Bread Financial Holdings Statistics
Total Valuation
BFH has a market cap or net worth of $3.00 billion. The enterprise value is $3.42 billion.
Important Dates
The next estimated earnings date is Thursday, October 23, 2025, before market open.
Earnings Date | Oct 23, 2025 |
Ex-Dividend Date | Aug 8, 2025 |
Share Statistics
BFH has 46.64 million shares outstanding. The number of shares has decreased by -0.40% in one year.
Current Share Class | 46.64M |
Shares Outstanding | 46.64M |
Shares Change (YoY) | -0.40% |
Shares Change (QoQ) | -4.84% |
Owned by Insiders (%) | 0.90% |
Owned by Institutions (%) | 105.63% |
Float | 46.20M |
Valuation Ratios
The trailing PE ratio is 11.15 and the forward PE ratio is 8.29.
PE Ratio | 11.15 |
Forward PE | 8.29 |
PS Ratio | 1.28 |
Forward PS | 0.76 |
PB Ratio | 0.95 |
P/TBV Ratio | 1.23 |
P/FCF Ratio | 1.62 |
P/OCF Ratio | 1.62 |
PEG Ratio | n/a |
Financial Ratio History Enterprise Valuation
EV / Earnings | 12.01 |
EV / Sales | 1.40 |
EV / EBITDA | n/a |
EV / EBIT | n/a |
EV / FCF | 1.85 |
Financial Position
Current Ratio | n/a |
Quick Ratio | n/a |
Debt / Equity | n/a |
Debt / EBITDA | n/a |
Debt / FCF | 2.28 |
Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 9.15%.
Return on Equity (ROE) | 9.15% |
Return on Assets (ROA) | 1.32% |
Return on Invested Capital (ROIC) | n/a |
Return on Capital Employed (ROCE) | n/a |
Revenue Per Employee | $350,286 |
Profits Per Employee | $40,714 |
Employee Count | 7,000 |
Asset Turnover | n/a |
Inventory Turnover | n/a |
Taxes
In the past 12 months, BFH has paid $93.00 million in taxes.
Income Tax | 93.00M |
Effective Tax Rate | 24.28% |
Stock Price Statistics
The stock price has increased by +15.67% in the last 52 weeks. The beta is 1.48, so BFH's price volatility has been higher than the market average.
Beta (5Y) | 1.48 |
52-Week Price Change | +15.67% |
50-Day Moving Average | 61.63 |
200-Day Moving Average | 56.73 |
Relative Strength Index (RSI) | 54.71 |
Average Volume (20 Days) | 495,618 |
Short Selling Information
The latest short interest is 4.34 million, so 9.31% of the outstanding shares have been sold short.
Short Interest | 4.34M |
Short Previous Month | 3.88M |
Short % of Shares Out | 9.31% |
Short % of Float | 9.40% |
Short Ratio (days to cover) | 6.62 |
Income Statement
In the last 12 months, BFH had revenue of $2.45 billion and earned $285.00 million in profits. Earnings per share was $5.76.
Revenue | 2.45B |
Gross Profit | 2.45B |
Operating Income | 490.00M |
Pretax Income | 607.00M |
Net Income | 285.00M |
EBITDA | n/a |
EBIT | n/a |
Earnings Per Share (EPS) | $5.76 |
Full Income Statement Balance Sheet
The company has $3.80 billion in cash and $4.23 billion in debt, giving a net cash position of -$428.00 million or -$9.18 per share.
Cash & Cash Equivalents | 3.80B |
Total Debt | 4.23B |
Net Cash | -428.00M |
Net Cash Per Share | -$9.18 |
Equity (Book Value) | 3.17B |
Book Value Per Share | 67.94 |
Working Capital | -9.16B |
Full Balance Sheet Cash Flow
Operating Cash Flow | 1.85B |
Capital Expenditures | n/a |
Free Cash Flow | 1.85B |
FCF Per Share | $39.75 |
Full Cash Flow Statement Margins
Gross Margin | n/a |
Operating Margin | 19.98% |
Pretax Margin | 15.62% |
Profit Margin | 11.62% |
EBITDA Margin | n/a |
EBIT Margin | n/a |
FCF Margin | 75.61% |
Dividends & Yields
This stock pays an annual dividend of $0.84, which amounts to a dividend yield of 1.31%.
Dividend Per Share | $0.84 |
Dividend Yield | 1.31% |
Dividend Growth (YoY) | n/a |
Years of Dividend Growth | n/a |
Payout Ratio | 14.58% |
Buyback Yield | 0.40% |
Shareholder Yield | 1.71% |
Earnings Yield | 9.51% |
FCF Yield | 61.90% |
Dividend Details Analyst Forecast
The average price target for BFH is $60.17, which is -6.31% lower than the current price. The consensus rating is "Hold".
Price Target | $60.17 |
Price Target Difference | -6.31% |
Analyst Consensus | Hold |
Analyst Count | 13 |
Revenue Growth Forecast (5Y) | 13.59% |
EPS Growth Forecast (5Y) | 4.66% |
Stock Forecasts Fair Value
There are several formulas that can be used to estimate the intrinsic value of a stock.
Lynch Fair Value | |
Lynch Upside | |
Graham Number | |
Graham Upside | |
Stock Splits
This stock does not have any record of stock splits.
Last Split Date | n/a |
Split Type | n/a |
Split Ratio | n/a |
Scores
Altman Z-Score | n/a |
Piotroski F-Score | 4 |