Bread Financial Holdings, Inc.
BFH NYSE· Personal Credit Institutions
Last close · Oct 26, 2026
$101.72
KIRA · Stoqly’s AI analyst, in plain words
- Bread Financial Holdings, Inc. had $3.8B of revenue in fiscal 2025, up 0.2% on the year before. Over five years, revenue changed −3.2% a year on average.
- Bread Financial Holdings, Inc. made $518M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 4.5% a year.
- Bread Financial Holdings, Inc. returned $353M to shareholders in fiscal 2025. The diluted share count fell 5.6%.
- Bread Financial Holdings, Inc. owes $678M more than it holds in cash.
Market cap
$4.1B
P/E
7.9x
Revenue
$3.8B
Net income
$518M
Free cash flow
—
Operating margin
—
Bread Financial Holdings, Inc. in 30 seconds · fiscal 2025
Are sales growing?
+0.2%
Only a little. Sales grew 0.2% last year.
Does it make a profit?
13.5%
Yes. It keeps 13.5% of every sale as profit.
How healthy are the accounts?
7 / 7
Solid. It passes 7 of 7 health tests.
How is the share priced?
7.9x
One share costs 7.9 times its yearly profit per share.
What Bread Financial Holdings, Inc. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 13, 2026
- Legal name
- BREAD FINANCIAL HOLDINGS, INC.
- CIK
- 0001101215
Bread Financial Holdings, Inc. · BFH
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $3.3B | $3.8B | $4.3B | $3.8B | $3.8B |
| Revenue growth | −27.6% | 16.9% | 12.1% | −10.5% | 0.2% |
| Net interest income | $3.5B | $4.2B | $4.3B | $4.1B | $4.1B |
| Net income | $801M | $223M | $718M | $277M | $518M |
| Net margin | 24.5% | 5.8% | 16.7% | 7.2% | 13.5% |
| Diluted EPS | $16.02 | $4.46 | $14.34 | $5.49 | $10.89 |
| Cash | |||||
| Cash from operations | $1.5B | $1.8B | $2.0B | $1.9B | $2.1B |
| Capital expenditure | $84.0M | $68.0M | — | — | — |
| Free cash flow | $1.5B | $1.8B | — | — | — |
| FCF margin | 44.6% | 46.5% | — | — | — |
| Dividends paid | $42.0M | $43.0M | $42.0M | $43.0M | $40.0M |
| Share buybacks | $0.0M | $12.0M | $35.0M | $55.0M | $313M |
| Share count change | 4.4% | 0.0% | 0.0% | 0.8% | −5.6% |
| Debt and strength | |||||
| Cash and short-term investments | $3.1B | $4.0B | $3.8B | $4.0B | $3.6B |
| Debt incl. finance leases | $7.4B | $8.0B | $5.3B | $5.6B | $4.3B |
| Loans, net | $15.6B | — | — | — | — |
| Deposits | $11.0B | $13.8B | $13.6B | $13.1B | $13.9B |
| Shareholders' equity | $2.1B | $2.3B | $2.9B | $3.1B | $3.3B |
| Returns and quality | |||||
| Return on equity | 44.4% | 10.3% | 27.7% | 9.3% | 16.2% |
| Return on tangible equity | 57.3% | 15.2% | 33.3% | 12.0% | 19.8% |
| Efficiency ratio | 51.5% | 50.5% | 48.8% | 53.7% | 51.7% |
| Piotroski F-score | 4 | 6 | 7 | 3 | 7 |
Insiders bought, 12 months
$0.1M
2 insiders
Insiders sold, 12 months
$2.5M
3 insiders
Of sales under plans
53%
$1.3M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Operating margin:
- Operating income as a share of revenue.
- Net income:
- Profit after all expenses, interest and tax.
- Free cash flow:
- Cash from operations minus capital spending.
- Net debt / EBITDA:
- Years of EBITDA needed to pay off net debt. Below zero means more cash than debt.
- Return on capital:
- After-tax operating income as a share of the money invested in the business: debt plus equity, minus cash.
Bread Financial Holdings, Inc. · BFH
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Margins, % of revenue
Cash vs debt (incl. leases)
Free cash flow
Dividends and buybacks
KIRA
At $101.72 a share, the company is worth $4.1B: 7.9 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0001101215). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.