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Bread Financial Holdings, Inc.

$109.23 +$33.93 (+45.06%)
NYSE · 14 Sep 2026 20:00 UTC
Previous Close
$106.37
Day Range
$106.99$109.45
Year Range
$53.83$114.53
Market Cap
4.41B
AVG Volume
609.03K
Trailing/Forward PE
8.4/8.03
PEG ratio
0.75
Dividend Yield
0.84%
Next Earnings Date
2026-10-22
Primary Exchange
New York Stock ExchangeUS
Revenue (USD)
02B4B6B8B2016201720182019202020212022202320242025
BFH Revenue (USD) by year
PeriodRevenue (USD)
20254.7B
20244.8B
20235.17B
20224.37B
20214.14B
20204.52B
20195.58B
20186.26B
20177.72B
20167.14B
Net Income (USD)
0250M500M750M1B2016201720182019202020212022202320242025
BFH Net Income (USD) by year
PeriodNet Income (USD)
2025518M
2024276M
2023717M
2022222M
2021800.4M
2020213.7M
2019278M
2018963.1M
2017788.6M
2016515.9M
Operating Income (USD)
0500M1B1.5B2B2016201720182019202020212022202320242025
BFH Operating Income (USD) by year
PeriodOperating Income (USD)
2025614M
2024381M
2023967M
2022299M
20211.42B
2020888.5M
20191.31B
20181.82B
20171.65B
20161.27B
EBITDA (USD)
0500M1B1.5B2B2016201720182019202020212022202320242025
BFH EBITDA (USD) by year
PeriodEBITDA (USD)
2025694M
2024471M
20231.08B
2022412M
20211.58B
2020578.3M
20191.06B
20181.73B
20171.58B
20161.35B
Cash Flows (USD)
01B2B3B2016201720182019202020212022202320242025
BFH Cash Flows (USD) by year
PeriodCash Flows (USD)
20252.08B
20241.86B
20231.95B
20221.78B
20211.46B
20201.83B
20191.08B
20182.56B
20172.38B
20161.9B
EPS (USD)
051015202016201720182019202020212022202320242025
BFH EPS (USD) by year
PeriodEPS (USD)
202510.84
20245.53
202314.31
20224.44
202115.95
20204.48
20196.04
201817.52
201714.13
20167.32
Expenses (USD)
0500M1B1.5BSG&ACapex2016201720182019202020212022202320242025
BFH Expenses (USD) by year
PeriodExpenses (USD)
20251.32B
20241.04B
20231.07B
20221.03B
2021344.7M
2020159.8M
2019292.9M
2018367.3M
2017391.8M
2016350.3M
Cash & Debt (USD)
05B10B15BCashLong Term DebtShort Term Debt2016201720182019202020212022202320242025
BFH Cash & Debt (USD) by year
PeriodCash & Debt (USD)
20253.77B
20243.85B
20233.76B
20223.99B
20213.22B
20202.8B
20193.87B
20183.82B
20174.19B
20161.86B
Debt ratios
00.511.5220182019202020212022202320242025
BFH Debt ratios by year
PeriodDebt ratios
20250.23
20240.52
20230.46
20221.14
20210.88
20201.19
20191.15
20181.56
Margins
0%20%40%60%80%2016201720182019202020212022202320242025
BFH Margins by year
PeriodMargins
202563.33%
202450.88%
202359.25%
202252.08%
202153.72%
202043.13%
201941.64%
201843.06%
201737.38%
201634.08%
Return on Capital
0%20%40%60%2016201720182019202020212022202320242025
BFH Return on Capital by year
PeriodReturn on Capital
202515.57%
20249.05%
202324.57%
20229.8%
202138.37%
202014.04%
201917.5%
201841.3%
201742.51%
201631.11%
Shares Outstanding
020M40M60M2016201720182019202020212022202320242025
BFH Shares Outstanding by year
PeriodShares Outstanding
