Bread Financial Holdings, Inc. (BFH)

Bread Financial Holdings Statistics

Total Valuation

BFH has a market cap or net worth of $2.95 billion. The enterprise value is $3.37 billion.

Market Cap	2.95B
Enterprise Value	3.37B

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 10.78 and the forward PE ratio is 8.15.

PE Ratio	10.78
Forward PE	8.15
PS Ratio	1.25
Forward PS	0.75
PB Ratio	0.93
P/TBV Ratio	1.21
P/FCF Ratio	1.59
P/OCF Ratio	1.59
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	11.84
EV / Sales	1.38
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	1.82

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 +35.09% 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	+35.09%
50-Day Moving Average	61.95
200-Day Moving Average	56.82
Relative Strength Index (RSI)	50.03
Average Volume (20 Days)	518,562

Short Selling Information

The latest short interest is 4.39 million, so 9.41% of the outstanding shares have been sold short.

Short Interest	4.39M
Short Previous Month	4.16M
Short % of Shares Out	9.41%
Short % of Float	9.50%
Short Ratio (days to cover)	7.69

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

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

Cash Flow

Operating Cash Flow	1.85B
Capital Expenditures	n/a
Free Cash Flow	1.85B
FCF Per Share	$39.75

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 1.33%.

Dividend Per Share	$0.84
Dividend Yield	1.33%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	14.58%
Buyback Yield	0.40%
Shareholder Yield	1.73%
Earnings Yield	9.67%
FCF Yield	62.91%

Analyst Forecast

The average price target for BFH is $60.17, which is -4.76% lower than the current price. The consensus rating is "Hold".

Price Target	$60.17
Price Target Difference	-4.76%
Analyst Consensus	Hold
Analyst Count	13
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