Bread Financial Holdings, Inc. (BFH.PB) balance sheet

BFH.PBNYSEPersonal Credit InstitutionsFiscal year ends December 31Also trades as BFH, BFH.PA

Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Oct 27, 2026Score 15/309% below fair value

$24.13−0.11 (-0.45%)

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

Bread Financial Holdings, Inc. balance sheet

Millions of USD, except per-share data. Shares in millions.

Line item	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31	FY 2020 2020-12-31	FY 2019 2019-12-31	FY 2018 2018-12-31	FY 2017 2017-12-31	FY 2016 2016-12-31	FY 2015 2015-12-31	FY 2014 2014-12-31	FY 2013 2013-12-31	FY 2012 2012-12-31	FY 2011 2011-12-31	FY 2010 2010-12-31	FY 2009 2009-12-31	FY 2008 2008-12-31	FY 2007 2007-12-31
Cash & Equivalents	3,604	3,714	3,590	3,927	3,923	3,463	3,958	3,968	4,315	1,969	1,481	1,077	970	893	216	139	213	157	266
Short-Term Investments	26	272	250	130	80	29	–	–	–	–	–	–	–	–	–	–	–	–	–
Cash & Short-Term Investments	3,630	3,986	3,840	4,057	4,003	3,492	3,958	3,968	4,315	1,969	1,481	1,077	970	893	216	139	213	157	266
Receivables	148	145	144	164	151	114	451	404	822	797	707	743	395	370	301	261	225	–	–
Inventory	–	–	–	–	–	164	218	248	234	271	228	221	15	–	–	–	–	–	–
Other Current Assets	–	–	–	–	–	535	268	293	349	324	250	456	178	171	122	127	201	–	–
Total Current Assets	–	–	–	–	–	19,634	24,113	24,712	24,706	19,589	16,250	13,815	10,401	9,132	6,607	6,130	2,360	–	–
Property, Plant & Equipment	117	142	167	195	215	213	282	288	614	586	577	560	299	253	195	171	165	–	–
Gross Property, Plant & Equipment	–	–	–	482	471	484	664	649	1,478	1,304	1,159	1,017	793	678	598	502	–	–	–
Accumulated Depreciation	–	–	-343	-287	-256	-271	-381	-361	-864	-718	-582	-457	-494	-425	-403	-331	–	–	–
Equity Method Investments	–	–	0	6.00	50	–	–	–	–	–	–	–	–	–	–	–	–	–	–
Operating Lease Right-of-Use Assets	63	87	98	88	97	119	264	451	–	–	–	–	–	–	–	–	–	–	–
Goodwill	634	634	634	634	634	634	955	955	993	3,801	3,814	3,866	1,736	1,751	1,449	1,222	1,166	–	–
Intangible Assets	82	112	128	165	53	77	153	217	801	1,003	1,204	1,516	460	583	384	314	317	–	–
Deferred Tax Assets	–	–	–	–	–	359	45	44	–	–	–	0.16	2.45	30	43	46	0	–	–
Other Long-Term Assets	–	–	–	–	–	558	682	636	657	515	504	508	312	186	143	204	226	–	–
Total Assets	22,663	22,891	23,141	25,407	21,746	22,547	26,495	30,388	30,685	25,514	22,350	20,188	13,244	12,000	8,980	8,272	5,226	–	–
Accounts Payable	–	–	–	–	–	328	301	486	651	568	442	456	210	215	150	122	104	–	–
Accrued Expenses	–	–	–	–	–	445	328	322	443	347	567	457	262	275	207	169	128	–	–
Current Debt	–	–	–	–	–	–	–	139	131	815	369	208	364	803	20	256	52	–	–
Current Portion of Leases	–	–	–	–	–	24	23	65	–	–	–	–	–	–	–	–	–	–	–
Current Income Taxes Payable	–	–	–	–	–	58	18	23	65	25	103	34	18	48	30	23	–	–	–
Deferred Revenue (Current)	–	–	–	–	–	899	808	766	847	788	699	846	966	1,055	1,036	1,044	985	–	–
