BFH
Bread Financial Holdings, Inc.
Price Chart
Latest Quote
$101.43
-0.16 (-0.16%)
Current Price
| Previous Close | $101.59 |
| Open | $101.82 |
| Day High | $104.21 |
| Day Low | $100.88 |
| Volume | 554,098 |
Stock Information
| Quarterly Dividend / Yield | $0.92 / 0.91% |
| Shares Outstanding | 40.41M |
| Quarterly Dividend Yield | 0.91% |
| Quarterly Dividend | $0.92 |
| Total Debt | $3.88B |
| Cash Equivalents | $3.64B |
| Revenue | $2.64B |
| Net Income | $558.00M |
| Sector | Financial Services |
| Industry | Credit Services |
| Market Cap | $4.10B |
| P/E Ratio | 8.28 |
| EPS (TTM) | $12.25 |
| Exchange | NYQ |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $4.35B |
| Sales | $2.64B |
| Income | $558.00M |
| Book/sh | $80.51 |
| Cash/sh | $90.01 |
| Employees | 6K |
Financial Ratios
| EPS Growth TTM | 31.20% |
Returns & Margins
| ROA | 2.51% |
| ROE | 17.52% |
| Operating Margin | 33.99% |
| Profit Margin | 21.22% |
Ownership
| Insider Ownership | 1.32% |
| Institutional Ownership | 112.32% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| Forward P/E | 8.15 |
| PEG | 2.35 |
| P/S | 1.55 |
| P/B | 1.26 |
Analyst Data
| Recommendation | buy |
| Target Price | $97.00 |
Technical Indicators
| SMA20 | $92.86 |
| SMA50 | $88.41 |
| SMA200 | $73.38 |
| RSI | 80.28 |
| ATR | 3.4964 |
| Shares Float | 39.78M |
| Short Float | 0.01% |
| Volatility | 1.17 |
| Rel Volume | 0.94 |
Performance History
| Week | +5.16% |
| Month | +18.35% |
| Quarter | +42.69% |
| 6 Months | +37.18% |
| YTD | +35.45% |
| Year | +95.49% |
| 3 Years | +248.88% |
| 5 Years | +24.42% |
| 10 Years | -26.31% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-17 | $101.43 | 695,500 |
| 2026-06-16 | $101.59 | 949,500 |
| 2026-06-15 | $102.50 | 830,900 |
| 2026-06-12 | $101.71 | 621,100 |
| 2026-06-11 | $101.63 | 1,059,100 |
| 2026-06-10 | $96.45 | 1,304,300 |
| 2026-06-09 | $94.22 | 672,700 |
| 2026-06-08 | $91.42 | 504,700 |
| 2026-06-05 | $91.11 | 392,900 |
| 2026-06-04 | $91.15 | 560,900 |
| 2026-06-03 | $88.36 | 682,800 |
| 2026-06-02 | $91.55 | 1,302,600 |
| 2026-06-01 | $89.39 | 535,600 |
| 2026-05-29 | $89.07 | 843,600 |
| 2026-05-28 | $88.23 | 978,800 |
| 2026-05-27 | $89.69 | 570,700 |
| 2026-05-26 | $88.28 | 624,300 |
| 2026-05-22 | $86.37 | 569,300 |
| 2026-05-21 | $85.56 | 569,000 |
| 2026-05-20 | $87.46 | 467,700 |
| 2026-05-19 | $84.63 | 700,700 |
| 2026-05-18 | $85.71 | 524,500 |
About Bread Financial Holdings, Inc.
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.
