BFHNYSEPersonal Credit InstitutionsFiscal year ends December 31Also trades as BFH.PA, BFH.PB
BREAD FINANCIAL HOLDINGS, INC.
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Jul 28, 2026
$102.45−0.11 (-0.11%)
Close on Oct 19, 2026
- Market cap
- $4.17B
- P/E (TTM)
- 8.0
- Dividend yield
- 0.84%
Bread Financial statistics
Financials through Jun 30, 2026, price as of Oct 19, 2026, median of Personal Credit Institutions companies for comparison
Valuation
| Measure | Bread Financial | Industry median |
|---|---|---|
| Market Cap | $3.94B | $196.46M |
| Enterprise Value | $253.05M | $149.54M |
| PE Ratio | 7.99 | 11.82 |
| PS Ratio | 0.99 | 2.60 |
| PB Ratio | 1.17 | 1.17 |
| P/TBV Ratio | 1.17 | 1.35 |
| P/OCF Ratio | 1.79 | 5.60 |
Enterprise value
| Measure | Bread Financial | Industry median |
|---|---|---|
| EV / Sales | 0.06 | 2.38 |
Income (trailing twelve months)
| Measure | Bread Financial | Industry median |
|---|---|---|
| Revenue | $3.96B | $66.09M |
| Pretax Income | $683.00M | -$3.63M |
| Net Income | $569.00M | -$4.73M |
| EPS (Diluted) | $12.83 | -$0.01 |
Margins
| Measure | Bread Financial | Industry median |
|---|---|---|
| Pretax Margin | 17.3% | -16.6% |
| Profit Margin | 14.4% | -19.9% |
Returns
| Measure | Bread Financial | Industry median |
|---|---|---|
| Return on Equity (ROE) | 17.4% | -22.3% |
| Return on Assets (ROA) | 2.57% | -11.1% |
Growth
| Measure | Bread Financial | Industry median |
|---|---|---|
| Revenue Growth (YoY) | 3.94% | 20.3% |
| Net Income Growth (YoY) | 99.0% | -56.4% |
| EPS Growth (YoY) | 117.1% | 3.54% |
| Revenue Growth (3Y CAGR) | 0.17% | 5.87% |
| Revenue Growth (5Y CAGR) | 3.12% | 10.4% |
| EPS Growth (3Y CAGR) | 34.7% | 5.11% |
| EPS Growth (5Y CAGR) | 19.5% | 8.99% |
Balance sheet
| Measure | Bread Financial | Industry median |
|---|---|---|
| Cash & Short-Term Investments | $3.68B | $20.41M |
| Net Cash (Debt) | $3.68B | $7.08M |
| Net Cash Per Share | $95.86 | $0.22 |
| Equity (Book Value) | $3.37B | $200.96M |
| Book Value Per Share | $87.59 | $3.89 |
| Tangible Book Value | $3.37B | $127.80M |
Cash flow (trailing twelve months)
| Measure | Bread Financial | Industry median |
|---|---|---|
| Operating Cash Flow | $2.19B | -$5.82M |
Efficiency
| Measure | Bread Financial | Industry median |
|---|---|---|
| Asset Turnover | 0.18 | 0.17 |
| Revenue Per Employee | $659.50K | $705.30K |
| Profits Per Employee | $94.83K | -$252.56K |
| Employee Count | 6,000 | 48 |
Dividends and yields
| Measure | Bread Financial | Industry median |
|---|---|---|
| Earnings Yield | 14.5% | -11.5% |
| Dividend Yield | 0.84% | 2.22% |
| Buyback Yield | 14.2% | 0.13% |
| Shareholder Yield | 15.0% | 0.15% |
| 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% |
Shares
| Measure | Bread Financial | Industry median |
|---|---|---|
| Shares Outstanding | 38,419,300 | 55,074,600 |
| Shares Change (YoY) | -10.6% | 12.9% |
| Shares Change (QoQ) | -6.30% | 0.22% |
| Float | 36,935,000 | 41,965,050 |
| Shares Held by Insiders | 3.86% | 18.6% |
| Shares Held by Institutions | 102.2% | 34.2% |
Taxes
| Measure | Bread Financial | Industry median |
|---|---|---|
| Income Tax | $115.00M | $100.87K |
| Effective Tax Rate | 16.8% | 22.5% |
Scores
| Measure | Bread Financial | Industry median |
|---|---|---|
| Graham Number | $159.01 | $32.57 |
| Graham Upside | 55.2% | 12.5% |
| Altman Z-Score | 0.41 | 0.30 |
| Piotroski F-Score | 7 | 4 |
Calculated by StockData from Bread Financial's SEC filings and the latest closing price. Hover a measure to see its formula. The grey column is the median of companies in the same industry group (two-digit SIC code); green or red marks a better or worse value than that median.