BFH logo

Bread Financial Holdings, Inc. (BFH)

Profile

Full Name

Bread Financial Holdings, Inc.

Ticker

NYSE: BFH

Exchange

NYSE

Sector

Financial Services

Industry

Credit Services

Country

United States

IPO

June 15, 2001

Indexes

Not included

Website

https://www.breadfinancial.com

Employees

6000

Key Details

Price

$56.42(4.33%)

Market Cap

$2.63B(Mid cap)

Last Dividend

$0.21

TTM Dividend Yield

1.49%

Annual Revenue

$4.79B(-3.06% YoY)

Annual EPS

$5.50(-61.73% YoY)

PE Ratio

9.56

Next earnings date

Oct 23, 2025

Next ex-dividend date

N/A

Next split date

N/A

Quick Search

    Add series to chart(max: 6)
    company, ETF, index, featured screener or watchlist
    series name
    See Full Chart & Historical Data

    Analyst ratings

    Price

    Add series to chart(max: 6)
    company, ETF, index, featured screener or watchlist
    series name
    Suggested series

    Current Price

    $56.42
    BFH price is $56.42

    30-Day Relative Volume

    1.07
    BFH 30-day relative volume is 1.07

    Price Performance

    Price Most Recent Change

    +4.33%
    BFH price was up +4.33% on Oct 13, 2025

    Price YTD Change

    -7.6%
    BFH price is down -7.6% since January 1st

    Price 1-Year Change

    +11.04%
    BFH price is up +11.04% year-on-year

    Price 3-Year Change

    +74.57%
    BFH price is up +74.57% over the past 3 years

    Price Range

    Price All-Time High

    $249.00
    BFH price is currently -77.34% below its historical high of $249.00

    Price 3-Year Low

    $23.19
    BFH price is currently +143.29% above its 3-year low

    Capitalization

    Add series to chart(max: 6)
    company, ETF, index, featured screener or watchlist
    series name
    Suggested series

    Market cap

    Market Cap

    $2.63B
    BFH market cap is $2.63 billion

    Market Cap 3-Year Change

    +63.5%
    BFH market cap is up +63.5% over the past 3 years

    Market Cap All-Time High

    $15.36B
    BFH market cap is currently -82.87% below its historical high of $15.36 billion

    Market Cap Sector Percentile

    72.48%
    BFH market cap is higher than 72.48% of companies in Financial Services sector

    Shares Outstanding

    Shares Outstanding 1-Year Change

    -6.11%
    BFH shares outstanding is down -6.11% year-on-year

    Shares Outstanding 3-Year Change

    -6.34%
    BFH shares outstanding is down -6.34% over the past 3 years

    Technical Indicators

    Add series to chart(max: 6)
    company, ETF, index, featured screener or watchlist
    series name
    Suggested series

    Beta

    1.54
    BFH beta is 1.54

    200-day SMA

    $56.46
    BFH price is currently -0.06% below its 200-day simple moving average

    50-day SMA

    $60.75
    BFH price is currently -7.13% below its 50-day simple moving average

    14-Day RSI

    42.01
    BFH 14-day relative strength index is 42.01

    Volume

    1.07
    BFH 30-day relative volume is 1.07

    ATR

    $1.79
    BFH average true range is $1.79

    10-day Historical Volatility

    38.85%
    BFH 10-day historical volatility is 38.85%

    Dividend

    Add series to chart(max: 6)
    company, ETF, index, featured screener or watchlist
    series name
    Suggested series

    Events

    Last Paid Dividend

    $0.21
    BFH last dividend was $0.21 per share, with an ex-dividend date of August 8, 2025

    Next Dividend

    -
    BFH next dividend has not yet been announced

    Dividend per share

    Dividend Per Share

    $0.84
    BFH annual dividend per share is $0.84

    Dividend Per Share Sector Percentile

    44.02%
    BFH annual dividend per share is higher than 44.02% of companies in Financial Services sector

