Bread Financial Holdings, Inc. (BFH)
Financial Services
Credit Services
99.50 $
Closing price · As of: 20. Jul 2026
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Value & GARP
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Basics
Market Cap
The value of the entire company on the market: share price times total shares outstanding.
4.2Mrd. $
Shares Outstanding
Total number of shares issued. Price times share count gives market cap.
40Mio.
Float
Share of stock freely tradable on the market — not locked up in the hands of founders, insiders, or major shareholders.
98.4%
Beta
Volatility versus the overall market: 1 = moves like the market, 2 = twice as much, under 1 = calmer than the market.
1.1
Performance
Perf. 1M
Price performance over the last month.
23.20%
Perf. 3M
Price performance over the last 3 months.
51.10%
Perf. 6M
Price performance over the last 6 months.
42.60%
YTD Performance (%)
Price performance since the start of the year (Year to Date).
41.00%
52-Week-High Distance
How far the price sits below its highest point over the last 52 weeks. 0% means the stock is at its year high.
-2.6%
Valuation
P/E
Price-to-earnings ratio: how many years of profit does the stock cost? The lower, the cheaper the valuation. No earnings means no P/E.
8.6
Forward P/E
P/E based on expected earnings for the next 12 months instead of past earnings — analysts' bet on the future.
9.0
PEG
P/E divided by expected earnings growth: puts valuation in relation to growth. Around 1 is considered fair, well above that is pricey.
2.4
P/B
Price-to-book ratio: market value relative to book equity.
1.3
P/S
Price-to-sales ratio: market value divided by annual sales. Important for companies that aren't (yet) profitable.
0.9
EV/EBITDA
Enterprise value including debt (EV) relative to operating profit before depreciation and amortization (EBITDA) — more comparable than P/E because debt counts too. Extreme values arise when EBITDA is near zero.
6.1
Price/FCF
Market value divided by free cash flow: how many years of freely available cash does the stock cost? More honest than P/E because cash flow is harder to dress up.
2.0
Profitability
Gross Margin
Gross margin: what's left of sales after only direct production costs are deducted — the product's pricing power.
100.0%
EBIT Margin
EBIT margin: operating profit as a percentage of sales — the earning power of the core business before interest and taxes.
34.0%
Net Margin
Net margin: what's left of sales as profit after ALL costs, interest, and taxes.
21.2%
Return on Equity
Return on equity: how much profit does the company generate per year on shareholders' equity?
17.5%
Return on Assets
Return on assets: how much profit the company generates from its total assets (equity and debt combined).
2.5%
Balance Sheet & Safety
Equity Ratio
Equity ratio: equity as a share of total assets. The higher, the more resilient the balance sheet.
14.9%
Debt/Equity
Leverage ratio: financial debt divided by equity. Under 1 is generally seen as solid; negative values mean negative equity.
1.2
Altman Z
Edward Altman's bankruptcy early-warning score: under 1.8 = danger zone, over 3 = safe. Values well above that mean a very resilient balance sheet.
0.80
very solid
Piotroski
Balance-sheet health check by Joseph Piotroski: 9 yes/no criteria on profit, cash flow, leverage, and efficiency. 7+ is very solid, under 3 is a red flag.
8 von 9
Growth
Sales Growth Last Quarter
Sales growth in the most recently reported quarter versus the same quarter a year ago (YoY).
6.10%
EPS Growth Last Quarter
Growth in earnings per share in the most recently reported quarter versus the same quarter a year ago (YoY).
49.30%
Sales Growth (Year)
Sales growth in the last fiscal year versus the year before.
22.43%
Forward Sales Growth
Sales growth analysts expect over the next 12 months — an estimate, not a guarantee.
3.74%
Forward EPS Growth
Earnings-per-share growth analysts expect over the next 12 months — an estimate, not a guarantee.
9.90%
Dividend
Dividend Yield
Annual dividend divided by the current price: what percentage of your investment comes back as a payout each year.
0.90%
Dividend Per Share (TTM)
Sum of dividends paid per share over the last 12 months.
0.90$
Payout Ratio
Share of profit paid out as dividends. Over 100% means the company is paying out more than it earns — not sustainable long-term.
6.7%
Years Without a Cut
How many years in a row the dividend hasn't been cut — a measure of reliability.
4Years
Increase Streak
How many years in a row the dividend has been raised — the gold standard for dividend payers.