Other Current Liabilities	–	–	–	–	–	221	338	292	369	400	295	306	140	117	106	85	89	–	–
Total Current Liabilities	–	–	–	–	–	10,422	11,872	11,484	10,147	9,230	6,403	6,305	4,512	5,033	3,855	3,862	2,130	–	–
Long-Term Debt	–	–	–	–	–	–	–	5,587	5,948	4,787	4,648	4,001	2,436	2,052	2,164	1,614	1,730	–	–
Long-Term Leases	–	–	–	–	–	276	292	469	–	–	–	–	–	–	–	–	–	–	–
Operating Lease Liabilities	85	128	148	126	140	172	314	533	–	–	–	–	–	–	–	–	–	–	–
Deferred Tax Liabilities	–	–	–	–	–	–	80	257	211	335	632	690	276	277	152	83	141	–	–
Other Long-Term Liabilities	–	–	–	–	–	420	338	392	371	326	285	208	154	124	166	181	98	–	–
Total Liabilities	19,336	19,840	20,223	23,142	19,660	21,025	24,907	28,056	28,830	23,856	20,173	17,632	12,388	11,472	8,804	8,249	4,953	–	–
Total Debt	–	–	–	–	–	–	–	5,725	6,080	5,601	5,017	4,209	2,800	2,855	2,183	1,870	1,782	–	–
Preferred Stock	0	0	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–
Common Stock	0	1.00	1.00	1.00	1.00	1.00	1.10	1.10	1.10	1.10	1.10	1.12	0.98	0.95	0.94	0.93	0.91	–	–
Additional Paid-In Capital	1,868	2,073	2,169	2,192	2,174	3,427	3,258	3,172	3,100	3,046	2,981	2,906	1,513	1,454	1,388	1,321	1,236	–	–
Retained Earnings	1,475	999	767	93	-87	4,832	5,163	5,012	4,167	3,495	3,093	2,541	2,049	1,553	1,131	816	1,033	–	–
Treasury Stock	–	–	–	–	–	-6,733	-6,734	-5,716	-5,273	-4,733	-3,927	-2,976	-2,689	-2,458	-2,321	-2,080	-1,931	–	–
Comprehensive Income & Other	-16	-22	-19	-21	-2.00	-5.00	-100	-138	-140	-151	-137	-75	-18	-22	-23	-35	-66	–	–
Shareholders' Equity	3,327	3,051	2,918	2,265	2,086	1,522	1,589	2,332	1,855	1,658	2,010	2,396	856	528	176	23	273	547	1,197
Total Equity	3,327	3,051	2,918	2,265	2,086	1,522	1,589	2,332	1,855	1,658	2,010	2,396	856	528	176	23	273	547	1,197
Total Liabilities & Equity	22,663	22,891	23,141	25,407	21,746	22,547	26,495	30,388	30,685	25,514	22,350	20,264	13,244	12,000	8,980	8,272	5,226	–	–
Shares Outstanding(shares)	44	49	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–
Loans, Net	–	–	–	–	15,567	14,776	18,292	16,817	17,495	15,596	13,058	10,674	8,070	6,968	5,198	4,838	616	–	–
Allowance for Credit Losses	2,106	2,241	2,328	2,464	1,832	2,008	1,815	1,038	1,119	948	742	570	503	482	468	518	55	38	–
Deposits	13,916	13,082	13,620	13,826	11,027	9,793	–	–	–	–	–	–	–	–	–	–	–	–	–

Italic numbers are calculated by StockData (for example Q4 = full year − nine months). Per-share data and share counts are adjusted for stock splits. Hover a number for its source; click it to open the filing on SEC.gov. Click a row to chart it.

Ratios

Latest available, balances at Jun 30, 2026

Profitability, TTM

Gross margin: –
Operating margin: –
Net margin: 14.4%
Return on equity, FY2025: 16.2%

Financial strength

Current ratio: –
Debt to equity: –
Debt to assets: –
Cash to current liabilities: –

Valuation

P/E ratio: 8.2
Price to sales: 1.03
Price to book: 1.21
Dividend yield: 0.81%