Symbols / BFH Stock $84.78 -0.75% Bread Financial Holdings, Inc.

Financial Services • Credit Services • United States • NYQ
BFH (Stock) Chart
O: — H: — L: — C: — V: —
SMA 20: — SMA 50: — SMA 200: —
Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Financial Services
Industry Credit Services
CEO Mr. Ralph J. Andretta
Exch · Country NYQ · United States
Market Cap 3.43B
Enterprise Value 3.67B
Income 558.00M
Sales 2.64B
FCF (ttm) —
Book/sh 80.51
Cash/sh 90.01
Employees 6,000
Insider 10d —
IPO Jun 15, 2001
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 7.18%
P/E 6.92
Forward P/E 6.87
PEG 0.62
P/S 1.30
P/B 1.05
P/C —
EV/EBITDA —
EV/Sales 1.39
Quick Ratio —
Current Ratio —
Debt/Eq —
LT Debt/Eq —
EPS (ttm) 12.25
EPS next Y 12.34
EPS Growth 49.30%
Revenue Growth 6.10%
EPS Gr Q/Q 31.20%
Rev Gr Q/Q —
Earnings (next) 2026-07-23
Earnings (prior) 2026-04-23
ROA 2.51%
ROE 17.52%
ROIC —
Gross Margin 0.00%
Oper. Margin 33.99%
Profit Margin 21.22%
Shs Outstand 40.41M
Shs Float 39.76M
Insider Own 1.48%
Instit Own 121.08%
Short Float 0.02%
Short Ratio 0.01
Short Interest 6.82K
52W High 99.13
vs 52W High -14.48%
52W Low 46.92
vs 52W Low 80.69%
Beta 1.14
Impl. Vol. 46.62%
Rel Volume 0.67
Avg Volume 741.54K
Volume 496.27K
Target (mean) $95.67
Tgt Median $98.00
Tgt Low $70.00
Tgt High $115.00
# Analysts 15
Recom Buy
Prev Close $85.42
Price $84.78
Change -0.75%
About

Bread Financial Holdings, Inc. provides tech-forward payment and lending solutions to customers and consumer-based industries in North America. It offers credit card and other loans financing services, including risk management solutions, underwriting, and funding services for private label and co-brand credit card programs, as well as through Bread Pay partnerships. The company also manages and services the loans it originates for private label, co-brand, and general-purpose credit card programs, and installment loans and split-pay products; and provides marketing, and data and analytics services. In addition, it offers an enhanced digital suite that includes a unified software development kit, which provides access to its suite of products, as well as promotes credit payment options earlier in the shopping experience. Further, the company through Bread Pay, a digital payments platform and robust suite of application programming interfaces allows merchants and partners to integrate online point-of-sale financing and other digital payment products. Additionally, it offers retail and deposit products, primarily in the form of certificates of deposit and high-yield savings accounts, including traditional and Roth Individual Retirement Accounts. The company offers its products under the Bread, Bread Financial, Bread Cashback, Bread Rewards, Bread Pay, and Bread Savings brands. The company was formerly known as Alliance Data Systems Corporation and changed its name to Bread Financial Holdings, Inc. in March 2022. Bread Financial Holdings, Inc. was incorporated in 1995 and is headquartered in Columbus, Ohio.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
$95.67
Mean price target
2. Current target
$84.78
Latest analyst target
3. DCF / Fair value
$183.75
Fallback: EPS × 15 (assumed fair P/E). No FCF data; use with …
Ratings
Current target
$84.78
Low
$70.00
High
$115.00
Mean
$95.67

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2026-04-29 main Evercore ISI Group Outperform → Outperform $99
2026-04-24 main Barclays Underweight → Underweight $70
2026-04-24 main TD Cowen Hold → Hold $95
