BFH — Bread Financial Holdings, Inc.

BFHBread Financial Holdings, Inc.

NYSE · US · Financial Services · Credit Services · breadfinancial.com

85.78USDMkt Cap: 3.47B USDP/E: 7.00Last update: 2026-05-21

Bread Financial Holdings, Inc. provides tech-forward payment and lending solutions to customers and consumer-based industries in North America. It offers credit card and other loans financing services, including risk man…

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Indicators:|

Key Statistics

Company

Market Cap3.47B USD

Enterprise Value3.71B USD

Revenue (TTM)2.64B USD

Gross Profit2.64B USD

Net Income (TTM)518.00M USD

Revenue/Share58.43 USD

Last Price85.78 USD

Fiscal Year EndDec 2025

MR QuarterMar 2026

Employees6.0K

CountryUS

SectorFinancial Services

IndustryCredit Services

ISIN—

Valuation

P/E (Trailing)7.00

P/E (Forward)6.97

PEG1.96

EV/EBITDA—

EV/Revenue1.40

P/S1.31

P/B1.07

EPS (TTM)12.25

EPS (Forward)12.30

52W Range

84.5446% of range87.25

52W High87.25 USD

52W Low84.54 USD

Profitability

Gross Margin0.00%

Oper. Margin33.99%

EBITDA Margin0.00%

Profit Margin13.47%

ROE15.57%

ROA2.29%

Growth

Revenue Growth6.10%

Earnings Growth49.30%

Cash Flow & Leverage

Operating CF2.09B USD

CapEx (TTM)—

FCF Margin—

FCF Yield—

Net Debt241.00M USD

Net Debt/EBITDA—

Balance Sheet

Debt/Equity1.32

Current Ratio—

Quick Ratio—

Book Value/Sh80.51 USD

Cash/Share90.01 USD

Dividends

Fwd Div Rate0.9200 USD

Trail. Div Rate0.8800 USD

Div. Yield1.07%

5Y Avg Yield1.76%

Payout Ratio7.18%

Ex-Div DateMay 29, 2026

Pay DateJun 15, 2026

Splits

Last Split1253:1000

Split DateNov 8, 2021

Analyst Consensus

Rating2.4 (Buy)

Target (Mean)95.67 USD

Target Range70.00 USD – 115.00 USD

# Analysts15

Ownership

Shares Out.40.41M

Float39.76M

Insiders1.48%

Institutions112.44%

Short Interest

Short Ratio0.0d

Short % Float0.02%

Short % Out.0.02%

Shares Short6.70K

Short (prev mo.)6.91K

Technical

SMA 5081.29 (+5.5%)

SMA 20070.82 (+21.1%)

Beta1.15

S&P 52W Chg28.31%

Avg Vol (30d)425.74K

Avg Vol (10d)523.81K

Technical Indicators

RSI (14)—

MACD—

MACD Signal—

MACD Hist.—

BB Upper—

BB Middle—

BB Lower—

BB Width—

ATR (14)—

Vol Ratio (20d)—