Bread Financial Holdings Statistics
Total Valuation
BFH has a market cap or net worth of $3.81 billion. The enterprise value is $4.05 billion.
| Market Cap | 3.81B |
| Enterprise Value | 4.05B |
Important Dates
The next estimated earnings date is Thursday, July 23, 2026, before market open.
| Earnings Date | Jul 23, 2026 |
| Ex-Dividend Date | May 29, 2026 |
Share Statistics
BFH has 40.41 million shares outstanding. The number of shares has decreased by -8.69% in one year.
| Current Share Class | 40.41M |
| Shares Outstanding | 40.41M |
| Shares Change (YoY) | -8.69% |
| Shares Change (QoQ) | -6.09% |
| Owned by Insiders (%) | 1.50% |
| Owned by Institutions (%) | 108.97% |
| Float | 39.78M |
Valuation Ratios
The trailing PE ratio is 7.75 and the forward PE ratio is 8.81. BFH's PEG ratio is 0.88.
| PE Ratio | 7.75 |
| Forward PE | 8.81 |
| PS Ratio | 1.44 |
| Forward PS | 0.96 |
| PB Ratio | 1.17 |
| P/TBV Ratio | 1.45 |
| P/FCF Ratio | 1.74 |
| P/OCF Ratio | 1.74 |
| PEG Ratio | 0.88 |
Enterprise Valuation
| EV / Earnings | 7.24 |
| EV / Sales | 1.53 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 1.85 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 1.77 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 17.52%.
| Return on Equity (ROE) | 17.52% |
| Return on Assets (ROA) | 2.51% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 5.29% |
| Revenue Per Employee | $440,667 |
| Profits Per Employee | $93,167 |
| Employee Count | 6,000 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, BFH has paid $101.00 million in taxes.
| Income Tax | 101.00M |
| Effective Tax Rate | 15.28% |
Stock Price Statistics
The stock price has increased by +82.74% in the last 52 weeks. The beta is 1.17, so BFH's price volatility has been higher than the market average.
| Beta (5Y) | 1.17 |
| 52-Week Price Change | +82.74% |
| 50-Day Moving Average | 85.35 |
| 200-Day Moving Average | 72.64 |
| Relative Strength Index (RSI) | 64.91 |
| Average Volume (20 Days) | 618,378 |
Short Selling Information
The latest short interest is 200, so 0.00% of the outstanding shares have been sold short.
| Short Interest | 200 |
| Short Previous Month | 6,821 |
| Short % of Shares Out | 0.00% |
| Short % of Float | 0.00% |
| Short Ratio (days to cover) | n/a |
Income Statement
In the last 12 months, BFH had revenue of $2.64 billion and earned $559.00 million in profits. Earnings per share was $12.18.
| Revenue | 2.64B |
| Gross Profit | 2.64B |
| Operating Income | 735.00M |
| Pretax Income | 661.00M |
| Net Income | 559.00M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $12.18 |
Balance Sheet
The company has $3.64 billion in cash and $3.88 billion in debt, with a net cash position of -$241.00 million or -$5.96 per share.
| Cash & Cash Equivalents | 3.64B |
| Total Debt | 3.88B |
| Net Cash | -241.00M |
| Net Cash Per Share | -$5.96 |
| Equity (Book Value) | 3.33B |
| Book Value Per Share | 80.51 |
| Working Capital | -11.81B |
Cash Flow
| Operating Cash Flow | 2.19B |
| Capital Expenditures | n/a |
| Depreciation & Amortization | n/a |
| Net Borrowing | -1.32B |
| Free Cash Flow | 2.19B |
| FCF Per Share | $54.10 |
Margins
| Gross Margin | n/a |
| Operating Margin | 27.80% |
| Pretax Margin | 25.00% |
| Profit Margin | 21.22% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 82.68% |
Dividends & Yields
This stock pays an annual dividend of $0.92, which amounts to a dividend yield of 0.98%.
| Dividend Per Share | $0.92 |
| Dividend Yield | 0.98% |
| Dividend Growth (YoY) | 7.14% |
| Years of Dividend Growth | 1 |
| Payout Ratio | 7.39% |
| Buyback Yield | 8.69% |
| Shareholder Yield | 9.66% |
| Earnings Yield | 14.68% |
| FCF Yield | 57.42% |
Analyst Forecast
The average price target for BFH is $96.19, which is 2.09% higher than the current price. The consensus rating is "Buy".
| Price Target | $96.19 |
| Price Target Difference | 2.09% |
| Analyst Consensus | Buy |
| Analyst Count | 18 |
| Revenue Growth Forecast (3Y) | 3.17% |
| EPS Growth Forecast (3Y) | 4.13% |
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 |