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Bread Financial Holdings, Inc.

Data quality: 100%
BFH
NYSE Financial Services Financial - Credit Services
$75.11
▲ $0.63 (0.84%)
Mkt Cap: 3.43B
Day Range
$74.18 $75.65
52-Week Range
$38.21 $82.03
Volume
398,814
50D / 200D Avg
$73.25 / $65.46
Prev Close
$74.49

Quick Summary

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (854 peers)

Metric Stock Sector Median
P/E 6.6 10.3
P/B 1.0 1.1
ROE % 16.2 11.7
Net Margin % 11.0 16.9
Rev Growth 5Y % 9.5 11.6
D/E 1.3 0.5

Analyst Price Target

Hold
$84.17 +12.1%
Low: $64.00 High: $92.00
Forward P/E
7.40
Forward EPS
$10.09
EPS Growth (est.)
+0.0%
Est. Revenue
3.96B

Earnings Estimates

Period EPS Est. Revenue Est. Analysts
FY2028 $13.37
$13.09 – $13.73
4.37B 1
FY2027 $11.70
$8.16 – $12.96
4.11B 9
FY2026 $10.09
$8.05 – $10.94
3.96B 10

Dividend History

7 yr streak

Yield

0.01%

Payout Ratio

0.08%

Growth (3Y)

0.79%

Growth (5Y)

-7.35%

Ex-Date Payment Date Amount Yield
Feb 27, 2026 Mar 16, 2026 $0.23 1.24%
Nov 07, 2025 Dec 12, 2025 $0.23 1.35%
Aug 08, 2025 Sep 12, 2025 $0.21 1.44%
May 09, 2025 Jun 13, 2025 $0.21 1.66%
Feb 14, 2025 Mar 21, 2025 $0.21 1.35%
Nov 08, 2024 Dec 13, 2024 $0.21 1.42%
Aug 09, 2024 Sep 13, 2024 $0.21 1.64%
May 09, 2024 Jun 14, 2024 $0.21 2.09%
Feb 08, 2024 Mar 15, 2024 $0.21 2.38%
Nov 10, 2023 Dec 15, 2023 $0.21 3.04%
Aug 10, 2023 Sep 15, 2023 $0.21 2.06%
May 11, 2023 Jun 16, 2023 $0.21 3.19%
Feb 09, 2023 Mar 17, 2023 $0.21 2.05%
Nov 10, 2022 Dec 16, 2022 $0.21 2.08%
Aug 11, 2022 Sep 16, 2022 $0.21 1.91%
May 12, 2022 Jun 17, 2022 $0.21 1.65%
Feb 10, 2022 Mar 18, 2022 $0.21 1.05%
Nov 10, 2021 Dec 17, 2021 $0.21 0.91%
Aug 12, 2021 Sep 17, 2021 $0.21 0.90%
May 13, 2021 Jun 18, 2021 $0.21 0.72%

Key Takeaways

Revenue grew 9.49% annually over 5 years — modest growth
Earnings grew 87.00% over the past year
ROE of 16.24% — decent returns on equity
Generating 2.09B in free cash flow
P/E of 6.61 — trading at a low valuation
PEG of 0.06 suggests growth is underpriced

Growth

Revenue Growth (5Y)
9.49%
Revenue (1Y)-2.06%
Earnings (1Y)87.00%
FCF Growth (3Y)2.61%

Quality

Return on Equity
16.24%
ROIC5.97%
Net Margin11.02%
Op. Margin13.07%

Safety

Debt / Equity
1.32
Current Ratio0.27
Interest Coverage0.72

Valuation

P/E Ratio
6.61
Forward P/E7.40
P/B Ratio1.03
EV/EBITDA6.86
Dividend Yield0.01%

All Fundamental Metrics

Growth
Revenue Growth (1Y) -2.06% Revenue Growth (3Y) -4.70%
Earnings Growth (1Y) 87.00% Earnings Growth (3Y) -15.06%
Revenue Growth (5Y) 9.49% Earnings Growth (5Y) -10.32%
Profitability
Revenue (TTM) 4.70B Net Income (TTM) 518.00M
ROE 16.24% ROA 2.29%
Gross Margin 63.33% Operating Margin 13.07%
Net Margin 11.02% Free Cash Flow (TTM) 2.09B
ROIC 5.97% FCF Growth (3Y) 2.61%
Safety
Debt / Equity 1.32 Current Ratio 0.27
Interest Coverage 0.72
Dividends
Dividend Yield 0.01% Payout Ratio 0.08%
Dividend Growth (3Y) 0.79% Dividend Growth (5Y) -7.35%
Consecutive Div Years 7 yrs
Valuation
P/E Ratio 6.61 Forward P/E 7.40
P/B Ratio 1.03 P/S Ratio 0.73
PEG Ratio 0.06 Forward PEG N/A
EV/EBITDA 6.86 Fwd EV/EBITDA 5.87
Forward P/S 0.87 Fwd Earnings Yield 13.51%
FCF Yield 61.08%
Market Cap 3.43B Enterprise Value 4.21B

Income Statement

Annual, most recent first

Income statement data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 4.70B 4.80B 5.17B 4.37B 3.27B
Net Income 518.00M 277.00M 718.00M 223.00M 801.00M
EPS (Diluted) 10.96 5.50 14.36 4.46 16.02
Gross Profit 2.98B 2.44B 3.07B 2.28B 2.06B
Operating Income 614.00M 381.00M 968.00M 300.00M 1.04B

Balance Sheet

Annual, most recent first

Balance sheet data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 22.66B 22.89B 23.14B 25.41B 21.75B
Total Liabilities 19.34B 19.84B 20.22B 23.14B 19.66B
Shareholders' Equity 3.33B 3.05B 2.92B 2.27B 2.09B
Total Debt 4.39B 5.69B 5.44B 8.13B 7.58B
Cash & Equivalents 3.60B 3.68B 3.59B 3.89B 3.05B
Current Assets 3.95B 4.03B 3.93B 4.19B 19.82B
Current Liabilities 14.68B 13.95B 14.60B 14.84B 11.95B

Strategy Scores

This stock passed the criteria for 1 strategy

Score = fit strength (0–100)
Rank = position among all matches
#177 of 670
47

Recent Activity

Entered Contrarian Investing (David Dreman)
Mar 24, 2026