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Period:
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Income Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $3,845,000,000 | $3,838,000,000 | $4,295,000,000 | $3,870,000,000 |
| Operating Revenue | $3,845,000,000 | $3,838,000,000 | $4,295,000,000 | $3,870,000,000 |
| Reconciled Cost Of Revenue | - | - | - | - |
| Cost Of Revenue | - | - | - | - |
| Expenses | ||||
| Interest Expense | $854,000,000 | $960,000,000 | $879,000,000 | $503,000,000 |
| Selling And Marketing Expense | $150,000,000 | $147,000,000 | $161,000,000 | $180,000,000 |
| General And Administrative Expense | $880,000,000 | $897,000,000 | $867,000,000 | $779,000,000 |
| Professional Expense And Contract Services Expense | $112,000,000 | $112,000,000 | $128,000,000 | $142,000,000 |
| Other Non Interest Expense | $669,000,000 | $675,000,000 | $797,000,000 | $695,000,000 |
| Total Expenses | - | - | - | - |
| Operating Expense | - | - | - | - |
| Other Operating Expenses | - | - | - | - |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $521,000,000 | $279,000,000 | $737,000,000 | $224,000,000 |
| Net Interest Income | $4,058,000,000 | $4,064,000,000 | $4,266,000,000 | $4,181,000,000 |
| Interest Income | $4,912,000,000 | $5,024,000,000 | $5,145,000,000 | $4,684,000,000 |
| Normalized Income | $583,752,000 | $364,761,000 | $737,762,000 | $224,000,000 |
| Net Income From Continuing And Discontinued Operation | $518,000,000 | $277,000,000 | $718,000,000 | $223,000,000 |
| Net Income Common Stockholders | $518,000,000 | $277,000,000 | $718,000,000 | $223,000,000 |
| Net Income | $518,000,000 | $277,000,000 | $718,000,000 | $223,000,000 |
| Net Income Including Noncontrolling Interests | $518,000,000 | $277,000,000 | $718,000,000 | $223,000,000 |
| Net Income Discontinuous Operations | $-3,000,000 | $-2,000,000 | $-19,000,000 | $-1,000,000 |
| Net Income Continuous Operations | $521,000,000 | $279,000,000 | $737,000,000 | $224,000,000 |
| Pretax Income | $615,000,000 | $381,000,000 | $968,000,000 | $300,000,000 |
| Special Income Charges | $-74,000,000 | $-117,000,000 | $-1,000,000 | $0 |
| Depreciation Amortization Depletion Income Statement | $80,000,000 | $90,000,000 | $116,000,000 | $113,000,000 |
| Depreciation And Amortization In Income Statement | $80,000,000 | $90,000,000 | $116,000,000 | $113,000,000 |
| Operating Income | - | - | - | - |
| Gross Profit | - | - | - | - |
| Per Share | ||||
| Diluted EPS | $10.89 | $5.49 | $14.34 | $4.46 |
| Basic EPS | $11.07 | $5.58 | $14.39 | $4.47 |
| Other | ||||
| Tax Effect Of Unusual Items | $-11,248,000 | $-31,239,000 | $-238,000 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $-74,000,000 | $-117,000,000 | $-1,000,000 | $0 |
| Total Unusual Items Excluding Goodwill | $-74,000,000 | $-117,000,000 | $-1,000,000 | $0 |
| Reconciled Depreciation | $80,000,000 | $90,000,000 | $116,000,000 | $113,000,000 |
| Diluted Average Shares | $47,600,000 | $50,400,000 | $50,000,000 | $50,000,000 |
| Basic Average Shares | $46,800,000 | $49,600,000 | $49,800,000 | $49,900,000 |
| Diluted NI Availto Com Stockholders | $518,000,000 | $277,000,000 | $718,000,000 | $223,000,000 |
| Tax Provision | $94,000,000 | $102,000,000 | $231,000,000 | $76,000,000 |
| Selling General And Administration | $1,030,000,000 | $1,044,000,000 | $1,028,000,000 | $959,000,000 |
