Bread Financial Holdings Statistics
Total Valuation
BFH has a market cap or net worth of $3.14 billion. The enterprise value is $3.18 billion.
| Market Cap | 3.14B |
| Enterprise Value | 3.18B |
Important Dates
The next confirmed earnings date is Thursday, January 29, 2026, before market open.
| Earnings Date | Jan 29, 2026 |
| Ex-Dividend Date | Nov 7, 2025 |
Share Statistics
BFH has 45.66 million shares outstanding. The number of shares has decreased by -2.65% in one year.
| Current Share Class | 45.66M |
| Shares Outstanding | 45.66M |
| Shares Change (YoY) | -2.65% |
| Shares Change (QoQ) | +0.64% |
| Owned by Insiders (%) | 0.92% |
| Owned by Institutions (%) | 107.94% |
| Float | 45.22M |
Valuation Ratios
The trailing PE ratio is 7.11 and the forward PE ratio is 7.68. BFH's PEG ratio is 0.46.
| PE Ratio | 7.11 |
| Forward PE | 7.68 |
| PS Ratio | 1.33 |
| Forward PS | 0.80 |
| PB Ratio | 0.96 |
| P/TBV Ratio | 1.22 |
| P/FCF Ratio | 1.58 |
| P/OCF Ratio | 1.58 |
| PEG Ratio | 0.46 |
Enterprise Valuation
| EV / Earnings | 6.76 |
| EV / Sales | 1.27 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 1.59 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 1.89 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 14.78%.
| Return on Equity (ROE) | 14.78% |
| Return on Assets (ROA) | 2.19% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 5.20% |
| Revenue Per Employee | $358,429 |
| Profits Per Employee | $67,286 |
| Employee Count | 7,000 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, BFH has paid $66.00 million in taxes.
| Income Tax | 66.00M |
| Effective Tax Rate | 12.20% |
Stock Price Statistics
The stock price has increased by +8.53% in the last 52 weeks. The beta is 1.31, so BFH's price volatility has been higher than the market average.
| Beta (5Y) | 1.31 |
| 52-Week Price Change | +8.53% |
| 50-Day Moving Average | 71.82 |
| 200-Day Moving Average | 61.16 |
| Relative Strength Index (RSI) | 42.48 |
| Average Volume (20 Days) | 906,404 |
Short Selling Information
The latest short interest is 4.30 million, so 9.42% of the outstanding shares have been sold short.
| Short Interest | 4.30M |
| Short Previous Month | 5.35M |
| Short % of Shares Out | 9.42% |
| Short % of Float | 9.51% |
| Short Ratio (days to cover) | 5.97 |
Income Statement
In the last 12 months, BFH had revenue of $2.51 billion and earned $471.00 million in profits. Earnings per share was $9.68.
| Revenue | 2.51B |
| Gross Profit | 2.51B |
| Operating Income | 562.00M |
| Pretax Income | 541.00M |
| Net Income | 471.00M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $9.68 |
Balance Sheet
The company has $3.76 billion in cash and $3.79 billion in debt, with a net cash position of -$23.00 million or -$0.50 per share.
| Cash & Cash Equivalents | 3.76B |
| Total Debt | 3.79B |
| Net Cash | -23.00M |
| Net Cash Per Share | -$0.50 |
| Equity (Book Value) | 3.32B |
| Book Value Per Share | 72.11 |
| Working Capital | -10.72B |
Cash Flow
| Operating Cash Flow | 2.00B |
| Capital Expenditures | n/a |
| Free Cash Flow | 2.00B |
| FCF Per Share | $43.87 |
Margins
| Gross Margin | n/a |
| Operating Margin | 22.40% |
| Pretax Margin | 21.56% |
| Profit Margin | 18.77% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 79.83% |
Dividends & Yields
This stock pays an annual dividend of $0.92, which amounts to a dividend yield of 1.32%.
| Dividend Per Share | $0.92 |
| Dividend Yield | 1.32% |
| Dividend Growth (YoY) | 2.38% |
| Years of Dividend Growth | 1 |
| Payout Ratio | 8.88% |
| Buyback Yield | 2.65% |
| Shareholder Yield | 3.97% |
| Earnings Yield | 14.90% |
| FCF Yield | 63.35% |
Analyst Forecast
The average price target for BFH is $68.53, which is -0.19% lower than the current price. The consensus rating is "Hold".
| Price Target | $68.53 |
| Price Target Difference | -0.19% |
| Analyst Consensus | Hold |
| Analyst Count | 17 |
| Revenue Growth Forecast (5Y) | 11.55% |
| EPS Growth Forecast (5Y) | 7.20% |
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 |