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Bread Financial Holdings, Inc. (BFH.PA) stock

BFH.PANYSEPersonal Credit InstitutionsFiscal year ends December 31Also trades as BFH, BFH.PB
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Oct 27, 2026Score 15/309% below fair value
$24.05−0.13 (-0.54%)

Close on Oct 30, 2026Market cap $4.06BP/E 8.2Yield 0.81%

Bread Financial statistics

84 measures from SEC filings and the closing price. Hover a name for the formula; the last column is the median of companies in the same industry group.

Important dates

Next earnings
Jan 28, 2027 (estimated, before the open)
Last ex-dividend date
Aug 31, 2026
Fundamentals through
Jun 30, 2026
Share price as of
Oct 29, 2026

Valuation ratiosIndustry

Market Cap
$4.06B
$247.87M
Enterprise Value
$376.38M
$214.91M
PE Ratio
8.24
12.29
PS Ratio
1.03
2.58
PB Ratio
1.21
1.16
P/TBV Ratio
1.21
1.32
P/OCF Ratio
1.85
7.43

Enterprise valuationIndustry

EV / Sales
0.10
2.54

Share statisticsIndustry

Shares Outstanding
38M
55M
Shares Change (YoY)
-10.6%
13.1%
Shares Change (QoQ)
-6.30%
0.35%
Float
37M
42M
Shares Held by Insiders
3.86%
18.6%
Shares Held by Institutions
102.2%
27.5%

Short sellingIndustry

Short Interest
3M
–
Short Interest Change
16.1%
2.92%
Short % of Float
8.77%
6.57%
Short % of Shares Outstanding
8.43%
5.10%
Days to Cover
4.79
2.66

Stock price statisticsIndustry

52-Week High
$114.53
–
52-Week Low
$59.26
–
20-Day Moving Average
$101.66
–
50-Day Moving Average
$103.80
–
200-Day Moving Average
$91.58
–
Average True Range (14)
$3.46
–
Price Change (1 Week)
3.13%
-1.11%
Price Change (1 Month)
8.09%
-15.7%
Price Change (3 Months)
-2.23%
-9.64%
Price Change (6 Months)
24.6%
-24.9%
Price Change (YTD)
42.7%
-30.9%
Price Change (1 Year)
62.7%
-52.8%
Price Change (3 Years)
290.9%
-23.3%
Price Change (5 Years)
23.9%
-78.1%
Price Change (10 Years)
-48.3%
-44.6%
Average Volume (10 Days)
641,743
–
Average Volume (20 Days)
574,297
–
Average Volume (90 Days)
582,667
–
Relative Volume
1.46
0.87
Relative Strength Index (14)
55.8
41.2
Volatility (1 Year)
39.3%
94.3%
Beta (5 Years)
1.42
1.25

MarginsIndustry

Pretax Margin
17.3%
-15.3%
Profit Margin
14.4%
-21.0%

Returns on capitalIndustry

Return on Equity (ROE)
17.4%
-22.5%
Return on Assets (ROA)
2.57%
-11.7%

GrowthIndustry

Revenue Growth (YoY)
3.94%
20.3%
Net Income Growth (YoY)
99.0%
-39.8%
EPS Growth (YoY)
117.1%
1.55%
Revenue Growth (3Y CAGR)
0.17%
5.91%
Revenue Growth (5Y CAGR)
3.12%
10.5%
EPS Growth (3Y CAGR)
34.7%
5.11%
EPS Growth (5Y CAGR)
19.5%
8.99%

EfficiencyIndustry

Asset Turnover
0.18
0.17
Revenue Per Employee
$659.50K
$694.61K
Profits Per Employee
$94.83K
-$256.93K
Employee Count
6,000
48
WACC
12.1%
11.0%

Income statement (TTM)Industry

Revenue
$3.96B
$63.64M
Pretax Income
$683.00M
-$3.63M
Net Income
$569.00M
-$5.10M
EPS (Diluted)
$12.83
-$0.02

Balance sheetIndustry

Cash & Short-Term Investments
$3.68B
$19.74M
Net Cash (Debt)
$3.68B
$6.94M
Net Cash Per Share
$95.86
$0.21
Equity (Book Value)
$3.37B
$191.56M
Book Value Per Share
$87.59
$3.87
Tangible Book Value
$3.37B
$136.07M

Cash flow (TTM)Industry

Operating Cash Flow
$2.19B
-$5.71M

Dividends and yieldsIndustry

Earnings Yield
14.0%
-11.7%
Dividend Yield
0.81%
2.41%
Buyback Yield
13.8%
0.14%
Shareholder Yield
14.6%
0.48%
Dividend Per Share
$0.86
$1.15
Dividend Growth (YoY)
2.38%
5.11%
Years of Dividend Growth
1
0
Payout Ratio
6.85%
22.8%

Taxes and interestIndustry

Income Tax
$115.00M
$102.14K
Effective Tax Rate
16.8%
22.3%

Scores and fair valueIndustry

Graham Number
$159.01
$33.10
Graham Upside
50.5%
7.28%
Altman Z-Score
0.41
0.39
Piotroski F-Score
7
4
Lynch Fair Value
$250.79
–
Lynch Upside
137.4%
54.1%

Total return vs. the S&P 500

Price change plus reinvested dividends, to the close on Oct 30, 2026. The S&P 500 is measured by the SPY fund.

PeriodBFH.PAS&P 500DifferenceBFH.PA per yearS&P 500 per year
1 month-1.0%-0.9%−0.1 pts
3 months-2.1%+2.1%−4.3 pts
Year to date+5.4%+11.7%−6.3 pts

Ratios use trailing-twelve-month results and the latest balance sheet. How we calculate.