Financials / Credit ServicesUpdated 2026-05-10 22:07 UTC

BFH stock hub

Bread Financial Holdings, Inc. has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

Browse stocks

BFHis not in this month’s coverageGet our monthly research letter — no spam

Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

3.5B

NYSE

Market data

Live price

Current market quote for this ticker.

Current price

BFH

In the news

Latest news · BFH

Recent company headlines from major financial publishers.

—

Fetching the latest headlines.

—

Fetching the latest headlines.

—

Fetching the latest headlines.

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E8.1

P25 8.8P50 10.4P75 13.1

Trailing P/E7.2

P25 10.9P50 14.7P75 36.2

ROE17.5

P25 4.9P50 10.4P75 15

ROICn/a

P25 -1.3P50 6.6P75 12.7

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All BFH market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

241

Groups with data

Currency

USD

Showing 241 of 241 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Cik	0001101215
Company name	Bread Financial Holdings, Inc.
Country	United States
Country code	US
Cusip	018581108
Employees	6,000
Employees Change	0%
Employees Change Percent	0
Enterprise value	$3.8B
Exchange	NYSE
Financial currency	USD
First seen	2026-05-09
Industry	Credit Services
Isin	US0185811082
Last refreshed	2026-05-10
Market cap	$3.5B
Market cap category	Mid-Cap
Price	$87.34
Price currency	USD
Rev Per Employee	440,666.67x
Sector	Financials
Sic	6141
Symbol	BFH
Website	https://www.breadfinancial.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	15.84%
EV Earnings	6.74x
EV Sales Forward	0.94x
EV/FCF	1.72x
EV/Sales	1.43x
FCF yield	61.94%
Forward P/E	8.12x
P/B ratio	1.08x
P/E ratio	7.19x
P/S ratio	1.33x
PE Ratio10 Y	11.95x
PE Ratio3 Y	6.02x
PE Ratio5 Y	5.68x
PEG ratio	0.85x
PS Forward	0.88x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
FCF margin	82.68%
Gross Profit	$2.6B
Net Income	$559M
Net Income Growth	99.64%
Net Income Growth Q	31.16%
Net Income Growth Quarters	5%
Net Income Growth Years	1%
Net Income Growth3 Y	6.1%
Net Income Growth5 Y	3.53%
Pretax Margin	25%
Profit Margin	21.22%
Profit Per Employee	$93,167
Profitable Years	24
ROA	2.51
Roa5y	2.22
ROE	17.52
Roe5y	21.72

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	-4.61%
Cagr15y	2.27%
Cagr1y	82.19%
Cagr20y	4.36%
Cagr3y	54.81%
Cagr5y	-0.87%
Div CAGR3	2.33%
Div CAGR5	1.39%
EPS Growth	118.8
EPS Growth Q	49.32
EPS Growth Quarters	5
EPS Growth Years	1
EPS Growth3 Y	9.19
EPS Growth5 Y	4.63
FCF Growth	21.11%
FCF Growth Q	23.92%
FCF Growth3 Y	7.72%
FCF Growth5 Y	4.23%
OCF Growth	21.11%
OCF Growth Q	23.92%
OCF Growth10 Y	1.9%
OCF Growth3 Y	7.72%
OCF Growth5 Y	3.65%
Revenue Growth	8.14x
Revenue Growth Q	6.08x
Revenue Growth Quarters	5x
Revenue Growth Years	1x
Revenue Growth3 Y	-0.52x
Revenue Growth5 Y	3.69x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Assets	$22.3B
Cash	$3.6B
Debt	$3.9B
Debt FCF	$1.77
Equity	$3.3B
Liabilities	$19B
Net Cash	$-241M
Net Cash By Market Cap	$-6.83
Net Debt Equity	$0.07
Net Debt FCF	$0.11
Tangible Book Value	$2.6B
Tangible Book Value Per Share	$63.37
WACC	5.05

