |
Operating CF/Net income |
10.72 | 2.72 | 3.70 | 4.01 | |
Capex/Depreciation |
(0.10) | (0.17) | (0.10) | (0.07) | |
Interest Coverage |
4.43 | 4.85 | 4.66 | 4.70 | |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | |
Selling, General and Administrative Expense of Revenue |
23.40% | 21.06% | 21.97% | 21.63% | |
Intangible Assets out of Total Assets |
0.03 | 0.03 | 0.03 | 0.03 | |
Share Based Compensation of Revenue |
1.28% | 1.24% | 1.35% | 1.23% | |
Graham Net Nets |
0.28 | 0.22 | 0.23 | 0.23 | |
Graham Number |
132.22 | 146.69 | 156.82 | 161.45 | |
Earnings Yield |
14.76% | 16.44% | 11.96% | 13.21% | |
Free Cash Flow Yield |
59.69% | 67.39% | 50.19% | 57.99% | |
Revenue per Share |
25.02 | 28.29 | 29.77 | 31.75 | |
Operating CF per Share |
12.14 | 11.38 | 13.36 | 15.69 | |
Capex per Share |
(0.09) | (0.16) | (0.10) | (0.08) | |
Free Cash Flow per Share |
12.05 | 11.22 | 13.26 | 15.61 | |
Cash per Share |
433.82 | 460.14 | 503.38 | 540.86 | |
Shareholders Equity per Share |
71.09 | 77.69 | 84.34 | 89.74 | |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | |
Book value per Share |
71.09 | 77.69 | 84.34 | 89.74 | |
Free Cash Flow |
564.00 | 480.00 | 529.00 | 598.00 | |
Working Capital |
2,965.00 | 2,580.00 | 2,906.00 | 2,893.00 | |
Capital Expenditures |
(4.00) | (7.00) | (4.00) | (3.00) | |
Net Current Asset Value |
967.00 | 711.00 | 998.00 | 861.00 | |
EV/EBIT |
0.00 | 0.00 | 0.00 | — | |
Capex to Sales |
0.00 | 0.01 | 0.00 | 0.00 | |
Price to Operating Income |
0.97 | 0.89 | 1.19 | 1.02 | |
| Other line items | |||||
Average Assets |
22,777.00 | 22,345.00 | 22,136.50 | 22,502.50 | |
Average Common Equity |
3,189.00 | 3,196.50 | 3,265.50 | 3,377.00 |
Columns are period end dates · fundamentals updated 2 Nov 2026