Bread Financial Holdings, Inc. (BFH)

Bread Financial Holdings Statistics

Total Valuation

BFH has a market cap or net worth of $3.12 billion. The enterprise value is $3.12 billion.

Market Cap	3.12B
Enterprise Value	3.12B

Important Dates

The last earnings date was Thursday, October 23, 2025, before market open.

Earnings Date	Oct 23, 2025
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 (%)	108.14%
Float	45.22M

Valuation Ratios

The trailing PE ratio is 7.06 and the forward PE ratio is 7.80.

PE Ratio	7.06
Forward PE	7.80
PS Ratio	1.29
Forward PS	0.78
PB Ratio	0.94
P/TBV Ratio	1.19
P/FCF Ratio	1.54
P/OCF Ratio	1.54
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	6.61
EV / Sales	1.24
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	1.56

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
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 +16.25% in the last 52 weeks. The beta is 1.32, so BFH's price volatility has been higher than the market average.

Beta (5Y)	1.32
52-Week Price Change	+16.25%
50-Day Moving Average	61.17
200-Day Moving Average	56.66
Relative Strength Index (RSI)	67.65
Average Volume (20 Days)	688,378

Short Selling Information

The latest short interest is 5.40 million, so 11.82% of the outstanding shares have been sold short.

Short Interest	5.40M
Short Previous Month	5.16M
Short % of Shares Out	11.82%
Short % of Float	11.94%
Short Ratio (days to cover)	6.70

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	648.00M
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, giving 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	25.83%
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 1.35%.

Dividend Per Share	$0.92
Dividend Yield	1.35%
Dividend Growth (YoY)	2.38%
Years of Dividend Growth	n/a
Payout Ratio	8.88%
Buyback Yield	2.65%
Shareholder Yield	4.00%
Earnings Yield	15.23%
FCF Yield	64.77%

Analyst Forecast

The average price target for BFH is $65.29, which is -4.53% lower than the current price. The consensus rating is "Hold".

Price Target	$65.29
Price Target Difference	-4.53%
Analyst Consensus	Hold
Analyst Count	15
Revenue Growth Forecast (5Y)	13.59%
EPS Growth Forecast (5Y)	4.66%

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