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BFH NYSE US

Bread Financial Holdings, Inc. Common Stock

Financial Services · Financial Services Website · IPO Jun 2001
$78.87
▼ $-0.11 (-0.14%)
Vol 8K
Mkt Cap
$3.4B
P/E
6.6
ROE
16.1%
Margin
11.5%
Beta
1.14
Div Yield
1.15%
52W
$41–$82

Wall Street Consensus

22 analysts · Apr 2026
4
Strong Buy
6
Buy
9
Hold
3
Sell
0
Strong Sell
45.5%
Buy Rating

Price Chart

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Earnings

Beat rate: 100.0%
Quarter EPS Est EPS Act Surprise
Dec 2025 $0.36 $1.16 +$0.80
Sep 2025 $2.10 $3.96 +$1.86
Jun 2025 $1.89 $2.93 +$1.04
Mar 2025 $2.27 $2.78 +$0.51

Quarterly Revenue & Earnings

Quarter 2024-0… 2024-1… 2025-0… 2025-0… 2025-0… 2025-1…
Revenue — $925.0M $970.0M $929.0M $971.0M $975.0M
Net Income — $7.0M $138.0M $139.0M $188.0M $54.0M

Key Ratios

ROA (TTM)
2.3%
P/S (TTM)
0.76
P/B
1.0
EPS (TTM)
$10.86
CF/Share
$13.63
Rev Growth 3Y
+1.3%
52W High
$82.03
52W Low
$41.22
$41.22 52-Week Range $82.03

Financial Health

Free Cash Flow
$568.0M
Net Debt
$789.0M
Cash
$3.6B
Total Debt
$4.4B
As of Dec 31, 2025

How does BFH compare to Financial Services peers?

Peer group: Peers · Financial Services (Peers) · 10 companies

BFH UPST EZPW LC SLM JCAP AXP ECPG ENVA DAVE

BFH valuation vs Financial Services peers

P/E ratio
6.6
▼ 46% below peers (12.2)
vs Peers
vs Industry
Undervalued
P/S ratio
0.8
▼ 60% below peers (1.9)
vs Peers
vs Industry
Undervalued
P/B ratio
1.0
▼ 63% below peers (2.7)
vs Peers
vs Industry
Undervalued
Div yield
1.2%
▼ 26% below peers (1.6%)
vs Peers
vs Industry
Low yield

BFH profitability vs Financial Services peers

ROE
16.1%
▲ 0% above peers (16.1%)
vs Peers
vs Industry
In line
Net margin
11.5%
▲ 0% above peers (11.5%)
vs Peers
vs Industry
In line
Gross margin
92.8%
▲ 17% above peers (79.1%)
vs Peers
vs Industry
Below avg
ROA
2.3%
▲ 0% above peers (2.3%)
vs Peers
vs Industry
In line

BFH financial health vs Financial Services peers

D/E ratio
—
▼ 0% below peers (234.1)
vs Peers
vs Industry
High debt
Current ratio
1.5
▼ 1% below peers (1.5)
vs Peers
vs Industry
Low liquidity
Beta
1.1
▼ 6% below peers (1.2)
vs Peers
vs Industry
Less volatile

BFH fundamentals radar

BFH Peer median Industry

BFH profitability vs leverage

Bubble size = market cap · X = net margin · Y = D/E ratio

BFH vs peers: key metrics

Insider Activity

Neutral
Buys
9
Sells
0
BALLOU ROGER H
Director · Feb 19
gift
1351 shs
MOTES JOSEPH L III
General Counsel · Feb 17
award
24271 shs
ANDRETTA RALPH J.
Chief Executive Officer · Feb 17
award
124428 shs
MCCONNAUGHEY TAMMY M
Officer · Feb 17
award
23729 shs
GREER VALERIE E
Officer · Feb 17
award
29238 shs
BEBERMAN PERRY S.
Chief Financial Officer · Feb 17
award
31870 shs
BEBERMAN PERRY S.
Chief Financial Officer · Feb 17
award
31870 shs
CAMPBELL JONATHAN BRYAN
Officer · Feb 17
award
6911 shs
DRISCOLL ALLEGRA S
Chief Technology Officer · Feb 17
award
17772 shs
GERSPACH JOHN C
Director · Jan 15
award
499 shs
Last 90 days

Insider Buy Returns

FAWCETT JOHN J
Jul 30, 2025
$63459 +27.64%

Top Holders

Top 5: 41.74%
Vanguard Group Inc
12.35%
$404.1M
Blackrock Inc.
10.90%
$356.5M
Dimensional Fund Advisors LP
7.43%
$243.0M
Turtle Creek Asset Manageme…
6.16%
$201.5M
Franklin Resources, Inc.
4.90%
$160.3M
As of Dec 31, 2025

Dividends

$0.88
/ year
Feb 27, 2026 $0.2300
Nov 07, 2025 $0.2300
Aug 08, 2025 $0.2100
May 09, 2025 $0.2100
Feb 14, 2025 $0.2100
Nov 08, 2024 $0.2100
Aug 09, 2024 $0.2100
May 09, 2024 $0.2100

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