202544.9M
202449.6M
202349.3M
202249.9M
202149.8M
202048.3M
201947.1M
201854M
201755.3M
201657.6M
Dividends (USD)
01232017201820192020202120222023202420252026
BFH Dividends (USD) by year
PeriodDividends (USD)
20260.69
20250.86
20240.84
20230.84
20220.84
20210.71
20201.01
20192.01
20181.82
20171.66
Employee Count
05K10K15K20K2016201720182019202020212022202320242025
BFH Employee Count by year
PeriodEmployee Count
20256K
20246K
20237K
20227.5K
20216K
20208K
20198.5K
201820K
201720K
201617K
Book Value Per Share (USD)
0204060802016201720182019202020212022202320242025
BFH Book Value Per Share (USD) by year
PeriodBook Value Per Share (USD)
202574.1
202461.51
202359.19
202245.39
202141.89
202031.51
201933.72
201843.19
201733.55
201628.79
Total Assets (USD)
010B20B30B40B2016201720182019202020212022202320242025
BFH Total Assets (USD) by year
PeriodTotal Assets (USD)
202522.66B
202422.89B
202323.14B
202225.41B
202121.75B
202022.55B
201926.49B
201830.39B
201730.68B
201625.51B
PE Ratio
4681012med 8.1Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
BFH PE Ratio by year
PeriodPE Ratio
Sep 267.47
Sep 267.79
Aug 267.43
Aug 267.44
Aug 267.97
Aug 267.61
Jul 267.59
Jul 267.96
Jul 267.58
Jul 267.36
Jul 267.8
Jun 268.11
Jun 267.81
Jun 267.76
Jun 266.95
May 266.8
May 266.61
May 266.62
May 266.66
May 266.51
Apr 267.47
Apr 267.85
Apr 266.85
Apr 266.33
Mar 266.25
Mar 266.47
Mar 266.2
Mar 266.26
Feb 266.14
Feb 266.56
Feb 266.27
Feb 267.84
Jan 267.15
Jan 266.78
Jan 267.26
Jan 267.92
Jan 267.42
Dec 257.55
Dec 257.68
Dec 257.35
Dec 257.11
Nov 256.67
Nov 256.37
Nov 256.1
Nov 256.26
Oct 256.17
Oct 2510.7
Oct 259.64
Oct 258.83
Oct 259.1
Sep 259.73
Sep 2510.36
Sep 2510.32
Sep 2510.81
Aug 2510.81
Aug 2510.18
Aug 259.75
Aug 259.51
Aug 259.4
Jul 2511.07
Jul 2510.7
Jul 2510.72
Jul 2510.57
Jun 259.95
Jun 259.46
Jun 258.88
Jun 259.02
May 258.97
May 258.85
May 259.44
May 258.83
May 258.56
Apr 258.79
Apr 258.42
Apr 257.91
Apr 257.53
Mar 258.99
Mar 258.99
Mar 258.85
Mar 258.75
Feb 259.7
Feb 2510.23
Feb 2511.22
Feb 259.88
Jan 2510.09
Jan 2510.27
Jan 259.8
Jan 259.11
Jan 259.86
Dec 249.87
Dec 2410
Dec 2410.4
Dec 2410.07
Nov 249.37
Nov 249.25
Nov 249.32
Nov 249.41
Nov 248.08
Oct 245.09
Oct 245.27
Free Cash Flow Yield
40%60%80%100%med 63.5%Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
BFH Free Cash Flow Yield by year
PeriodFree Cash Flow Yield
Sep 2651.48%
Sep 2649.39%
Aug 2651.79%
Aug 2651.71%
Aug 2648.29%
Aug 2650.56%
Jul 2650.67%
Jul 2648.79%
Jul 2651.24%
Jul 2652.73%
Jul 2649.79%
Jun 2647.89%
Jun 2649.69%
Jun 2650.03%
Jun 2655.85%
May 2657.13%
May 2658.76%
May 2658.65%
May 2658.26%
May 2659.63%
Apr 2653.87%
Apr 2651.24%
Apr 2658.77%
Apr 2663.56%
Mar 2664.35%
Mar 2662.2%
Mar 2664.89%
Mar 2664.28%
Feb 2665.5%
Feb 2661.29%
Feb 2664.13%
Feb 2653.95%
Jan 2659.14%
Jan 2662.38%
Jan 2658.19%
Jan 2653.39%
Jan 2656.98%
Dec 2555.98%
Dec 2555%
Dec 2557.52%
Dec 2559.41%
