Bread Financial Holdings, Inc. (BFH)

Bread Financial Holdings Statistics

Total Valuation

BFH has a market cap or net worth of $3.43 billion. The enterprise value is $3.67 billion.

Market Cap	3.43B
Enterprise Value	3.67B

Important Dates

The last earnings date was Thursday, April 23, 2026, before market open.

Earnings Date	Apr 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 (%)	1.54%
Owned by Institutions (%)	114.84%
Float	39.76M

Valuation Ratios

The trailing PE ratio is 6.98 and the forward PE ratio is 7.90. BFH's PEG ratio is 0.79.

PE Ratio	6.98
Forward PE	7.90
PS Ratio	1.30
Forward PS	0.86
PB Ratio	1.05
P/TBV Ratio	1.31
P/FCF Ratio	1.57
P/OCF Ratio	1.57
PEG Ratio	0.79

Enterprise Valuation

EV / Earnings	6.56
EV / Sales	1.39
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	1.68

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)	4.97%
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 +57.28% in the last 52 weeks. The beta is 1.15, so BFH's price volatility has been higher than the market average.

Beta (5Y)	1.15
52-Week Price Change	+57.28%
50-Day Moving Average	80.75
200-Day Moving Average	70.54
Relative Strength Index (RSI)	50.67
Average Volume (20 Days)	617,634

Short Selling Information

The latest short interest is 6,699, so 0.02% of the outstanding shares have been sold short.

Short Interest	6,699
Short Previous Month	6,913
Short % of Shares Out	0.02%
Short % of Float	0.02%
Short Ratio (days to cover)	0.01

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 1.08%.

Dividend Per Share	$0.92
Dividend Yield	1.08%
Dividend Growth (YoY)	7.14%
Years of Dividend Growth	1
Payout Ratio	7.39%
Buyback Yield	8.69%
Shareholder Yield	9.77%
Earnings Yield	16.30%
FCF Yield	63.76%

Analyst Forecast

The average price target for BFH is $95.67, which is 12.75% higher than the current price. The consensus rating is "Buy".

Price Target	$95.67
Price Target Difference	12.75%
Analyst Consensus	Buy
Analyst Count	17
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