2026-04-24 main Keefe, Bruyette & Woods Outperform → Outperform $115
2026-04-23 main BTIG Buy → Buy $105
2026-04-16 up Morgan Stanley Underweight → Equal-Weight $91
2026-04-06 main Evercore ISI Group Outperform → Outperform $87
2026-04-06 main Barclays Underweight → Underweight $67
2026-01-30 main TD Cowen Hold → Hold $88
2026-01-30 main Morgan Stanley Underweight → Underweight $68
2026-01-30 main Barclays Underweight → Underweight $64
2026-01-30 reit BTIG Buy → Buy $98
2026-01-20 main Morgan Stanley Underweight → Underweight $62
2026-01-08 main TD Cowen Hold → Hold $85
2026-01-08 init UBS — → Buy $92
2026-01-06 main Barclays Underweight → Underweight $61
2026-01-02 main Keefe, Bruyette & Woods Outperform → Outperform $92
2025-12-04 down JP Morgan Neutral → Underweight $72
2025-10-30 main Evercore ISI Group In-Line → In-Line $72
2025-10-24 main Goldman Sachs Sell → Sell $68
News
RSS: Latest BFH news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2026-04-15 GERSPACH JOHN C Director — 483 $0.00 $0
2026-02-19 BALLOU ROGER H Director — 1,351 $0.00 $0
2026-02-17 MOTES JOSEPH L III General Counsel — 24,271 $0.00 $0
2026-02-17 ANDRETTA RALPH J. Chief Executive Officer — 124,428 $0.00 $0
2026-02-17 MCCONNAUGHEY TAMMY M Officer — 23,729 $0.00 $0
2026-02-17 GREER VALERIE E Officer — 29,238 $0.00 $0
2026-02-17 BEBERMAN PERRY S. Chief Financial Officer — 31,870 $0.00 $0
2026-02-17 BEBERMAN PERRY S. Chief Financial Officer — 31,870 $0.00 $0
2026-02-17 CAMPBELL JONATHAN BRYAN Officer — 6,911 $0.00 $0
2026-02-17 DRISCOLL ALLEGRA S Chief Technology Officer — 17,772 $0.00 $0
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
3,845.00
+0.18%
3,838.00
-10.64%
4,295.00
+10.98%
3,870.00
Operating Revenue
3,845.00
+0.18%
3,838.00
-10.64%
4,295.00
+10.98%
3,870.00
Cost Of Revenue
—
—
—
—
Reconciled Cost Of Revenue
—
—
—
—
Gross Profit
—
—
—
—
Operating Expense
—
—
—
—
Selling General And Administration
1,030.00
-1.34%
1,044.00
+1.56%
1,028.00
+7.19%
959.00
Selling And Marketing Expense
150.00
+2.04%
147.00
-8.70%
161.00
-10.56%
180.00
General And Administrative Expense
880.00
-1.90%
897.00
+3.46%
867.00
+11.30%
779.00
Salaries And Wages
880.00
-1.90%
897.00
+3.46%
867.00
+11.30%
779.00
Other Gand A
—
—
—
—
Other Operating Expenses
—
—
—
—
Total Expenses
—
—
—
—
Operating Income
—
—
—
—
EBITDA
—
—
—
—
Normalized EBITDA
—
—
—
—
Reconciled Depreciation
80.00
-11.11%
90.00
-22.41%
116.00
+2.65%
113.00
EBIT
—
—
—
—
Total Unusual Items
-74.00
+36.75%
-117.00
-11600.00%
-1.00
0.00
Total Unusual Items Excluding Goodwill
-74.00
+36.75%
-117.00
-11600.00%
-1.00
0.00
Special Income Charges
-74.00
+36.75%
-117.00
-11600.00%
-1.00
0.00
Write Off
—
—
—
0.00
Net Income
518.00
+87.00%
277.00
-61.42%
718.00
+221.97%
223.00
Pretax Income
615.00
+61.42%
381.00
-60.64%
968.00
+222.67%
300.00
Net Interest Income
4,058.00
-0.15%
4,064.00
-4.74%
4,266.00
+2.03%
4,181.00
Interest Expense
854.00
-11.04%
960.00
+9.22%
879.00
+74.75%
503.00
Interest Income
4,912.00
-2.23%
5,024.00
-2.35%
5,145.00
+9.84%
4,684.00
Gain On Sale Of Security
—
—
—
—
Gain On Sale Of Business
—
—
—
—
Tax Provision
94.00
-7.84%
102.00
-55.84%
231.00
+203.95%
76.00
Tax Rate For Calcs
0.00
-43.07%
0.00
+12.18%
0.00
-6.30%
0.00
Tax Effect Of Unusual Items
-11.25
+63.99%
-31.24
-13025.63%
-0.24
0.00
Net Income Including Noncontrolling Interests
518.00
+87.00%
277.00
-61.42%
718.00
+221.97%
223.00
Net Income From Continuing Operation Net Minority Interest
521.00
+86.74%
279.00
-62.14%
737.00
+229.02%
224.00
Net Income From Continuing And Discontinued Operation