Nov 2563.34%
Nov 2566.31%
Nov 2569.28%
Nov 2567.48%
Oct 2568.48%
Oct 2561.46%
Oct 2568.2%
Oct 2574.44%
Oct 2572.26%
Sep 2567.56%
Sep 2563.44%
Sep 2563.72%
Sep 2560.78%
Aug 2560.82%
Aug 2564.56%
Aug 2567.43%
Aug 2569.15%
Aug 2569.94%
Jul 2558.77%
Jul 2560.8%
Jul 2560.72%
Jul 2561.56%
Jun 2565.4%
Jun 2568.77%
Jun 2573.31%
Jun 2572.12%
May 2572.57%
May 2573.51%
May 2568.92%
May 2573.67%
May 2576.01%
Apr 2576.66%
Apr 2579.97%
Apr 2585.12%
Apr 2589.49%
Mar 2574.96%
Mar 2574.96%
Mar 2576.12%
Mar 2576.99%
Feb 2569.41%
Feb 2565.83%
Feb 2560.05%
Feb 2564.1%
Jan 2562.78%
Jan 2561.65%
Jan 2564.62%
Jan 2569.52%
Jan 2564.25%
Dec 2464.2%
Dec 2463.35%
Dec 2460.91%
Dec 2462.92%
Nov 2467.58%
Nov 2468.47%
Nov 2467.96%
Nov 2467.31%
Nov 2478.34%
Oct 2486.27%
Oct 2483.29%
Price to Sales
0.40.60.81med 0.64Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
BFH Price to Sales by year
PeriodPrice to Sales
Sep 260.89
Sep 260.93
Aug 260.89
Aug 260.89
Aug 260.95
Aug 260.91
Jul 260.91
Jul 260.95
Jul 260.9
Jul 260.88
Jul 260.93
Jun 260.96
Jun 260.93
Jun 260.92
Jun 260.83
May 260.81
May 260.79
May 260.79
May 260.79
May 260.77
Apr 260.82
Apr 260.87
Apr 260.75
Apr 260.7
Mar 260.69
Mar 260.71
Mar 260.68
Mar 260.69
Feb 260.68
Feb 260.72
Feb 260.69
Feb 260.79
Jan 260.72
Jan 260.68
Jan 260.73
Jan 260.8
Jan 260.75
Dec 250.76
Dec 250.77
Dec 250.74
Dec 250.72
Nov 250.67
Nov 250.64
Nov 250.62
Nov 250.63
Oct 250.62
Oct 250.65
Oct 250.58
Oct 250.53
Oct 250.55
Sep 250.59
Sep 250.63
Sep 250.62
Sep 250.65
Aug 250.65
Aug 250.62
Aug 250.59
Aug 250.58
Aug 250.57
Jul 250.65
Jul 250.63
Jul 250.63
Jul 250.62
Jun 250.59
Jun 250.56
Jun 250.52
Jun 250.53
May 250.53
May 250.52
May 250.56
May 250.52
May 250.5
Apr 250.51
Apr 250.48
Apr 250.46
Apr 250.43
Mar 250.52
Mar 250.52
Mar 250.51
Mar 250.5
Feb 250.56
Feb 250.59
Feb 250.65
Feb 250.63
Jan 250.64
Jan 250.65
Jan 250.62
Jan 250.58
Jan 250.63
Dec 240.63
Dec 240.64
Dec 240.66
Dec 240.64
Nov 240.6
Nov 240.59
Nov 240.59
Nov 240.6
Nov 240.52
Oct 240.5
Oct 240.52
EV/EBITDA
4681012med 6.46Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
BFH EV/EBITDA by year
PeriodEV/EBITDA
Sep 265.2
Sep 265.44
Aug 265.16
Aug 265.17
Aug 265.58
Aug 265.3
Jul 265.29
Jul 266.46
Jul 266.17
Jul 266.01
Jul 266.34
Jun 266.58
Jun 266.35
Jun 266.31
Jun 265.7
May 265.58
May 265.43
May 265.44
May 265.48
May 265.36
Apr 266.46
Apr 266.75
Apr 266
Apr 265.61
Mar 265.56
Mar 265.72
Mar 265.52
Mar 265.56
Feb 265.47
Feb 265.79
Feb 265.57
Feb 265.69
Jan 265.17
Jan 264.89
Jan 265.26
Jan 265.76
Jan 265.38
Dec 255.48
Dec 255.58
Dec 255.32
Dec 255.15
Nov 254.81
Nov 254.59
Nov 254.38
Nov 254.5
Oct 254.43
Oct 257.04
Oct 256.4
Oct 255.91
Oct 256.07
Sep 256.46
Sep 256.84
Sep 256.81
Sep 257.12
Aug 257.11
Aug 256.73
Aug 256.47
Aug 256.32
Aug 256.26
Jul 258.03
Jul 257.81
Jul 257.82
Jul 257.73
Jun 257.37
Jun 257.08
Jun 256.74
Jun 256.83
May 256.79
May 256.73
May 257.07
May 256.72
