Bread Financial Holdings, Inc. (BFH)

NYSE: BFH · Real-Time Price · USD

108.70

+0.38 (0.35%)

Aug 10, 2026, 11:33 AM EDT - Market open

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	Jun '26 Jun 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	2,669	2,603	2,441	3,060	2,232	2,728
Revenue Growth	8.89%	6.64%	-20.23%	37.10%	-18.18%	34.25%
Net Income	569	518	277	718	223	801
Earnings Per Share	12.82	10.89	5.49	14.34	4.46	16.02
EPS Growth	116.92%	98.36%	-61.71%	221.53%	-72.16%	259.19%

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 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	3,683	3,604	3,679	3,590	3,891	3,046
Total Debt	3,285	4,308	5,557	5,292	8,007	7,439
Net Cash (Debt)	398	-704	-1,878	-1,702	-4,116	-4,393
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	8.97	-14.79	-37.26	-34.04	-82.32	-87.86

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 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	2,193	2,092	1,859	1,987	1,848	1,543
Capital Expenditures	-23	-24	-36	-48	-72	-80
Free Cash Flow	2,170	2,068	1,823	1,939	1,776	1,463
Free Cash Flow Growth	18.45%	13.44%	-5.98%	9.18%	21.39%	-20.01%

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 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
Pretax Margin	9.10%	23.63%	15.61%	31.63%	13.44%	38.27%
Profit Margin	21.28%	20.02%	11.43%	24.09%	10.04%	29.22%
FCF Margin	81.30%	79.45%	74.68%	63.37%	79.57%	53.63%

Dividends

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 10, 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	0.920	0.860	0.840	0.840	0.840	0.840
Dividend Per Share Growth	9.52%	2.38%	0%	0%	0%	-33.33%
Dividend Yield	0.85%	1.21%	1.42%	2.56%	2.29%	1.27%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 10, 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	8.50	6.80	11.12	2.30	8.44	4.16
Forward PE	8.68	8.54	10.57	4.83	4.63	5.46
P/FCF Ratio	1.90	1.58	1.64	0.85	1.06	2.27
PS Ratio	1.56	1.25	1.23	0.54	0.84	1.22