Bread Financial Holdings, Inc. (BFH)

Bread Financial Holdings Statistics

Total Valuation

BFH has a market cap or net worth of $3.21 billion. The enterprise value is $4.00 billion.

Market Cap	3.21B
Enterprise Value	4.00B

Important Dates

The last earnings date was Thursday, January 29, 2026, before market open.

Earnings Date	Jan 29, 2026
Ex-Dividend Date	Feb 27, 2026

Share Statistics

BFH has 43.12 million shares outstanding. The number of shares has decreased by -5.56% in one year.

Current Share Class	43.12M
Shares Outstanding	43.12M
Shares Change (YoY)	-5.56%
Shares Change (QoQ)	-3.16%
Owned by Insiders (%)	0.98%
Owned by Institutions (%)	109.29%
Float	42.68M

Valuation Ratios

The trailing PE ratio is 6.83 and the forward PE ratio is 7.33. BFH's PEG ratio is 0.43.

PE Ratio	6.83
Forward PE	7.33
PS Ratio	1.23
Forward PS	0.80
PB Ratio	0.97
P/TBV Ratio	1.23
P/FCF Ratio	n/a
P/OCF Ratio	1.54
PEG Ratio	0.43

Enterprise Valuation

EV / Earnings	7.72
EV / Sales	1.54
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

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

Financial Efficiency

Return on equity (ROE) is 16.34%.

Return on Equity (ROE)	16.34%
Return on Assets (ROA)	2.29%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Weighted Average Cost of Capital (WACC)	4.67%
Revenue Per Employee	$371,857
Profits Per Employee	$74,000
Employee Count	7,000
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, BFH has paid $94.00 million in taxes.

Income Tax	94.00M
Effective Tax Rate	15.28%

Stock Price Statistics

The stock price has increased by +19.26% in the last 52 weeks. The beta is 1.24, so BFH's price volatility has been higher than the market average.

Beta (5Y)	1.24
52-Week Price Change	+19.26%
50-Day Moving Average	74.43
200-Day Moving Average	63.12
Relative Strength Index (RSI)	51.23
Average Volume (20 Days)	914,767

Short Selling Information

The latest short interest is 4.29 million, so 9.96% of the outstanding shares have been sold short.

Short Interest	4.29M
Short Previous Month	4.30M
Short % of Shares Out	9.96%
Short % of Float	10.06%
Short Ratio (days to cover)	4.32

Income Statement

In the last 12 months, BFH had revenue of $2.60 billion and earned $518.00 million in profits. Earnings per share was $10.90.

Revenue	2.60B
Gross Profit	2.60B
Operating Income	689.00M
Pretax Income	615.00M
Net Income	518.00M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	$10.90

Balance Sheet

The company has $3.60 billion in cash and $4.39 billion in debt, with a net cash position of -$789.00 million or -$18.30 per share.

Cash & Cash Equivalents	3.60B
Total Debt	4.39B
Net Cash	-789.00M
Net Cash Per Share	-$18.30
Equity (Book Value)	3.33B
Book Value Per Share	75.44
Working Capital	-12.05B

Cash Flow

Operating Cash Flow	2.09B
Capital Expenditures	n/a
Free Cash Flow	n/a
FCF Per Share	n/a

Margins

Gross Margin	n/a
Operating Margin	26.47%
Pretax Margin	23.63%
Profit Margin	19.90%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of $0.92, which amounts to a dividend yield of 1.24%.

Dividend Per Share	$0.92
Dividend Yield	1.24%
Dividend Growth (YoY)	4.76%
Years of Dividend Growth	1
Payout Ratio	8.08%
Buyback Yield	5.56%
Shareholder Yield	6.79%
Earnings Yield	16.13%
FCF Yield	n/a

Analyst Forecast

The average price target for BFH is $71.13, which is -4.43% lower than the current price. The consensus rating is "Hold".

Price Target	$71.13
Price Target Difference	-4.43%
Analyst Consensus	Hold
Analyst Count	18
Revenue Growth Forecast (5Y)	12.81%
EPS Growth Forecast (5Y)	n/a

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