    Dividend Per Share 1-Year Change

    0%
    BFH annual dividend per share has remained unchanged year-on-year

    Dividend Per Share 3-Year Change

    +17.89%
    BFH annual dividend per share is up +17.89% over the past 3 years

    Dividend yield

    Dividend Yield

    1.49%
    BFH annual dividend yield is 1.49%

    Dividend Yield Sector Percentile

    12.3%
    BFH annual dividend yield is higher than 12.3% of companies in Financial Services sector

    Other

    Payout Ratio

    15.41%
    BFH annual payout ratio is 15.41%

    Dividends Paid

    $43.00M
    BFH annual dividends paid is $43.00 million

    Free Cash Flow

    $1.82B
    BFH annual free cash flow is $1.82 billion

    Income Statement

    Add series to chart(max: 6)
    company, ETF, index, featured screener or watchlist
    series name
    Suggested series

    Revenue

    Revenue

    $4.79B
    BFH annual revenue is $4.79 billion

    Revenue Analysts Estimate

    $3.83B
    BFH annual revenue is currently +24.90% higher than the consensus analysts' forecast

    Revenue 1-Year Change

    -3.06%
    BFH annual revenue is down -3.06% year-on-year

    Revenue Sector Percentile

    89.55%
    BFH annual revenue is higher than 89.55% of companies in Financial Services sector

    EPS

    EPS

    $5.50
    BFH annual earnings per share is $5.50

    EPS Analysts Estimate

    $8.26
    BFH annual earnings per share is currently -33.43% lower than the consensus analysts' forecast

    EPS 1-Year Change

    -61.73%
    BFH annual earnings per share is down -61.73% year-on-year

    EPS Sector Percentile

    88.65%
    BFH annual earnings per share is higher than 88.65% of companies in Financial Services sector

    Profit

    Gross Profit

    $0.00
    BFH annual gross profit is $0.00

    Gross Margin

    0.00%
    BFH annual gross profit margin is 0.00%

    Operating Profit

    $381.00M
    BFH annual operating income is $381.00 million

    Operating Margin

    7.96%
    BFH annual operating profit margin is 7.96%

    Net Income

    $279.00M
    BFH annual net profit is $279.00 million

    Net Margin

    5.83%
    BFH annual net profit margin is 5.83%

    Expenses

    Total Expenses

    $4.51B
    BFH annual total expenses is $4.51 billion

    Operating Expenses

    -$381.00M
    BFH annual total operating expenses is -$381.00 million

    Cost Of Goods Sold

    -
    BFH annual cost of goods sold value is unknown

    Selling, General & Administrative Expenses

    $0.00
    BFH annual SG&A is $0.00

    Depreciation & Amortization

    $90.00M
    BFH annual D&A is $90.00 million

    Interest Expense

    $960.00M
    BFH annual interest expense is $960.00 million

    Income Tax

    $102.00M
    BFH annual income tax is $102.00 million

    EBIT & EBITDA

    EBIT

    $1.34B
    BFH annual earnings before interest & taxes is $1.34 billion

    EBITDA

    $1.43B
    BFH annual EBITDA is $1.43 billion

    Balance Sheet

    Add series to chart(max: 6)
    company, ETF, index, featured screener or watchlist
    series name
    Suggested series

