Bread Financial Holdings, Inc. BFH R2KR3KFINANCIAL
Company Overview
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 management solutions, underwriting, and funding services for private label and co-brand credit card programs, as well as through Bread Pay partnerships. The company also manages and services the loans it originates for private label, co-brand, and general-purpose credit card programs, and installment loans and split-pay products; and provides marketing, and data and analytics services. In addition, it offers an enhanced digital suite that includes a unified software development kit, which provides access to its suite of products, as well as promotes credit payment options earlier in the shopping experience. Further, the company through Bread Pay, a digital payments platform and robust suite of application programming interfaces allows merchants and partners to integrate online point-of-sale financing and other digital payment products. Additionally, it offers retail and deposit products, primarily in the form of certificates of deposit and high-yield savings accounts, including traditional and Roth Individual Retirement Accounts. The company offers its products under the Bread, Bread Financial, Bread Cashback, Bread Rewards, Bread Pay, and Bread Savings brands. The company was formerly known as Alliance Data Systems Corporation and changed its name to Bread Financial Holdings, Inc. in March 2022. Bread Financial Holdings, Inc. was incorporated in 1995 and is headquartered in Columbus, Ohio.
Why Investors Should Care
Generates a return on equity of 17.4%, reflecting efficient use of shareholder capital.
Trades at a P/E of 7.9, below the sector median of 13.7.
Maintains a net profit margin of 21.4%.
Recent Developments
- Trailing 12 Months Year-on-year growth — revenue +3.8%, earnings +21.2%.
- 5-Year Trend Long-term compounding — revenue CAGR -9.9%, profit CAGR 5.6%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | -9.93% |
| 1 Year: | 3.80% |
Compounded Profit Growth
| 5 Years: | 5.56% |
| 1 Year: | 21.20% |
Stock Price Performance
| 1 Year: | +69.29% |
| 6 Months: | +11.75% |
| 3 Months: | -1.57% |
| 1 Month: | +3.29% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMABelow
- Price vs 200-DMAAbove
- RSI (14)49.61 · Neutral
P/E of 7.94 is below the sector median of 13.71 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 21.4%.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
- Revenue declined at -9.9% CAGR over 5 years.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | BFH Bread Financial Holdings, Inc. R2KR3KFINANCIAL | 102.45 | 7.94 | $3.94B | 0.91% | 2.46% | 17.42% | -9.93% | 5.56% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 336.54 | 14.43 | $894.59B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 546.97 | 13.76 | $770.15B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 414.34 | 35.23 | $706.08B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 633.21 | 34.87 | $550.55B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 820,500.00 | 13.76 | $400.77B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 7 | BAC Bank of America Corporation SPXR3KFINANCIAL | 51.08 | 11.80 | $357.19B | 2.39% | - | 11.20% | 3.14% | 4.27% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 91.89 | 13.13 | $314.52B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 183.97 | 14.87 | $288.94B | 2.26% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Jun 2015 | Sep 2015 | Dec 2015 | Mar 2016 | Jun 2016 | Sep 2016 | Dec 2016 | Mar 2017 | Jun 2017 | Sep 2017 | Dec 2017 | Mar 2018 | Jun 2018 | Sep 2018 | Dec 2018 | Mar 2019 | Jun 2019 | Sep 2019 | Dec 2019 | Mar 2020 | Jun 2020 | Sep 2020 | Dec 2020 | Mar 2021 | Jun 2021 | Sep 2021 | Mar 2022 | Jun 2022 | Sep 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | - | - | - | - | - | - | - | - | - | - | - | 221.80M | 247.40M | 222.60M | - | 182.20M | 217.00M | 198.60M | - | 164.30M | 119.50M | 134.50M | - | 140.80M | 96.10M | 104.30M | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Income | 285.70M | 287.50M | 364.00M | 344.30M | 320.60M | 421.00M | 179.60M | 352.40M | 351.40M | 478.90M | 462.80M | 372.30M | 396.70M | 479.80M | 508.50M | 356.90M | 337.30M | 304.20M | 309.00M | 164.00M | 174.70M | 291.00M | 258.70M | 503.10M | 473.30M | 382.80M | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Net Income | - | - | - | - | - | - | - | - | - | - | - | 163.90M | 217.80M | 296.50M | 284.90M | 149.10M | 139.00M | -107.60M | 97.50M | 30.00M | 38.40M | 133.30M | 12.00M | 286.00M | 274.00M | 224.00M | 210.00M | 12.00M | 134.00M | 455.00M | 48.00M | 171.00M | 134.00M | 133.00M | 2.00M | 138.00M | 139.00M | 188.00M | 181.00M | 146.00M |
| Diluted EPS | 2.11 | 2.08 | 2.35 | 2.35 | 1.24 | 3.55 | 0.18 | 2.58 | 2.47 | 4.20 | 4.88 | 2.95 | 3.93 | 5.39 | 5.25 | 2.80 | 2.64 | -2.13 | 2.05 | 0.63 | 0.81 | 2.79 | 0.25 | 5.74 | 5.47 | 4.47 | 4.20 | 0.25 | 2.69 | 9.08 | 0.95 | 3.42 | 2.70 | 2.66 | 0.05 | 2.78 | 2.94 | 3.96 | 4.15 | 3.55 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2.03B | 1.96B | 2.79B | 3.17B | 3.64B | 4.32B | 5.30B | 6.44B | 7.14B | 5.47B | 960.10M | 840.20M | 577.20M | - | - | - | - | - |
| Operating Income | 460.59M | 407.76M | 629.22M | 812.68M | 974.36M | 1.10B | 1.10B | 1.26B | 1.27B | 1.52B | 1.76B | 662.00M | 301.00M | - | - | - | - | - |
| Net Income | 206.40M | 143.73M | 193.74M | 315.29M | 422.26M | 496.17M | 506.30M | 596.50M | 515.80M | 788.70M | 963.10M | 278.00M | 214.00M | 801.00M | 223.00M | 718.00M | 277.00M | 518.00M |
| Diluted EPS | 2.80 | 2.49 | 3.48 | 5.45 | 6.58 | 7.42 | 7.87 | 8.85 | 7.34 | 14.10 | 17.49 | 5.46 | 4.46 | 16.02 | 4.46 | 14.34 | 5.49 | 10.89 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2007 | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Total Assets | - | - | 5.23B | 8.27B | 8.98B | 12.00B | 13.24B | 20.19B | 22.35B | 25.51B | 30.68B | 30.39B | 26.49B | 22.55B | 21.75B | 25.41B | 23.14B | 22.89B | 22.66B |
| Total Equity | 1.20B | 547.30M | 272.78M | 23.09M | 175.97M | 528.49M | 855.80M | 2.40B | 2.01B | 1.66B | 1.86B | 2.33B | 1.59B | 1.52B | 2.09B | 2.27B | 2.92B | 3.05B | 3.33B |
| Cash & Equivalents | 265.84M | 156.91M | 213.38M | 139.11M | 216.21M | 893.35M | 969.80M | 1.08B | 1.17B | 1.86B | 4.19B | 3.82B | 3.87B | 2.80B | 3.05B | 3.89B | 3.59B | 3.68B | 3.60B |
| Long Term Debt | - | - | - | - | 2.18B | 2.85B | 2.80B | 4.77B | 5.06B | 5.60B | 6.08B | 5.74B | 2.85B | 2.81B | 7.44B | 8.01B | 5.29B | 5.56B | 4.31B |
| Total Liabilities | - | - | 4.95B | 8.25B | 8.80B | 11.47B | 12.39B | 17.63B | 20.17B | 23.86B | 28.83B | 28.06B | 24.91B | 21.02B | 19.66B | 23.14B | 20.22B | 19.84B | 19.34B |
| Current Liabilities | - | - | 2.13B | 3.86B | 3.86B | 5.03B | 4.51B | 6.31B | 6.40B | 9.23B | 10.15B | 11.48B | 11.87B | 10.42B | - | - | - | - | - |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | 451.02M | 358.41M | 902.71M | 1.01B | 1.13B | - | - | 1.76B | 2.13B | 2.60B | 2.75B | 1.22B | 1.88B | 1.54B | 1.85B | 1.99B | 1.86B | 2.09B |
| Investing Cash Flow | -512.52M | -888.02M | -340.78M | -1.04B | -2.67B | - | - | -3.36B | -4.29B | -4.27B | -1.87B | 2.86B | 1.77B | -1.69B | -5.11B | 788.00M | -1.17B | -1.37B |
