Bread Financial Holdings Statistics
Total Valuation
BFH has a market cap or net worth of $3.80 billion. The enterprise value is $2.97 billion.
| Market Cap | 3.80B |
| Enterprise Value | 2.97B |
Important Dates
The last earnings date was Thursday, October 22, 2026, before market open.
| Earnings Date | Oct 22, 2026 |
| Ex-Dividend Date | Nov 30, 2026 |
Share Statistics
BFH has 38.00 million shares outstanding. The number of shares has decreased by -13.28% in one year.
| Current Share Class | 38.00M |
| Shares Outstanding | 38.00M |
| Shares Change (YoY) | -13.28% |
| Shares Change (QoQ) | -3.44% |
| Owned by Insiders (%) | 1.73% |
| Owned by Institutions (%) | 107.85% |
| Float | 37.74M |
Valuation Ratios
The trailing PE ratio is 8.01 and the forward PE ratio is 7.36. BFH's PEG ratio is 0.68.
| PE Ratio | 8.01 |
| Forward PE | 7.36 |
| PS Ratio | 1.41 |
| Forward PS | 0.92 |
| PB Ratio | 1.10 |
| P/TBV Ratio | 1.38 |
| P/FCF Ratio | 1.73 |
| P/OCF Ratio | 1.73 |
| PEG Ratio | 0.68 |
Enterprise Valuation
| EV / Earnings | 5.63 |
| EV / Sales | 1.10 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 1.35 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | 0.91 |
| Debt / EBITDA | n/a |
| Debt / FCF | 1.43 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 15.87%.
| Return on Equity (ROE) | 15.87% |
| Return on Assets (ROA) | 2.38% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 5.88% |
| Revenue Per Employee | $448,667 |
| Profits Per Employee | $87,833 |
| Employee Count | 6,000 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, BFH has paid $159.00 million in taxes.
| Income Tax | 159.00M |
| Effective Tax Rate | 22.88% |
Stock Price Statistics
The stock price has increased by +65.00% in the last 52 weeks. The beta is 1.18, so BFH's price volatility has been higher than the market average.
| Beta (5Y) | 1.18 |
| 52-Week Price Change | +65.00% |
| 50-Day Moving Average | 104.39 |
| 200-Day Moving Average | 91.02 |
| Relative Strength Index (RSI) | 45.19 |
| Average Volume (20 Days) | 540,168 |
Short Selling Information
The latest short interest is 3.24 million, so 8.52% of the outstanding shares have been sold short.
| Short Interest | 3.24M |
| Short Previous Month | 3.09M |
| Short % of Shares Out | 8.52% |
| Short % of Float | 8.58% |
| Short Ratio (days to cover) | 5.49 |
Income Statement
In the last 12 months, BFH had revenue of $2.69 billion and earned $527.00 million in profits. Earnings per share was $12.47.
| Revenue | 2.69B |
| Gross Profit | 2.69B |
| Operating Income | 769.00M |
| Pretax Income | 695.00M |
| Net Income | 527.00M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $12.47 |
Balance Sheet
The company has $3.96 billion in cash and $3.13 billion in debt, with a net cash position of $827.00 million or $21.76 per share.
| Cash & Cash Equivalents | 3.96B |
| Total Debt | 3.13B |
| Net Cash | 827.00M |
| Net Cash Per Share | $21.76 |
| Equity (Book Value) | 3.44B |
| Book Value Per Share | 90.45 |
| Working Capital | -11.54B |
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 | $57.71 |
Margins
| Gross Margin | n/a |
| Operating Margin | 28.57% |
| Pretax Margin | 25.82% |
| Profit Margin | 19.95% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 82.20% |
Dividends & Yields
This stock pays an annual dividend of $1.00, which amounts to a dividend yield of 1.00%.
| Dividend Per Share | $1.00 |
| Dividend Yield | 1.00% |
| Dividend Growth (YoY) | 9.30% |
| Years of Dividend Growth | 1 |
| Payout Ratio | 8.02% |
| FCF Payout Ratio | 1.73% |
| Buyback Yield | 13.28% |
| Shareholder Yield | 14.28% |
| Earnings Yield | 12.49% |
| FCF Yield | 57.77% |
Analyst Forecast
The average price target for BFH is $115.25, which is 15.38% higher than the current price. The consensus rating is "Buy".
| Price Target | $115.25 |
| Price Target Difference | 15.38% |
| Analyst Consensus | Buy |
| Analyst Count | 17 |
| Revenue Growth Forecast (3Y) | 3.82% |
| EPS Growth Forecast (3Y) | 9.33% |
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 |