| Salaries And Wages | $880,000,000 | $897,000,000 | $867,000,000 | $779,000,000 |
| Occupancy And Equipment | $23,000,000 | $22,000,000 | $22,000,000 | $23,000,000 |
| Write Off | - | - | - | $0 |
| Normalized EBITDA (Bullshit earnings) | - | - | - | - |
| EBITDA (Bullshit earnings) | - | - | - | - |
| EBIT | - | - | - | - |
| Gain On Sale Of Business | - | - | - | - |
| Gain On Sale Of Security | - | - | - | - |
| Provision For Doubtful Accounts | - | - | - | - |
| Other Gand A | - | - | - | - |
Fetched: 2026-06-10
Balance Sheet (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $2,611,000,000 | $2,305,000,000 | $2,156,000,000 | $1,466,000,000 |
| Total Assets | $22,663,000,000 | $22,891,000,000 | $23,141,000,000 | $25,407,000,000 |
| Goodwill And Other Intangible Assets | $716,000,000 | $746,000,000 | $762,000,000 | $799,000,000 |
| Other Intangible Assets | $82,000,000 | $112,000,000 | $128,000,000 | $165,000,000 |
| Receivables | $148,000,000 | $145,000,000 | $144,000,000 | $164,000,000 |
| Accounts Receivable | $148,000,000 | $145,000,000 | $144,000,000 | $164,000,000 |
| Cash And Cash Equivalents | $3,604,000,000 | $3,679,000,000 | $3,590,000,000 | $3,891,000,000 |
| Cash Cash Equivalents And Federal Funds Sold | $3,628,000,000 | $3,714,000,000 | $3,616,000,000 | $3,927,000,000 |
| Total Non Current Assets | - | - | - | - |
| Non Current Deferred Assets | - | - | - | - |
| Non Current Deferred Taxes Assets | - | - | - | - |
| Investmentin Financial Assets | - | - | - | - |
| Current Assets | - | - | - | - |
| Other Current Assets | - | - | - | - |
| Restricted Cash | - | - | - | - |
| Loans Receivable | - | - | - | - |
| Cash Cash Equivalents And Short Term Investments | - | - | - | - |
| Debt | ||||
| Net Debt | $704,000,000 | $1,878,000,000 | $1,702,000,000 | $4,116,000,000 |
| Total Debt | $4,393,000,000 | $5,685,000,000 | $5,440,000,000 | $8,133,000,000 |
| Long Term Debt And Capital Lease Obligation | $4,393,000,000 | $5,685,000,000 | $5,440,000,000 | $8,133,000,000 |
| Long Term Debt | $4,308,000,000 | $5,557,000,000 | $5,292,000,000 | $8,007,000,000 |
| Current Debt And Capital Lease Obligation | $0 | $0 | $0 | $0 |
| Current Debt | $0 | $0 | $0 | $0 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $19,336,000,000 | $19,840,000,000 | $20,223,000,000 | $23,142,000,000 |
| Payables And Accrued Expenses | $768,000,000 | $871,000,000 | $981,000,000 | $1,010,000,000 |
| Payables | $478,000,000 | $576,000,000 | $708,000,000 | $704,000,000 |
| Total Tax Payable | $189,000,000 | $250,000,000 | $286,000,000 | $306,000,000 |
| Income Tax Payable | $189,000,000 | $250,000,000 | $286,000,000 | $306,000,000 |
| Accounts Payable | $289,000,000 | $326,000,000 | $422,000,000 | $398,000,000 |
| Total Non Current Liabilities Net Minority Interest | - | - | - | - |
| Non Current Deferred Liabilities | - | - | - | - |
| Non Current Deferred Taxes Liabilities | - | - | - | - |
| Current Liabilities | - | - | - | - |
| Other Current Liabilities | - | - | - | - |
| Equity | ||||
| Common Stock Equity | $3,327,000,000 | $3,051,000,000 | $2,918,000,000 | $2,265,000,000 |
| Total Equity Gross Minority Interest | $3,327,000,000 | $3,051,000,000 | $2,918,000,000 | $2,265,000,000 |
| Stockholders Equity | $3,327,000,000 | $3,051,000,000 | $2,918,000,000 | $2,265,000,000 |
