BFH Bread Financial Holdings, Inc.
98.90USD+0.87%Mkt Cap: 3.80B $P/E: 7.67Today
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…
Industry Peers
Credit Services$694.08BUSDP/E 31.5
$494.59BUSDP/E 31.1
$205.31BUSDP/E 18.4
$119.72BUSDP/E 12.5
$46.90BUSDP/E 10.3
$25.22BUSDP/E 13.5
$23.39BUSDP/E 7.4
$20.56BUSDP/E 32.5
$11.45BUSDP/E 8.9
$9.17BUSDP/E 24.0
$6.79BUSDP/E 13.2
$6.47BUSDP/E 8.5
$5.56BUSDP/E 11.7
$4.96BUSD
$4.47BUSDP/E 14.9
$4.43BUSDP/E 13.2
$4.28BUSDP/E 6.3
$3.73BUSDP/E 24.3
$2.33BUSDP/E 48.7
$2.33BUSDP/E 11.7
Key Statistics
Company
Market Cap3.80B USD
Enterprise Value3.37B USD
Revenue (TTM)2.67B USD
Gross Profit2.67B USD
Net Income (TTM)518.00M USD
Revenue/Share61.26 USD
Last Price98.90 USD
Fiscal Year EndDec 2025
MR QuarterJun 2026
Employees6.0K
CountryUS
SectorFinancial Services
IndustryCredit Services
ISIN—
Valuation
P/E (Trailing)7.67
P/E (Forward)7.18
PEG2.14
EV/EBITDA—
EV/Revenue1.26
P/S1.41
P/B1.13
EPS (TTM)12.90
EPS (Forward)13.65
52W Range
53.8374% of range114.53
52W High114.53 USD
52W Low53.83 USD
Profitability
Gross Margin0.00%
Oper. Margin28.97%
EBITDA Margin0.00%
Profit Margin13.47%
ROE15.57%
ROA2.29%
Growth
Revenue Growth3.80%
Earnings Growth21.20%
Cash Flow & Leverage
Operating CF2.09B USD
CapEx (TTM)—
FCF Margin—
FCF Yield—
Net Debt-398.00M USD
Net Debt/EBITDA—
Balance Sheet
Debt/Equity1.32
Current Ratio—
Quick Ratio—
Book Value/Sh86.95 USD
Cash/Share95.86 USD
Dividends
Fwd Div Rate0.92 USD
Trail. Div Rate0.90 USD
Div. Yield0.94%
5Y Avg Yield1.56%
Payout Ratio6.98%
Ex-Div DateAug 31, 2026
Pay DateSep 15, 2026
Splits
Last Split1253:1000
Split DateNov 8, 2021
Analyst Consensus
Rating2.2 (Buy)
Strong BuyBuyHoldSellStr. Sell
Target (Mean)114.69 USD
Upside (mean)+16.0%
Target Range86.00 USD – 130.00 USD
86.00+16.0% to mean130.00
# Analysts16
Ownership
Shares Out.38.42M
Float37.74M
Insiders1.49%
Institutions108.08%
Short Interest
Short Ratio6.1d
Short % Float10.21%
Short % Out.7.26%
Shares Short2.79M
Short (prev mo.)2.70M
Technical
SMA 50106.70 (-7.3%)
SMA 20089.18 (+10.9%)
Beta1.13
S&P 52W Chg14.58%
Avg Vol (30d)511.87K
Avg Vol (10d)612.96K
Technical Indicators
RSI (14)39.4
MACD-2.3635
MACD Signal-1.6132
MACD Hist.-0.7503
BB Upper112.56 USD
BB Middle103.88 USD
BB Lower95.20 USD
BB Width16.71%
ATR (14)3.487 USD
Vol Ratio (20d)0.68x