May 256.56
Apr 259.05
Apr 258.83
Apr 258.53
Apr 258.31
Mar 259.16
Mar 259.16
Mar 259.08
Mar 259.02
Feb 259.58
Feb 259.89
Feb 2510.47
Feb 257.79
Jan 257.91
Jan 258.02
Jan 257.74
Jan 257.32
Jan 257.77
Dec 247.78
Dec 247.86
Dec 248.1
Dec 247.9
Nov 247.48
Nov 247.41
Nov 247.45
Nov 247.5
Nov 246.71
Oct 244.22
Oct 244.35
Price/Operating Cashflow
11.251.51.7522.25med 1.57Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
BFH Price/Operating Cashflow by year
PeriodPrice/Operating Cashflow
Sep 261.94
Sep 262.02
Aug 261.92
Aug 261.93
Aug 262.06
Aug 261.97
Jul 261.97
Jul 262.04
Jul 261.94
Jul 261.89
Jul 262
Jun 262.08
Jun 262.01
Jun 261.99
Jun 261.78
May 261.74
May 261.7
May 261.7
May 261.71
May 261.67
Apr 261.85
Apr 261.94
Apr 261.7
Apr 261.57
Mar 261.55
Mar 261.6
Mar 261.54
Mar 261.55
Feb 261.52
Feb 261.63
Feb 261.55
Feb 261.85
Jan 261.68
Jan 261.6
Jan 261.71
Jan 261.87
Jan 261.75
Dec 251.78
Dec 251.81
Dec 251.73
Dec 251.68
Nov 251.57
Nov 251.5
Nov 251.44
Nov 251.48
Oct 251.45
Oct 251.65
Oct 251.49
Oct 251.36
Oct 251.4
Sep 251.5
Sep 251.6
Sep 251.59
Sep 251.67
Aug 251.67
Aug 251.57
Aug 251.5
Aug 251.47
Aug 251.45
Jul 251.72
Jul 251.66
Jul 251.66
Jul 251.64
Jun 251.54
Jun 251.47
Jun 251.38
Jun 251.4
May 251.39
May 251.37
May 251.46
May 251.37
May 251.33
Apr 251.3
Apr 251.25
Apr 251.17
Apr 251.12
Mar 251.33
Mar 251.33
Mar 251.31
Mar 251.3
Feb 251.44
Feb 251.52
Feb 251.67
Feb 251.54
Jan 251.58
Jan 251.6
Jan 251.53
Jan 251.42
Jan 251.54
Dec 241.54
Dec 241.56
Dec 241.62
Dec 241.57
Nov 241.46
Nov 241.45
Nov 241.46
Nov 241.47
Nov 241.26
Oct 241.13
Oct 241.17
Price to Book
0.60.811.21.4med 0.98Dec 24Apr 25Jul 25Oct 25Feb 26May 26Sep 26
BFH Price to Book by year
PeriodPrice to Book
Sep 261.26
Sep 261.31
Aug 261.25
Aug 261.26
Aug 261.34
Aug 261.28
Jul 261.28
Jul 261.34
Jul 261.28
Jul 261.24
Jul 261.32
Jun 261.37
Jun 261.32
Jun 261.31
Jun 261.17
May 261.15
May 261.11
May 261.12
May 261.12
May 261.1
Apr 261.16
Apr 261.22
Apr 261.07
Apr 260.99
Mar 260.97
Mar 261.01
Mar 260.97
Mar 260.97
Feb 260.96
Feb 261.02
Feb 260.98
Feb 261.11
Jan 261.02
Jan 260.96
Jan 261.03
Jan 261.13
Jan 261.06
Dec 251.07
Dec 251.09
Dec 251.05
Dec 251.01
Nov 250.95
Nov 250.91
Nov 250.87
Nov 250.89
Oct 250.88
Oct 250.97
Oct 250.87
Oct 250.8
Oct 250.82
Sep 250.88
Sep 250.94
Sep 250.93
Sep 250.98
Aug 250.98
Aug 250.92
Aug 250.88
Aug 250.86
Aug 250.85
Jul 251.01
Jul 250.98
Jul 250.98
Jul 250.96
Jun 250.91
Jun 250.86
Jun 250.81
Jun 250.82
May 250.82
May 250.81
May 250.86
May 250.81
May 250.78
Apr 250.79
Apr 250.76
Apr 250.72
Apr 250.68
Mar 250.81
Mar 250.81
Mar 250.8
Mar 250.79
Feb 250.88
Feb 250.93
Feb 251.01
Feb 250.99
Jan 251.01
Jan 251.03
Jan 250.98
Jan 250.91
Jan 250.99
Dec 240.99
Dec 241
Dec 241.04
Dec 241.01
Nov 240.94
Nov 240.93
Nov 240.93
Nov 240.94
Nov 240.81
Oct 240.77
Oct 240.8
Bread Financial Holdings, Inc.
BFH
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News: BFH