| Gains Losses Not Affecting Retained Earnings | $-16,000,000 | $-22,000,000 | $-19,000,000 | $-21,000,000 |
| Retained Earnings | $1,475,000,000 | $999,000,000 | $767,000,000 | $93,000,000 |
| Long Term Equity Investment | $63,000,000 | $49,000,000 | $0 | $6,000,000 |
| Other | ||||
| Ordinary Shares Number | $44,100,000 | $49,100,000 | $49,300,000 | $49,900,000 |
| Share Issued | $44,100,000 | $49,100,000 | $49,300,000 | $49,900,000 |
| Tangible Book Value | $2,611,000,000 | $2,305,000,000 | $2,156,000,000 | $1,466,000,000 |
| Invested Capital | $7,635,000,000 | $8,608,000,000 | $8,210,000,000 | $10,272,000,000 |
| Capital Lease Obligations | $85,000,000 | $128,000,000 | $148,000,000 | $126,000,000 |
| Total Capitalization | $7,635,000,000 | $8,608,000,000 | $8,210,000,000 | $10,272,000,000 |
| Additional Paid In Capital | $1,868,000,000 | $2,073,000,000 | $2,169,000,000 | $2,192,000,000 |
| Capital Stock | $0 | $1,000,000 | $1,000,000 | $1,000,000 |
| Preferred Stock | $0 | $0 | - | - |
| Long Term Capital Lease Obligation | $85,000,000 | $128,000,000 | $148,000,000 | $126,000,000 |
| Line Of Credit | $0 | $0 | $0 | $0 |
| Current Accrued Expenses | $290,000,000 | $295,000,000 | $273,000,000 | $306,000,000 |
| Investments And Advances | $284,000,000 | $266,000,000 | $253,000,000 | $227,000,000 |
| Available For Sale Securities | $50,000,000 | $47,000,000 | $82,000,000 | $126,000,000 |
| Goodwill | $634,000,000 | $634,000,000 | $634,000,000 | $634,000,000 |
| Net PPE | $180,000,000 | $229,000,000 | $265,000,000 | $283,000,000 |
| Gross PPE | $180,000,000 | $229,000,000 | $265,000,000 | $570,000,000 |
| Other Properties | $63,000,000 | $87,000,000 | $98,000,000 | $88,000,000 |
| Properties | $117,000,000 | $142,000,000 | $167,000,000 | $482,000,000 |
| Common Stock | - | $1,000,000 | $1,000,000 | $1,000,000 |
| Treasury Shares Number | - | - | $0 | - |
| Accumulated Depreciation | - | - | $-343,000,000 | $-287,000,000 |
| Construction In Progress | - | - | - | $9,000,000 |
| Machinery Furniture Equipment | - | - | - | $401,000,000 |
| Working Capital | - | - | - | - |
| Treasury Stock | - | - | - | - |
| Other Investments | - | - | - | - |
| Land And Improvements | - | - | - | - |
| Other Short Term Investments | - | - | - | - |
Fetched: 2026-06-10
Cash Flow Statement (Annual)
| Metric | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $2,092,000,000 | $1,859,000,000 | $1,987,000,000 | $1,848,000,000 |
| Operating Activities | ||||
| Operating Cash Flow | $2,092,000,000 | $1,859,000,000 | $1,987,000,000 | $1,848,000,000 |
| Cash Flow From Continuing Operating Activities | $2,092,000,000 | $1,859,000,000 | $1,987,000,000 | $1,848,000,000 |
| Operating Gains Losses | $71,000,000 | $106,000,000 | $-223,000,000 | - |
| Investing Activities | ||||
| Investing Cash Flow | $-1,371,000,000 | $-1,169,000,000 | $788,000,000 | $-5,111,000,000 |
| Cash Flow From Continuing Investing Activities | $-1,371,000,000 | $-1,169,000,000 | $788,000,000 | $-5,111,000,000 |
| Net Other Investing Changes | $-24,000,000 | $-36,000,000 | $-48,000,000 | $-72,000,000 |
| Capital Expenditure | - | - | - | $-68,000,000 |
| Capital Expenditure Reported | - | - | - | $-68,000,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-313,000,000 | $-55,000,000 | $-35,000,000 | $-12,000,000 |
| Issuance Of Capital Stock | $71,000,000 | $0 | $0 | - |