518.00
+87.00%
277.00
-61.42%
718.00
+221.97%
223.00
Net Income Continuous Operations
521.00
+86.74%
279.00
-62.14%
737.00
+229.02%
224.00
Net Income Discontinuous Operations
-3.00
-50.00%
-2.00
+89.47%
-19.00
-1800.00%
-1.00
Normalized Income
583.75
+60.04%
364.76
-50.56%
737.76
+229.36%
224.00
Net Income Common Stockholders
518.00
+87.00%
277.00
-61.42%
718.00
+221.97%
223.00
Diluted EPS
10.89
+98.36%
5.49
-61.72%
14.34
+221.52%
4.46
Basic EPS
11.07
+98.39%
5.58
-61.22%
14.39
+221.92%
4.47
Basic Average Shares
46.80
-5.65%
49.60
-0.40%
49.80
-0.20%
49.90
Diluted Average Shares
47.60
-5.56%
50.40
+0.80%
50.00
+0.00%
50.00
Diluted NI Availto Com Stockholders
518.00
+87.00%
277.00
-61.42%
718.00
+221.97%
223.00
Depreciation Amortization Depletion Income Statement
80.00
-11.11%
90.00
-22.41%
116.00
+2.65%
113.00
Depreciation And Amortization In Income Statement
80.00
-11.11%
90.00
-22.41%
116.00
+2.65%
113.00
Occupancy And Equipment
23.00
+4.55%
22.00
+0.00%
22.00
-4.35%
23.00
Other Non Interest Expense
669.00
-0.89%
675.00
-15.31%
797.00
+14.68%
695.00
Professional Expense And Contract Services Expense
112.00
+0.00%
112.00
-12.50%
128.00
-9.86%
142.00
Provision For Doubtful Accounts
—
—
—
—
Line Item Trend 2023-12-31
Total Assets
23,141.00
Current Assets
—
Cash Cash Equivalents And Short Term Investments
—
Cash And Cash Equivalents
3,590.00
Other Short Term Investments
—
Receivables
144.00
Accounts Receivable
144.00
Loans Receivable
—
Restricted Cash
—
Other Current Assets
—
Total Non Current Assets
—
Net PPE
265.00
Gross PPE
265.00
Accumulated Depreciation
-343.00
Properties
167.00
Land And Improvements
—
Machinery Furniture Equipment
—
Construction In Progress
—
Other Properties
98.00
Goodwill And Other Intangible Assets
762.00
Goodwill
634.00
Other Intangible Assets
128.00
Investments And Advances
253.00
Long Term Equity Investment
0.00
Other Investments
—
Non Current Deferred Assets
—
Non Current Deferred Taxes Assets
—
Total Liabilities Net Minority Interest
20,223.00
Current Liabilities
—
Payables And Accrued Expenses
981.00
Payables
708.00
Accounts Payable
422.00
Current Accrued Expenses
273.00
Total Tax Payable
286.00
Income Tax Payable
286.00
Current Debt And Capital Lease Obligation
0.00
Current Debt
0.00
Other Current Liabilities
—
Total Non Current Liabilities Net Minority Interest
—
Long Term Debt And Capital Lease Obligation
5,440.00
Long Term Debt
5,292.00
Long Term Capital Lease Obligation
148.00
Non Current Deferred Liabilities
—
Non Current Deferred Taxes Liabilities
—
Stockholders Equity
2,918.00
Common Stock Equity
2,918.00
Capital Stock
1.00
Common Stock
1.00
Preferred Stock
—
Share Issued
49.30
Ordinary Shares Number
49.30
Treasury Shares Number
0.00
Additional Paid In Capital
2,169.00
Retained Earnings
767.00
Gains Losses Not Affecting Retained Earnings
-19.00
Treasury Stock
—
Total Equity Gross Minority Interest
2,918.00
Total Capitalization
8,210.00
Working Capital
—
Invested Capital
8,210.00
Total Debt
5,440.00
Net Debt
1,702.00
Capital Lease Obligations
148.00
Net Tangible Assets
2,156.00
Tangible Book Value
2,156.00
Available For Sale Securities
82.00
Cash Cash Equivalents And Federal Funds Sold
3,616.00
Investmentin Financial Assets
—
Line Of Credit
0.00
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
2,092.00
+12.53%
1,859.00
-6.44%
1,987.00
+7.52%
1,848.00
Cash Flow From Continuing Operating Activities
2,092.00
+12.53%
1,859.00
-6.44%
1,987.00
+7.52%
1,848.00
Net Income From Continuing Operations
518.00
+87.00%
