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