Bread Financial Holdings Statistics
Total Valuation
BFH has a market cap or net worth of $3.13 billion. The enterprise value is $3.92 billion.
| Market Cap | 3.13B |
| Enterprise Value | 3.92B |
Important Dates
The next estimated earnings date is Thursday, April 23, 2026, before market open.
| Earnings Date | Apr 23, 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 (%) | 1.33% |
| Owned by Institutions (%) | 109.38% |
| Float | 42.52M |
Valuation Ratios
The trailing PE ratio is 6.62 and the forward PE ratio is 7.15. BFH's PEG ratio is 0.42.
| PE Ratio | 6.62 |
| Forward PE | 7.15 |
| PS Ratio | 1.20 |
| Forward PS | 0.78 |
| PB Ratio | 0.96 |
| P/TBV Ratio | 1.20 |
| P/FCF Ratio | 1.50 |
| P/OCF Ratio | 1.50 |
| PEG Ratio | 0.42 |
Enterprise Valuation
| EV / Earnings | 7.57 |
| EV / Sales | 1.51 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 1.87 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 2.10 |
| 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) | 4.52% |
| Revenue Per Employee | $433,833 |
| Profits Per Employee | $86,333 |
| Employee Count | 6,000 |
| 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 +49.12% in the last 52 weeks. The beta is 1.20, so BFH's price volatility has been higher than the market average.
| Beta (5Y) | 1.20 |
| 52-Week Price Change | +49.12% |
| 50-Day Moving Average | 73.92 |
| 200-Day Moving Average | 64.63 |
| Relative Strength Index (RSI) | 47.92 |
| Average Volume (20 Days) | 747,414 |
Short Selling Information
The latest short interest is 4.21 million, so 9.77% of the outstanding shares have been sold short.
| Short Interest | 4.21M |
| Short Previous Month | 4.64M |
| Short % of Shares Out | 9.77% |
| Short % of Float | 9.90% |
| Short Ratio (days to cover) | 4.19 |
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 | 2.09B |
| FCF Per Share | $48.52 |
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 | 80.37% |
Dividends & Yields
This stock pays an annual dividend of $0.92, which amounts to a dividend yield of 1.27%.
| Dividend Per Share | $0.92 |
| Dividend Yield | 1.27% |
| Dividend Growth (YoY) | 4.76% |
| Years of Dividend Growth | 1 |
| Payout Ratio | 8.08% |
| Buyback Yield | 5.56% |
| Shareholder Yield | 6.82% |
| Earnings Yield | 16.55% |
| FCF Yield | 66.84% |
Analyst Forecast
The average price target for BFH is $71.13, which is -2.01% lower than the current price. The consensus rating is "Hold".
| Price Target | $71.13 |
| Price Target Difference | -2.01% |
| Analyst Consensus | Hold |
| Analyst Count | 18 |
| Revenue Growth Forecast (5Y) | 11.21% |
| 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 |