1Years
Quality & Screener
Stage
Weinstein phases 1 through 4: 1 = basing, 2 = uptrend (the only buy phase), 3 = topping, 4 = downtrend. Measured against the 30-week line.
2
RS Rating
Relative strength from 1 to 99: an RS of 95 means the stock has outperformed 95% of all stocks.
86
EPS Rating
Earnings growth rating from 1 to 99 versus all stocks — high values mean above-average earnings growth.
77
very solid
Piotroski
Balance-sheet health check by Joseph Piotroski: 9 yes/no criteria on profit, cash flow, leverage, and efficiency. 7+ is very solid, under 3 is a red flag.
8 von 9
Fundamental Rating
Our own Fundamental Rating from −100 to +100 with an A+ to F grade: growth, earnings surprises, analyst estimates, margins, cash flow, and balance-sheet safety, all percentile-ranked.
B (+23 von 100)
Altman Z
Edward Altman's bankruptcy early-warning score: under 1.8 = danger zone, over 3 = safe. Values well above that mean a very resilient balance sheet.
0.80
AI Rating
–Not yet rated — we only show a category once an SEC-backed file with at least two cited passages is available. How the Rating Is Built
Highlighted are things our editorial team noticed: green = stands out as strong, red = deserves a closer look. No single metric is a verdict on its own — always read it in context.
Quarterly Figures
| Quarter | EPS (Earnings Per Share) | EPS YoY (%) | Sales ($M) | Sales YoY (%) | Net Margin (%) | OCF ($M) | FCF ($M) |
|---|---|---|---|---|---|---|---|
| 2024: Q4 | 0.14 | -84.00 | 1,156 | -7.90 | 0.60 | 479 | 479 |
| 2025: Q1 | 2.78 | 3.20 | 1,195 | -3.60 | 11.50 | 393 | 393 |
| 2025: Q2 | 2.94 | 11.20 | 1,149 | -2.60 | 12.10 | 526 | 526 |
| 2025: Q3 | 3.96 | 9,992.60 | 1,181 | -3.40 | 15.90 | 605 | 597 |
| 2025: Q4 | 1.15 | 729.60 | 1,174 | 1.60 | 4.50 | 568 | 568 |
| 2026: Q1 | 4.19 | 50.60 | 1,211 | 1.30 | 14.90 | 487 | 487 |
What Do These Terms Mean?
- EPS (Earnings Per Share):
- Quarterly profit divided by the total share count — how much of the profit works out to a single share.
- YoY (Year over Year):
- Change versus the same quarter a year ago — this is how you compare without seasonal distortion (e.g. the holiday shopping season).
- Sales:
- All revenue for the quarter, before any costs are deducted — the top line of the income statement.
- Net Margin:
- What percentage of sales is left over as profit in the end. Negative means the company is posting a loss.
- OCF (Operating Cash Flow):
- The cash that actually flows into the till from the core business during the quarter — harder to dress up than book profit.
- FCF (Free Cash Flow):
- Operating cash flow minus capital expenditures — the money that's genuinely free to use, say for paying down debt, buybacks, or dividends.
About the Company
Bread Financial Holdings, Inc. bietet technologieorientierte Zahlungs- und Kreditlösungen für Verbraucher und verbraucherbasierte Branchen in Nordamerika an.
| Employees | 6,000 |
|---|---|
| Headquarters | Columbus, OH |
| Website | breadfinancial.com |
| IPO Date | 15. Jun 2001 |
| Next Earnings | 23. Jul 2026 |
Management
| Name | Title | Birth Year |
|---|---|---|
| Ralph J. Andretta | President, CEO & Director | 1961 |
| Perry S. Beberman | Executive VP & CFO | 1966 |
| Allegra S. Driscoll | Executive VP & CTO | 1979 |
| Joseph L. Motes III | Executive VP, Chief Legal & Administrative Officer and Secretary | 1962 |
| Valerie E. Greer | Executive VP & Chief Commercial Officer | 1966 |
| Tammy Michelle McConnaughey | Executive VP and Chief Credit Risk & Operations Officer | 1974 |
| Jonathan Bryan Campbell | Senior VP & Chief Accounting Officer | 1973 |
| Brian Vereb | Head of Investor Relations | – |
| Brandy Sullivan | Senior VP and Chief People & Culture Officer | – |
| Wes Hunt | Senior Vice President of Operational Excellence | – |
Executives per the latest required filings; titles kept in their original language. Source: fundamental data.
Chart
Interactive price chart (TradingView).
Data as of: July 20, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)
Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.