| Financing Cash Flow | $-807,000,000 | $-592,000,000 | $-3,086,000,000 | $3,267,000,000 |
| Cash Flow From Continuing Financing Activities | $-807,000,000 | $-592,000,000 | $-3,086,000,000 | $3,267,000,000 |
| Net Other Financing Charges | $-41,000,000 | $-22,000,000 | $-104,000,000 | $-16,000,000 |
| Cash Dividends Paid | $-42,000,000 | $-43,000,000 | $-42,000,000 | $-43,000,000 |
| Common Stock Dividend Paid | $-42,000,000 | $-43,000,000 | $-42,000,000 | $-43,000,000 |
| Net Preferred Stock Issuance | $71,000,000 | $0 | $0 | - |
| Preferred Stock Issuance | $71,000,000 | $0 | $0 | - |
| Net Common Stock Issuance | $-313,000,000 | $-55,000,000 | $-35,000,000 | $-12,000,000 |
| Common Stock Issuance | - | - | - | - |
| Other | ||||
| Repayment Of Debt | $-3,142,000,000 | $-2,621,000,000 | $-6,689,000,000 | $-3,906,000,000 |
| Issuance Of Debt | $1,825,000,000 | $2,690,000,000 | $3,993,000,000 | $4,466,000,000 |
| Interest Paid Supplemental Data | $868,000,000 | $922,000,000 | $861,000,000 | $466,000,000 |
| Income Tax Paid Supplemental Data | $53,000,000 | $227,000,000 | $292,000,000 | $338,000,000 |
| End Cash Position | $3,628,000,000 | $3,714,000,000 | $3,616,000,000 | $3,927,000,000 |
| Beginning Cash Position | $3,714,000,000 | $3,616,000,000 | $3,927,000,000 | $3,923,000,000 |
| Changes In Cash | $-86,000,000 | $98,000,000 | $-311,000,000 | $4,000,000 |
| Common Stock Payments | $-313,000,000 | $-55,000,000 | $-35,000,000 | $-12,000,000 |
| Net Issuance Payments Of Debt | $-1,317,000,000 | $69,000,000 | $-2,696,000,000 | $560,000,000 |
| Net Long Term Debt Issuance | $-1,317,000,000 | $69,000,000 | $-2,696,000,000 | $560,000,000 |
| Long Term Debt Payments | $-3,142,000,000 | $-2,621,000,000 | $-6,689,000,000 | $-3,906,000,000 |
| Long Term Debt Issuance | $1,825,000,000 | $2,690,000,000 | $3,993,000,000 | $4,466,000,000 |
| Net Investment Purchase And Sale | $-2,000,000 | $-17,000,000 | $-36,000,000 | $-13,000,000 |
| Sale Of Investment | $20,000,000 | $14,000,000 | $14,000,000 | $30,000,000 |
| Purchase Of Investment | $-22,000,000 | $-31,000,000 | $-50,000,000 | $-43,000,000 |
| Change In Working Capital | $-39,000,000 | $-67,000,000 | $28,000,000 | $-47,000,000 |
| Change In Other Current Liabilities | $-96,000,000 | $-109,000,000 | $0 | $87,000,000 |
| Change In Other Current Assets | $57,000,000 | $42,000,000 | $28,000,000 | $-134,000,000 |
| Other Non Cash Items | $-17,000,000 | $-26,000,000 | $25,000,000 | $67,000,000 |
| Stock Based Compensation | $56,000,000 | $54,000,000 | $44,000,000 | $33,000,000 |
| Deferred Tax | $90,000,000 | $-85,000,000 | $-68,000,000 | $-245,000,000 |
| Deferred Income Tax | $90,000,000 | $-85,000,000 | $-68,000,000 | $-245,000,000 |
| Depreciation Amortization Depletion | $80,000,000 | $90,000,000 | $116,000,000 | $113,000,000 |
| Depreciation And Amortization | $80,000,000 | $90,000,000 | $116,000,000 | $113,000,000 |
| Net Income From Continuing Operations | $518,000,000 | $277,000,000 | $718,000,000 | $223,000,000 |
| Net Business Purchase And Sale | - | - | $0 | $0 |
| Purchase Of Business | - | - | $0 | $0 |
| Effect Of Exchange Rate Changes | - | - | - | $0 |
| Asset Impairment Charge | - | - | - | $0 |
| Sale Of Business | - | - | - | - |
| Provisionand Write Offof Assets | - | - | - | - |
| Gain Loss On Sale Of Business | - | - | - | - |
Fetched: 2026-06-10