Education
About Us
Working with TipRanks
Follow Us
Bread Financial Holdings (BFH)
NYSE:BFH
Total Valuation
Bread Financial Holdings has a market cap or net worth of $2.85B. The enterprise value is $2.66B.
Market Cap$2.85B
Enterprise Value$2.66B
Share Statistics
Bread Financial Holdings has 45,661,602 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding45,661,602
Owned by Insiders3.01%
Owned by Institutions20.76%
Financial Efficiency
Bread Financial Holdings’s return on equity (ROE) is 0.09 and return on invested capital (ROIC) is -37.35%.
Return on Equity (ROE)0.09
Return on Assets (ROA)0.01
Return on Invested Capital (ROIC)-37.35%
Return on Capital Employed (ROCE)0.03
Revenue Per Employee799.67K
Profits Per Employee46.17K
Employee Count6,000
Asset Turnover0.21
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Bread Financial Holdings is 6.3. Bread Financial Holdings’s PEG ratio is -0.18.
PE Ratio6.3
PS Ratio0.63
PB Ratio0.99
Price to Fair Value0.99
Price to FCF1.63
Price to Operating Cash Flow1.39
PEG Ratio-0.18
Income Statement
In the last 12 months, Bread Financial Holdings had revenue of 4.80B and earned 277.00M in profits. Earnings per share was 5.58.
Revenue4.80B
Gross Profit2.44B
Operating Income381.00M
Pretax Income381.00M
Net Income277.00M
EBITDA471.00M
Earnings Per Share (EPS)5.58
Cash Flow
In the last 12 months, operating cash flow was 2.00B and capital expenditures -8.00M, giving a free cash flow of 2.00B billion.
Operating Cash Flow2.00B
Free Cash Flow2.00B
Free Cash Flow per Share43.69
Dividends & Yields
Bread Financial Holdings pays an annual dividend of $0.23, resulting in a dividend yield of 1.38%
Dividend Per Share$0.23
Dividend Yield1.38%
Payout Ratio16.49%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta1.31
52-Week Price Change13.09%
50-Day Moving Average60.58
200-Day Moving Average56.12
Relative Strength Index (RSI)49.56
Average Volume (3m)791.93K
Important Dates
Bread Financial Holdings upcoming earnings date is Jan 22, 2026, Before Open (Confirmed).
Last Earnings DateOct 23, 2025
Next Earnings DateJan 22, 2026
Ex-Dividend DateNov 07, 2025
Financial Position
Bread Financial Holdings as a current ratio of 0.43, with Debt / Equity ratio of 0.00%
Current Ratio0.43
Quick Ratio0.43
Debt to Market Cap1.84
Net Debt to EBITDA4.26
Interest Coverage Ratio0.40
Taxes
In the past 12 months, Bread Financial Holdings has paid 102.00M in taxes.
Income Tax102.00M
Effective Tax Rate0.27
Enterprise Valuation
Bread Financial Holdings EV to EBITDA ratio is 10.69, with an EV/FCF ratio of 2.71.
EV to Sales1.05
EV to EBITDA10.69
EV to Free Cash Flow2.71
EV to Operating Cash Flow2.71
Balance Sheet
Bread Financial Holdings has $4.05B in cash and marketable securities with $0.00 in debt, giving a net cash position of $4.05B billion.
Cash & Marketable Securities$4.05B
Total Debt$0.00
Net Cash$4.05B
Net Cash Per Share$88.65
Tangible Book Value Per Share$46.47
Margins
Gross margin is 39.27%, with operating margin of 7.94%, and net profit margin of 5.77%.
Gross Margin39.27%
Operating Margin7.94%
Pretax Margin7.94%
Net Profit Margin5.77%
EBITDA Margin9.82%
EBIT Margin7.94%
Analyst Forecast
The average price target for Bread Financial Holdings is $70.36, which is 11.43% higher than the current price. The consensus rating is Hold
Price Target$70.36
Price Target Upside8.75% Upside
Analyst ConsensusHold
Analyst Count12
Revenue Growth Forecast-4.32%
EPS Growth Forecast58.34%