    Assets

    Total Assets

    $22.93B
    BFH annual total assets is $22.93 billion

    Non Current Assets

    $19.21B
    BFH annual long term assets is $19.21 billion

    Current Assets

    $782.00M
    BFH annual total current assets is $782.00 million

    Cash and Cash Equivalents

    $365.00M
    BFH annual cash & cash equivalents is $365.00 million

    Accounts Receivable

    -
    BFH annual accounts receivable value is unknown

    Inventory

    -
    BFH annual inventory value is unknown

    Liabilities

    Total Liabilities

    $19.88B
    BFH annual total liabilities is $19.88 billion

    Long Term Liabilities

    $1.11B
    BFH annual total long term liabilities is $1.11 billion

    Current Liabilities

    $8.55B
    BFH annual current liabilities is $8.55 billion

    Accounts Payable

    -
    BFH annual accounts payable value is unknown

    Debt

    Total Debt

    $5.68B
    BFH annual total debt is $5.68 billion

    Total Debt 1-Year Change

    +4.5%
    BFH annual total debt is up +4.5% year-on-year

    Long Term Debt

    $2.45B
    BFH annual long term debt is $2.45 billion

    Short Term Debt

    $3.24B
    BFH annual short term debt is $3.24 billion

    Equity & Capital

    Shareholders Equity

    $3.05B
    BFH annual stockholders equity is $3.05 billion

    Book Value

    $3.05B
    BFH annual book value is $3.05 billion

    Retained Earnings

    $999.00M
    BFH annual retained earnings is $999.00 million

    Working Capital

    -$7.77B
    BFH annual working capital is -$7.77 billion

    Cash Flow Statement

    Add series to chart(max: 6)
    company, ETF, index, featured screener or watchlist
    series name
    Suggested series

    Cashflow Activities

    Cash From Operations

    $1.86B
    BFH annual cash from operations is $1.86 billion

    Cash From Operations 1-Year Change

    -6.44%
    BFH annual cash from operations is down -6.44% year-on-year

    Cash From Investing

    -$1.17B
    BFH annual cash from investing is -$1.17 billion

    Cash From Investing 1-Year Change

    -248.35%
    BFH annual cash from investing is down -248.35% year-on-year

    Cash From Financing

    -$592.00M
    BFH annual cash from financing is -$592.00 million

    Cash From Financing 1-Year Change

    +80.82%
    BFH annual cash from financing is up +80.82% year-on-year

    CAPEX

    CAPEX

    $36.00M
    BFH annual capital expenditures is $36.00 million

    CAPEX 1-Year Change

    -25%
    BFH annual capital expenditures is down -25% year-on-year

    Free Cash Flow

    Free Cash Flow

    $1.82B
    BFH annual free cash flow is $1.82 billion

    Free Cash Flow 1-Year Change

    -5.98%
    BFH annual free cash flow is down -5.98% year-on-year

    Profitability Ratios

    Add series to chart(max: 6)
    company, ETF, index, featured screener or watchlist
    series name
    Suggested series

    Margins

    Gross Margin

    0.00%
    BFH annual gross profit margin is 0.00%

    Operating Margin

    7.96%
    BFH annual operating profit margin is 7.96%

    Net Margin

    5.83%
    BFH annual net profit margin is 5.83%

    ROA & ROE

    ROA

    1.21%
    BFH annual return on assets is 1.21%

    ROE

    9.35%
    BFH annual return on equity is 9.35%

    Valuation

    Add series to chart(max: 6)
    company, ETF, index, featured screener or watchlist
    series name
    Suggested series

    PE Ratio

    PE Ratio

    9.56
    BFH price to earnings ratio is 9.56

    PE Ratio Sector Percentile

    16.44%
    BFH price to earnings ratio is higher than 16.44% of companies in Financial Services sector

    PB Ratio

    PB Ratio

    0.83
    BFH price to book ratio is 0.83

    PB Ratio Sector Percentile

    21.19%
    BFH price to book ratio is higher than 21.19% of companies in Financial Services sector

    PS Ratio

    PS Ratio

    0.56
    BFH price to sales ratio is 0.56

    PS Ratio Sector Percentile

    8.49%
    BFH price to sales ratio is higher than 8.49% of companies in Financial Services sector

    Enterprise value

    Enterprise Value

    $3.04B
    BFH enterprise value is $3.04 billion

    Enterprise Value Sector Percentile

    71.32%
    BFH enterprise value is higher than 71.32% of companies in Financial Services sector

    EV/EBITDA

    EV/EBITDA

    -
    BFH EV/EBITDA value is unknown

    EV/EBITDA Sector Percentile

    -
    BFH EV/EBITDA is unknown

    Financial Health

    Add series to chart(max: 6)
    company, ETF, index, featured screener or watchlist
    series name
    Suggested series