277.00
-61.42%
718.00
+221.97%
223.00
Depreciation Amortization Depletion
80.00
-11.11%
90.00
-22.41%
116.00
+2.65%
113.00
Depreciation And Amortization
80.00
-11.11%
90.00
-22.41%
116.00
+2.65%
113.00
Other Non Cash Items
-17.00
+34.62%
-26.00
-204.00%
25.00
-62.69%
67.00
Stock Based Compensation
56.00
+3.70%
54.00
+22.73%
44.00
+33.33%
33.00
Provisionand Write Offof Assets
—
—
—
—
Asset Impairment Charge
—
—
—
0.00
Deferred Tax
90.00
+205.88%
-85.00
-25.00%
-68.00
+72.24%
-245.00
Deferred Income Tax
90.00
+205.88%
-85.00
-25.00%
-68.00
+72.24%
-245.00
Operating Gains Losses
71.00
-33.02%
106.00
+147.53%
-223.00
—
Change In Working Capital
-39.00
+41.79%
-67.00
-339.29%
28.00
+159.57%
-47.00
Change In Other Current Assets
57.00
+35.71%
42.00
+50.00%
28.00
+120.90%
-134.00
Change In Other Current Liabilities
-96.00
+11.93%
-109.00
0.00
-100.00%
87.00
Investing Cash Flow
-1,371.00
-17.28%
-1,169.00
-248.35%
788.00
+115.42%
-5,111.00
Cash Flow From Continuing Investing Activities
-1,371.00
-17.28%
-1,169.00
-248.35%
788.00
+115.42%
-5,111.00
Capital Expenditure
—
—
—
-68.00
Capital Expenditure Reported
—
—
—
-68.00
Net Investment Purchase And Sale
-2.00
+88.24%
-17.00
+52.78%
-36.00
-176.92%
-13.00
Purchase Of Investment
-22.00
+29.03%
-31.00
+38.00%
-50.00
-16.28%
-43.00
Sale Of Investment
20.00
+42.86%
14.00
+0.00%
14.00
-53.33%
30.00
Net Business Purchase And Sale
—
—
0.00
0.00
Purchase Of Business
—
—
0.00
0.00
Gain Loss On Sale Of Business
—
—
—
—
Net Other Investing Changes
-24.00
+33.33%
-36.00
+25.00%
-48.00
+33.33%
-72.00
Financing Cash Flow
-807.00
-36.32%
-592.00
+80.82%
-3,086.00
-194.46%
3,267.00
Cash Flow From Continuing Financing Activities
-807.00
-36.32%
-592.00
+80.82%
-3,086.00
-194.46%
3,267.00
Net Issuance Payments Of Debt
-1,317.00
-2008.70%
69.00
+102.56%
-2,696.00
-581.43%
560.00
Issuance Of Debt
1,825.00
-32.16%
2,690.00
-32.63%
3,993.00
-10.59%
4,466.00
Repayment Of Debt
-3,142.00
-19.88%
-2,621.00
+60.82%
-6,689.00
-71.25%
-3,906.00
Long Term Debt Issuance
1,825.00
-32.16%
2,690.00
-32.63%
3,993.00
-10.59%
4,466.00
Long Term Debt Payments
-3,142.00
-19.88%
-2,621.00
+60.82%
-6,689.00
-71.25%
-3,906.00
Net Long Term Debt Issuance
-1,317.00
-2008.70%
69.00
+102.56%
-2,696.00
-581.43%
560.00
Net Common Stock Issuance
-313.00
-469.09%
-55.00
-57.14%
-35.00
-191.67%
-12.00
Common Stock Payments
-313.00
-469.09%
-55.00
-57.14%
-35.00
-191.67%
-12.00
Common Stock Dividend Paid
-42.00
+2.33%
-43.00
-2.38%
-42.00
+2.33%
-43.00
Cash Dividends Paid
-42.00
+2.33%
-43.00
-2.38%
-42.00
+2.33%
-43.00
Repurchase Of Capital Stock
-313.00
-469.09%
-55.00
-57.14%
-35.00
-191.67%
-12.00
Net Other Financing Charges
-41.00
-86.36%
-22.00
+78.85%
-104.00
-550.00%
-16.00
Changes In Cash
-86.00
-187.76%
98.00
+131.51%
-311.00
-7875.00%
4.00
Effect Of Exchange Rate Changes
—
—
—
0.00
Beginning Cash Position
3,714.00
+2.71%
3,616.00
-7.92%
3,927.00
+0.10%
3,923.00
End Cash Position
3,628.00
-2.32%
3,714.00
+2.71%
3,616.00
-7.92%
3,927.00
Free Cash Flow
2,092.00
+12.53%
1,859.00
-6.44%
1,987.00
+7.52%
1,848.00
Interest Paid Supplemental Data
868.00
-5.86%
922.00
+7.08%
861.00
+84.76%
466.00
Income Tax Paid Supplemental Data
53.00
-76.65%
227.00
-22.26%
292.00
-13.61%
338.00
Common Stock Issuance
—
—
—
—
Issuance Of Capital Stock
71.00
0.00
0.00
—
Net Preferred Stock Issuance
71.00
0.00
0.00
—
Preferred Stock Issuance
71.00
0.00
0.00
—
Sale Of Business
—
—
—
—
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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