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working Capital	$-11.8B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	8.69%
Dividend Growth	7.14%
Dividend Growth Years	1%
Dividend per share	$0.92
Dividend Years	11
Dividend Yield	1.05%
Ex Div Date	2026-05-29
Last Dividend	$0.23
Payout Frequency	Quarterly
Payout Ratio	7.39%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	-37.63%
1Y total return	82.12%
200-day SMA	69.72
3Y total return	271.11%
50-day SMA	79.02
50-day SMA vs 200-day SMA	50over200
5Y total return	-4.29%
All Time High	312
All Time High Change	-72.01%
All Time High Date	2015-04-23
All Time Low	11.05
All Time Low Change	690.41%
All Time Low Date	2001-09-21
ATR	3.05
Beta	1.15
Beta1y	1.48
Beta2y	1.37
Ch YTD	17.98
High	87.64
High52	99.13
High52 Date	2026-04-23
High52ch	-11.89%
Low	85.6
Low52	49.17
Low52 Date	2025-06-05
Low52ch	77.63%
Ma50ch	10.53%
Price vs 200-day SMA	25.28%
RSI	57.56
RSI Monthly	68.99
RSI Weekly	62.61
Sharpe ratio	1.58x
Sortino ratio	2.47
Total Return	9.74%
Tr YTD	18.32
Tr15y	40.05%
Tr1m	17.5%
Tr1w	2.34%
Tr3m	10.14%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Analyst Count	15
Analyst Count Top	1
Analyst Price Target Top	$72
Analyst Ratings	Hold
Analyst Ratings Top	Sell
Earnings EPS Estimate	$3.04
Earnings EPS Estimate Growth	7.8
Earnings Revenue Estimate	999,295,496x
Earnings Revenue Estimate Growth	3.02x
Operating Income	$735M
Operating margin	27.8
Price target	$80.64
Price Target Change	$-7.67
Price Target Change Top	$-17.56

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	39,760,523%
Float Percent	98.4%
Net Borrowing	-1,315,000,000
Shares Insiders	1.54%
Shares Institutions	118.2%
Shares Out	40,407,065
Shares Qo Q	-6.09%
Shares Yo Y	-8.69%
Short Float	0.02%
Short Ratio	0.01
Short Shares	0.02

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	$2.1B
Average Volume	672,688.9x
Bv Per Share	80.51
Ch10y	-57.16
Ch15y	-3.8
Ch1m	17.5
Ch1w	2.34
Ch1y	79.53
Ch20y	61.2
Ch3m	9.82
Ch3y	250.2
Ch5y	-30.06
Ch6m	37.37
Change	0.99%
Change From Open	0.66
Close	86.48
Days Gap	0.34
Dollar Volume	29,217,850.2
Earnings Date	2026-04-23
Earnings Time	bmo
EPS	$12.18
F Score	4
FCF	$2.2B
FCF EV Yield	57.98x
FCF Per Share	$54.1
Financing CF	-720,000,000
Fiscal Year End	December
Founded	1,996
Graham Number	148.51614
Graham Upside	70.04
Income Tax	$101M
Investing CF	-1,745,000,000
Is Primary Listing	1
Is Spac	No
Last Earnings Date	2026-04-23
Last Report Date	2026-03-31
Last Split Type	Never
Last10k Filing Date	2026-02-13
Lynch Fair Value	$60.88
Lynch Upside	-30.29
Ma150	72.41
Ma150ch	20.63%
Ma20	86.78
Ma20ch	0.65%
Net CF	-279,000,000
Next Earnings Date	2026-07-23
Open	86.77
Optionable	Yes
P FCF Ratio	1.61
P OCF Ratio	1.61
Payment Date	2026-06-15
Position In Range	85.29
Post Close	87.34
Postmarket Change Percent	-0.02
Postmarket Price	$87.32
Ppne	112,000,000
Price Date	2026-05-08
Ptbv Ratio	1.35
Relative Volume	0.5x
Revenue	2,644,000,000x
SBC By Revenue	2.19x
Share Based Comp	58,000,000
Tax By Revenue	3.82x
Tax Rate	15.28%
Tr20y	134.68%
Tr6m	37.77%
Us State	Ohio
Volume	334,530

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

BFH dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+1.1%

$0.92 annual per share

Payout ratio

+7.4%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

+1.4%

1 consecutive years of growth

Total shareholder yield

+9.7%

Next ex-dividend date: 2026-05-29

Performance

BFH stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns BFH?

Insider, institutional, and short-interest positioning.

Institutional ownership

+118.2%

Float: +98.4% of shares outstanding

Insider ownership

+1.5%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

BFH momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

57.6

Neutral momentum band

Price vs 200-day MA

+25.3%

50/200-day relationship not available

Beta (5Y)

1.15

Moves roughly with the market

Sharpe ratio

1.58

Risk-adjusted return — higher is better; >1.0 is solid.

Peers

BFH vs. sector cohort

Currency-neutral comparison: P/E, P/S, ROIC, 5Y revenue CAGR, and 1Y total return. Market-cap column appears only when every peer reports in the same currency.

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
AXP	American Express Company	215.6B	19.7x	3.1x	11.5%	+15.5%	+15.6%	Reduce
BAC	Bank of America Corporation	364.1B	12.7x	3.3x	—	+6.3%	+28.2%	Reduce
BK	The Bank of New York Mellon Corporation	89.6B	16.2x	4.3x	—	+6.0%	+58.4%	Reduce

Questions

About BFH

Hub-level FAQ points readers to the deeper analysis pages.

What is the current BFH stock rating?

Bread Financial Holdings, Inc. is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full BFH analysis?

The full report lives at /stocks/BFH/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for BFH?

The latest report frames BFH around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the BFH page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.