    Liquidity

    Current Ratio

    0.09
    BFH annual current ratio is 0.09

    Quick Ratio

    -
    BFH annual quick ratio value is unknown

    Leverage

    Debt To Equity

    1.86
    BFH annual debt to equity ratio is 1.86

    Interest Coverage Ratio

    1.40
    BFH annual interest coverage ratio is 1.40

    Risk & Stability

    F-Score

    6
    BFH piotroski f-score is 6

    Altman Z-Score

    0.14
    BFH altman z-score is 0.14

    Analyst ratings

    Recent major analysts updates

    Oct 6, 25 Barclays
    Underweight
    Oct 1, 25 Keefe, Bruyette & Woods
    Outperform
    Sep 30, 25 Evercore ISI Group
    In-Line
    Sep 29, 25 Morgan Stanley
    Underweight
    Jul 25, 25 RBC Capital
    Sector Perform
    Jul 25, 25 Morgan Stanley
    Underweight
    Jul 10, 25 Morgan Stanley
    Underweight
    Jul 8, 25 Barclays
    Underweight
    May 12, 25 Morgan Stanley
    Underweight
    Apr 28, 25 JMP Securities
    Market Perform

    Institutional Ownership

    Screeners with BFH included

    Mid cap stocks
    US stocks
    High Piotroski score stocks
    Stocks with high beta
    Stocks below SMA 200
    Stocks recommended to hold
    Best performing stocks last 5 years
    Stocks with low PE ratio
    Stocks below analysts price target
    Companies with growing dividends
    • What is the ticker symbol for Bread Financial Holdings, Inc.?
    • Does Bread Financial Holdings, Inc. pay dividends?
    • What sector is Bread Financial Holdings, Inc. in?
    • What industry is Bread Financial Holdings, Inc. in?
    • What country is Bread Financial Holdings, Inc. based in?
    • When did Bread Financial Holdings, Inc. go public?
    • Is Bread Financial Holdings, Inc. in the S&P 500?
    • Is Bread Financial Holdings, Inc. in the NASDAQ 100?
    • Is Bread Financial Holdings, Inc. in the Dow Jones?
    • When was Bread Financial Holdings, Inc.'s last earnings report?
    • When does Bread Financial Holdings, Inc. report earnings?

    What is the ticker symbol for Bread Financial Holdings, Inc.?

    The ticker symbol for Bread Financial Holdings, Inc. is NYSE:BFH

    Does Bread Financial Holdings, Inc. pay dividends?

    Yes, Bread Financial Holdings, Inc. pays dividends. The last payment was $0.21, with an ex-dividend date on August 8, 2025

    What sector is Bread Financial Holdings, Inc. in?

    Bread Financial Holdings, Inc. is in the Financial Services sector

    What industry is Bread Financial Holdings, Inc. in?

    Bread Financial Holdings, Inc. is in the Credit Services industry

    What country is Bread Financial Holdings, Inc. based in?

    Bread Financial Holdings, Inc. is headquartered in United States

    When did Bread Financial Holdings, Inc. go public?

    Bread Financial Holdings, Inc.'s initial public offering (IPO) was on June 15, 2001

    Is Bread Financial Holdings, Inc. in the S&P 500?

    No, Bread Financial Holdings, Inc. is not included in the S&P 500 index

    Is Bread Financial Holdings, Inc. in the NASDAQ 100?

    No, Bread Financial Holdings, Inc. is not included in the NASDAQ 100 index

    Is Bread Financial Holdings, Inc. in the Dow Jones?

    No, Bread Financial Holdings, Inc. is not included in the Dow Jones index

    When was Bread Financial Holdings, Inc.'s last earnings report?

    Bread Financial Holdings, Inc.'s most recent earnings report was on July 24, 2025

    When does Bread Financial Holdings, Inc. report earnings?

    The next expected earnings date for Bread Financial Holdings, Inc. is October 23, 2025
    On this page