Bread Financial to Participate in the Barclays 24th Annual Global Financial Services Conference

globenewswire.com · 8 Sep 2026

Bread Financial to Participate in the Barclays 24th Annual Global Financial Services Conference

COLUMBUS, Ohio, Sept. 08, 2026 (GLOBE NEWSWIRE) -- Bread Financial ® Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions to millions of U.S consumers, today announced the company's participation in the Barclays 24 th Annual Global Financial Services Conference on Tuesday, September 15.

17,442 Shares in Bread Financial Holdings, Inc. $BFH Bought by Jupiter Topco LLC

defenseworld.net · 4 Sep 2026

17,442 Shares in Bread Financial Holdings, Inc. $BFH Bought by Jupiter Topco LLC

Jupiter Topco LLC purchased a new stake in Bread Financial Holdings, Inc. (NYSE: BFH) in the undefined quarter, according to its most recent filing with the SEC. The institutional investor purchased 17,442 shares of the company's stock, valued at approximately $1,891,000. Several other hedge funds also recently added to or reduced their stakes

BFH or HASI: Which Is the Better Value Stock Right Now?

zacks.com · 1 Sep 2026

BFH or HASI: Which Is the Better Value Stock Right Now?

Investors interested in stocks from the Financial - Miscellaneous Services sector have probably already heard of Bread Financial Holdings (BFH) and HA Sustainable Infrastructure Capital (HASI). But which of these two stocks presents investors with the better value opportunity right now?

Bread Financial: Attractive Yield From A Seasoned Consumer Lender

seekingalpha.com · 28 Aug 2026

Bread Financial: Attractive Yield From A Seasoned Consumer Lender

Bread Financial offers robust consumer lending, boasting a long track record of positive net income—even through recessionary cycles. BFH funds itself primarily through low-cost deposits, maintaining a Tier 1 capital ratio near 14% and BB credit ratings. Series B Preferred Shares yield 8.9% (stripped), compensating for recession-driven risks in the consumer lending sector.

Credit Card Balances 90 Days Late Have Nearly Doubled Since 2022. New Delinquencies Have Not Moved.

fool.com · 26 Aug 2026

Credit Card Balances 90 Days Late Have Nearly Doubled Since 2022. New Delinquencies Have Not Moved.

Consumers are still doing OK, but the people facing material financial strain are really struggling.

Fans Score More: NFL Extra Points American Express® Credit Card Now Available

globenewswire.com · 26 Aug 2026

Fans Score More: NFL Extra Points American Express® Credit Card Now Available

Bread Financial®  to continue as issuer for the NFL Extra Points Credit Card program, with majority of clubs transitioning to the American Express Network

BlackRock Inc. Purchases New Stake in Bread Financial Holdings, Inc. $BFH

defenseworld.net · 26 Aug 2026

BlackRock Inc. Purchases New Stake in Bread Financial Holdings, Inc. $BFH

BlackRock Inc. acquired a new stake in shares of Bread Financial Holdings, Inc. (NYSE: BFH) during the second quarter, according to its most recent filing with the Securities and Exchange Commission. The institutional investor acquired 3,888,457 shares of the company's stock, valued at approximately $421,314,000. BlackRock Inc. owned about 10.12% of Bread Financial

Here Are Tuesday’s Top Wall Street Analyst Research Calls: Advanced Micro Devices, Dynatrace, Five Below, Fortune Brands, Klarna Group, Jersey Mike’s Subs, Moderna, Sherwin-Williams, and More

247wallst.com · 25 Aug 2026

Here Are Tuesday’s Top Wall Street Analyst Research Calls: Advanced Micro Devices, Dynatrace, Five Below, Fortune Brands, Klarna Group, Jersey Mike’s Subs, Moderna, Sherwin-Williams, and More

Wall Street is making bold moves Tuesday, upgrading AMD and shaking up fintech names like Klarna and Shift4 while fresh initiations hit Fortune Brands and Jersey Mike's. Find out which stocks analysts are backing and which they are walking away from.

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Disclaimer: The historical data presented on this platform is provided by Financial Modeling Prep. Stock Picker is a platform for informational purposes only and does not provide financial advice. Users are encouraged to conduct their own research and consult with a qualified financial advisor before making investment decisions.