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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Market cap: $3.9B
P/E: 7.9×
Fwd P/E: 8.2×
Dividend yield: 0.90%
F-score: 7/9
Altman Z: n/a
Beneish M: n/a
Dividend safety: n/a

Overview Business Profile Financial Analysis Income Statement Balance Sheet Cash Flow Metrics & Ratios 10-Q 10-K

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

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Columns are period end dates

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