Bread Financial Holdings Statistics

Total Valuation

BFH has a market cap or net worth of $2.40 billion. The enterprise value is $3.31 billion.

Market Cap	2.40B
Enterprise Value	3.31B

Important Dates

The next estimated earnings date is Thursday, July 24, 2025, before market open.

Earnings Date	Jul 24, 2025
Ex-Dividend Date	May 9, 2025

Share Statistics

BFH has 46.55 million shares outstanding. The number of shares has increased by 0.95% in one year.

Current Share Class	46.55M
Shares Outstanding	46.55M
Shares Change (YoY)	+0.95%
Shares Change (QoQ)	-2.55%
Owned by Insiders (%)	0.88%
Owned by Institutions (%)	107.88%
Float	46.11M

Valuation Ratios

The trailing PE ratio is 9.26 and the forward PE ratio is 7.51.

PE Ratio	9.26
Forward PE	7.51
PS Ratio	1.04
Forward PS	0.60
PB Ratio	0.80
P/TBV Ratio	1.03
P/FCF Ratio	1.33
P/OCF Ratio	1.33
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	11.78
EV / Sales	1.35
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	1.83

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	2.84
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 9.38%.

Return on Equity (ROE)	9.38%
Return on Assets (ROA)	1.28%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	$407,500
Profits Per Employee	$46,833
Employee Count	6,000
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, BFH has paid $104.00 million in taxes.

Income Tax	104.00M
Effective Tax Rate	26.67%

Stock Price Statistics

The stock price has increased by +24.69% in the last 52 weeks. The beta is 1.39, so BFH's price volatility has been higher than the market average.

Beta (5Y)	1.39
52-Week Price Change	+24.69%
50-Day Moving Average	49.32
200-Day Moving Average	54.33
Relative Strength Index (RSI)	52.36
Average Volume (20 Days)	697,586

Short Selling Information

The latest short interest is 4.23 million, so 9.09% of the outstanding shares have been sold short.

Short Interest	4.23M
Short Previous Month	3.14M
Short % of Shares Out	9.09%
Short % of Float	9.17%
Short Ratio (days to cover)	4.37

Income Statement

In the last 12 months, BFH had revenue of $2.45 billion and earned $281.00 million in profits. Earnings per share was $5.57.

Revenue	2.45B
Gross Profit	2.45B
Operating Income	497.00M
Pretax Income	607.00M
Net Income	281.00M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$5.57

Full Income Statement

Balance Sheet

The company has $4.21 billion in cash and $5.12 billion in debt, giving a net cash position of -$909.00 million or -$19.53 per share.

Cash & Cash Equivalents	4.21B
Total Debt	5.12B
Net Cash	-909.00M
Net Cash Per Share	-$19.53
Equity (Book Value)	3.07B
Book Value Per Share	64.45
Working Capital	-11.29B

Full Balance Sheet

Cash Flow

Operating Cash Flow	1.81B
Capital Expenditures	n/a
Free Cash Flow	1.81B
FCF Per Share	$38.78

Full Cash Flow Statement

Margins

Gross Margin	n/a
Operating Margin	20.33%
Pretax Margin	15.95%
Profit Margin	11.49%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	73.82%

Dividends & Yields

This stock pays an annual dividend of $0.84, which amounts to a dividend yield of 1.63%.

Dividend Per Share	$0.84
Dividend Yield	1.63%
Dividend Growth (YoY)	n/a
Years of Dividend Growth	n/a
Payout Ratio	15.09%
Buyback Yield	-0.95%
Shareholder Yield	0.69%
Earnings Yield	11.71%
FCF Yield	75.21%

Dividend Details

Analyst Forecast

The average price target for BFH is $59.77, which is 15.92% higher than the current price. The consensus rating is "Hold".

Price Target	$59.77
Price Target Difference	15.92%
Analyst Consensus	Hold
Analyst Count	15
Revenue Growth Forecast (5Y)	13.70%
EPS Growth Forecast (5Y)	5.12%

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