| Financing Cash Flow | -20.31M | 570.19M | -715.67M | 109.25M | 2.21B | - | - | 1.72B | 2.64B | 4.00B | -1.22B | -4.09B | -4.17B | 608.00M | 3.27B | -3.09B | -592.00M | -807.00M |
| Share Buybacks | 1.00B | 445.89M | 148.72M | 240.88M | 125.84M | 231.09M | 286.60M | 951.60M | 798.80M | 553.70M | 443.20M | 976.00M | - | 0 | 12.00M | 35.00M | 55.00M | 313.00M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2008 | Dec 2009 | Dec 2010 | Dec 2011 | Dec 2012 | Dec 2013 | Dec 2014 | Dec 2015 | Dec 2016 | Dec 2017 | Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
| Operating Margin % | 22.7% | 20.8% | 22.5% | 25.6% | 26.8% | 25.4% | 20.7% | 19.6% | 17.7% | 27.7% | 183.0% | 78.8% | 52.1% | - | - | - | - | - |
| Net Margin % | 10.2% | 7.3% | 6.9% | 9.9% | 11.6% | 11.5% | 9.5% | 9.3% | 7.2% | 14.4% | 100.3% | 33.1% | 37.1% | - | - | - | - | - |
| ROE % | 37.7% | 52.7% | 838.9% | 179.2% | 79.9% | 58.0% | 21.1% | 29.7% | 31.1% | 42.5% | 41.3% | 17.5% | 14.1% | 38.4% | 9.8% | 24.6% | 9.1% | 15.6% |
| ROCE % | - | 13.2% | 14.3% | 15.9% | 14.0% | 12.6% | 7.9% | 7.9% | 7.8% | 7.4% | 9.3% | 4.5% | 2.5% | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 10.12% | 3.89M | $391.10M |
| 2 | Dimensional Fund Advisors LP | 8.05% | 3.09M | $311.01M |
| 3 | Vanguard Portfolio Management LLC | 6.82% | 2.62M | $263.70M |
| 4 | American Century Companies Inc | 4.66% | 1.79M | $180.16M |
| 5 | Allianz Asset Management GmbH | 4.66% | 1.79M | $179.88M |
| 6 | Vanguard Capital Management LLC | 4.57% | 1.76M | $176.78M |
| 7 | State Street Corporation | 4.38% | 1.68M | $169.15M |
| 8 | Turtle Creek Asset Management Inc. | 3.41% | 1.31M | $131.79M |
| 9 | Geode Capital Management, LLC | 2.95% | 1.13M | $113.87M |
| 10 | Arrowstreet Capital, Limited Partnership | 2.72% | 1.05M | $105.13M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for BFH
Bread Financial Holdings (BFH) Surpasses Q3 Earnings and Revenue Estimates - Yahoo Finance
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Bread Financial: Q3 Earnings Snapshot - kare11.com
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Bread Financial (NYSE:BFH) posts Q3 2026 sales in line with estimates - TradingView
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BFH 261120 92.50P (BFH261120P92500) Stock Options Chain | Quotes & News - Moomoo
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A 9% increase lifts Bread Financial's quarterly common dividend to 25 cents per share. - Stock Titan
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Bread Financial Holdings Inc (BFH) Shares Surge 3.8% -- What GF Score of 68 Tells Investors - GuruFocus
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BFH — Frequently Asked Questions
What is the current share price of Bread Financial Holdings, Inc. (BFH)?
As of 2026-10-22 16:30 PDT, Bread Financial Holdings, Inc. (BFH) trades at $102.45 on NYSE. Its 52-week range is $53.47 to $113.15.
What is the market capitalisation of BFH?
Bread Financial Holdings, Inc. (BFH) has a market capitalisation of $3.94B on NYSE.
What is the P/E ratio of BFH?
BFH trades at a trailing price-to-earnings (P/E) ratio of 7.94. The industry average P/E is 13.71. Its price-to-book (P/B) ratio is 1.16.
Does BFH pay a dividend?
Bread Financial Holdings, Inc. (BFH) currently offers a dividend yield of 0.91%.
What is the return on equity (ROE) of BFH?
BFH has a return on equity (ROE) of 17.42%. Its return on capital employed (ROCE) is 2.46%.
Is BFH a good stock to buy?
This page provides a data-driven analysis of Bread Financial Holdings, Inc. (BFH), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.