Bread Financial Holdings, Inc. (BFH)

NYSE: BFH · Real-Time Price · USD

107.16

+3.75 (3.63%)

At close: Nov 2, 2026, 4:00 PM EST

107.16

0.00 (0.00%)

After-hours: Nov 2, 2026, 4:15 PM EST

Bread Financial Holdings Financials Overview

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	2,692	2,603	2,441	3,060	2,232	2,728
Revenue Growth	7.29%	6.64%	-20.23%	37.10%	-18.18%	34.25%
Net Income	527	518	277	718	223	801
Earnings Per Share	12.47	10.90	5.50	14.36	4.45	16.03
EPS Growth	28.81%	98.11%	-61.70%	222.70%	-72.24%	258.19%

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	3,961	3,604	3,679	3,590	3,891	3,046
Total Debt	3,134	4,393	5,685	5,440	8,133	7,579
Net Cash (Debt)	827	-789	-2,006	-1,850	-4,242	-4,533
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	19.56	-16.58	-39.80	-37.00	-84.84	-90.66

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Operating Cash Flow	2,189	2,092	1,859	1,987	1,848	1,543
Capital Expenditures	-	-	-	-	-	-
Free Cash Flow	2,189	2,092	1,859	1,987	1,848	1,543
Free Cash Flow Growth	9.29%	12.53%	-6.44%	7.52%	19.77%	-15.64%

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Profit Margin	19.58%	19.90%	11.35%	23.46%	9.99%	29.36%
FCF Margin	81.31%	80.37%	76.16%	64.94%	82.80%	56.56%

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 2, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Dividend Per Share	1.000	0.860	0.840	0.840	0.840	0.840
Dividend Per Share Growth	9.30%	2.38%	0%	0%	0%	-33.33%
Dividend Yield	0.93%	1.12%	1.36%	2.55%	2.23%	1.26%

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Nov '26 Nov 2, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	8.59	6.53	10.96	2.26	8.42	4.14
Forward PE	7.91	8.54	10.57	4.83	4.63	5.46
P/FCF Ratio	1.84	1.62	1.63	0.82	1.02	2.15
PS Ratio	1.49	1.30	1.24	0.53	0.84	1.22