Bread Financial Holdings, Inc. (BFH) stock
Close on Nov 10, 2026Market cap $3.67BP/E 7.6Yield 0.89%
Bread Financial Holdings, Inc. grew revenue 5.5% to $4.00B over the twelve months to Sep 30, 2026. At the latest close the market valued the company at $3.67B, 7.6 times its earnings.
Key statistics
Valuation at the latest close; fundamentals over the trailing twelve months, balances at Sep 30, 2026
Valuation
- Market cap
- $3.67B
- P/E ratio
- 7.6
- Price to sales
- 0.92
- Price to book
- 1.07
- Dividend yield
- 0.89%
- Free cash flow yield
- –
Fundamentals
- Revenue
- $4.00B
- Net income
- $537.00M
- EPS, diluted
- $12.69
- Book value per share
- $87.46
- Diluted shares
- 39M
Trading
- Next earnings
- Jan 28, 2027 (estimated, before the open)
- Previous close
- $98.61
- Open
- $99.77
- Day's range
- $95.52 – $99.77
- Volume
- 672,763
- Average volume (20 days)
- 657,716
- Index membership
- S&P SmallCap 600 (since Nov 2022), Russell 2000 (since Jun 2022), Russell 3000
- Beta (5 years)
- 1.39
- 52-week range
- $59.26 – $114.53
- RSI (14 days)
- 38.6
- Volatility (1 year)
- 39.4%
- Relative volume
- 1.15×
- WACC
- 11.8%
Index membership is inferred from the holdings of funds that track each index (SPSM, IJR, IWM, IWV), as reported to the SEC for Jun 30, 2026. Join dates come from quarterly fund reports since 2019, so they are accurate to the quarter.
Market cap history
Month-end market cap since 2009, using shares outstanding reported at the time
Total return vs. the S&P 500
Price change plus reinvested dividends, to the close on Nov 10, 2026. The S&P 500 is measured by the SPY fund.
| Period | BFH | S&P 500 | Difference | BFH per year | S&P 500 per year |
|---|---|---|---|---|---|
| 1 month | -3.9% | -3.7% | −0.2 pts | ||
| 3 months | -10.6% | -2.7% | −7.9 pts | ||
| Year to date | +31.6% | +10.8% | +20.8 pts | ||
| 1 year | +52.8% | +11.2% | +41.6 pts | ||
| 3 years | +265.3% | +76.5% | +188.8 pts | +54.0% | +20.8% |
| 5 years | +34.8% | +72.9% | −38.1 pts | +6.2% | +11.6% |
| 10 years | -32.8% | +304.8% | −337.6 pts | -3.9% | +15.0% |
Fifteen years at a glance
Fiscal years 2011 to 2025 and trailing twelve months, USD
Revenue
Gross profit
Operating income
Net income
EPS, diluted
Free cash flow
Press releases
Releases Bread Financial filed with the SEC as exhibits to Form 8-K or 6-K
- Update
- News
- News
- Update
- Results
- Results
About Bread Financial
Personal Credit Institutions
Bread Financial operates as a financial services company offering payment, lending, and direct-to-consumer savings solutions. Its primary offerings include co-branded and private label credit cards issued in partnership with retailers, proprietary credit cards, point-of-sale installment and split-pay financing through Bread Pay, and deposit products such as certificates of deposit and high-yield savings accounts through Bread Savings. The business operates across a single reportable segment, serving consumers across the United States as well as partner merchants ranging from large retail enterprises to small and mid-sized businesses.
Company profile, executives and historyBread Financial stock: common questions
What is Bread Financial's stock price?
BFH closed at $96.70 on Nov 10, 2026, down 1.94% on the day. Over the past 52 weeks it traded between $59.26 and $114.53.
What is Bread Financial's market cap?
Bread Financial was worth $3.67B at the close on Nov 10, 2026: the share price times the diluted shares outstanding.
What is BFH's P/E ratio?
BFH trades at 7.6 times earnings, based on diluted earnings per share of $12.69 over the twelve months to Sep 30, 2026.
How much revenue does Bread Financial make?
Bread Financial reported revenue of $4.00B for the twelve months to Sep 30, 2026, up 5.5% from a year earlier.
Does Bread Financial pay a dividend?
Yes. Bread Financial paid $0.86 per share over the last twelve months, a yield of 0.89% at the latest price.
When does Bread Financial report earnings next?
Bread Financial is expected to report Q4 FY2026 results on Jan 28, 2027, before the open. The date is estimated from its past reporting pattern until the company confirms it.
How has BFH stock performed over the past year?
Including dividends, BFH returned +52.8% over the past year, against +11.2% for the S&P 500.
How many BFH shares are sold short?
3M shares were sold short at the latest FINRA report, 9.23% of the float, or 5.3 days of average trading volume.
Who are Bread Financial's competitors?
Companies most similar to Bread Financial by business, industry and size include AFRM, OMF, ATLC, ENVA, PICS.
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