Bread Financial Holdings Statistics
Total Valuation
BFH has a market cap or net worth of $4.18 billion. The enterprise value is $3.78 billion.
| Market Cap | 4.18B |
| Enterprise Value | 3.78B |
Important Dates
The last earnings date was Thursday, July 23, 2026, before market open.
| Earnings Date | Jul 23, 2026 |
| Ex-Dividend Date | Aug 31, 2026 |
Share Statistics
BFH has 38.42 million shares outstanding. The number of shares has decreased by -10.68% in one year.
| Current Share Class | 38.42M |
| Shares Outstanding | 38.42M |
| Shares Change (YoY) | -10.68% |
| Shares Change (QoQ) | -5.79% |
| Owned by Insiders (%) | 1.63% |
| Owned by Institutions (%) | 109.55% |
| Float | 36.59M |
Valuation Ratios
The trailing PE ratio is 8.50 and the forward PE ratio is 8.68. BFH's PEG ratio is 0.67.
| PE Ratio | 8.50 |
| Forward PE | 8.68 |
| PS Ratio | 1.56 |
| Forward PS | 1.02 |
| PB Ratio | 1.25 |
| P/TBV Ratio | 1.56 |
| P/FCF Ratio | 1.90 |
| P/OCF Ratio | 1.90 |
| PEG Ratio | 0.67 |
Enterprise Valuation
| EV / Earnings | 6.65 |
| EV / Sales | 1.41 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 1.72 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 1.50 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 17.42%.
| Return on Equity (ROE) | 17.42% |
| Return on Assets (ROA) | 2.57% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 5.87% |
| Revenue Per Employee | $444,667 |
| Profits Per Employee | $94,333 |
| Employee Count | 6,000 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, BFH has paid $114.00 million in taxes.
| Income Tax | 114.00M |
| Effective Tax Rate | 16.69% |
Stock Price Statistics
The stock price has increased by +84.77% in the last 52 weeks. The beta is 1.14, so BFH's price volatility has been higher than the market average.
| Beta (5Y) | 1.14 |
| 52-Week Price Change | +84.77% |
| 50-Day Moving Average | 101.57 |
| 200-Day Moving Average | 81.60 |
| Relative Strength Index (RSI) | 55.85 |
| Average Volume (20 Days) | 588,043 |
Short Selling Information
The latest short interest is 9,971, so 0.03% of the outstanding shares have been sold short.
| Short Interest | 9,971 |
| Short Previous Month | 14,160 |
| Short % of Shares Out | 0.03% |
| Short % of Float | 0.03% |
| Short Ratio (days to cover) | 0.01 |
Income Statement
In the last 12 months, BFH had revenue of $2.67 billion and earned $566.00 million in profits. Earnings per share was $12.76.
| Revenue | 2.67B |
| Gross Profit | 2.67B |
| Operating Income | 744.00M |
| Pretax Income | 683.00M |
| Net Income | 566.00M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $12.76 |
Balance Sheet
The company has $3.68 billion in cash and $3.29 billion in debt, with a net cash position of $398.00 million or $10.36 per share.
| Cash & Cash Equivalents | 3.68B |
| Total Debt | 3.29B |
| Net Cash | 398.00M |
| Net Cash Per Share | $10.36 |
| Equity (Book Value) | 3.37B |
| Book Value Per Share | 86.95 |
| Working Capital | -12.04B |
Cash Flow
In the last 12 months, operating cash flow was $2.19 billion and capital expenditures -$23.00 million, giving a free cash flow of $2.19 billion.
| Operating Cash Flow | 2.19B |
| Capital Expenditures | -23.00M |
| Depreciation & Amortization | n/a |
| Net Borrowing | -1.00B |
| Free Cash Flow | 2.19B |
| FCF Per Share | $57.08 |
Margins
| Gross Margin | n/a |
| Operating Margin | 27.89% |
| Pretax Margin | 25.60% |
| Profit Margin | 21.36% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 82.20% |
Dividends & Yields
This stock pays an annual dividend of $0.92, which amounts to a dividend yield of 0.85%.
| Dividend Per Share | $0.92 |
| Dividend Yield | 0.85% |
| Dividend Growth (YoY) | 9.52% |
| Years of Dividend Growth | 1 |
| Payout Ratio | 7.21% |
| Buyback Yield | 10.68% |
| Shareholder Yield | 11.52% |
| Earnings Yield | 13.60% |
| FCF Yield | 52.70% |
Analyst Forecast
The average price target for BFH is $113.53, which is 4.44% higher than the current price. The consensus rating is "Buy".
| Price Target | $113.53 |
| Price Target Difference | 4.44% |
| Analyst Consensus | Buy |
| Analyst Count | 17 |
| Revenue Growth Forecast (3Y) | 4.01% |
| EPS Growth Forecast (3Y) | 7.74% |
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 |