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Bread Financial Holdings (BFH)
NYSE:BFH
Total Valuation
Bread Financial Holdings has a market cap or net worth of $3.11B. The enterprise value is $4.08B.
Market Cap$3.11B
Enterprise Value$4.08B
Share Statistics
Bread Financial Holdings has 43,115,116 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding43,115,116
Owned by Insiders3.00%
Owned by Institutions16.37%
Financial Efficiency
Bread Financial Holdings’s return on equity (ROE) is 0.16 and return on invested capital (ROIC) is 6.54%.
Return on Equity (ROE)0.16
Return on Assets (ROA)0.02
Return on Invested Capital (ROIC)6.54%
Return on Capital Employed (ROCE)0.08
Revenue Per Employee783.17K
Profits Per Employee86.33K
Employee Count6,000
Asset Turnover0.21
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of Bread Financial Holdings is 6.4. Bread Financial Holdings’s PEG ratio is 0.06.
PE Ratio6.4
PS Ratio0.71
PB Ratio1.00
Price to Fair Value1.00
Price to FCF1.59
Price to Operating Cash Flow1.55
PEG Ratio0.06
Income Statement
In the last 12 months, Bread Financial Holdings had revenue of 4.70B and earned 518.00M in profits. Earnings per share was 11.13.
Revenue4.70B
Gross Profit2.98B
Operating Income614.00M
Pretax Income614.00M
Net Income518.00M
EBITDA694.00M
Earnings Per Share (EPS)11.13
Cash Flow
In the last 12 months, operating cash flow was 2.09B and capital expenditures -8.00M, giving a free cash flow of 2.08B billion.
Operating Cash Flow2.09B
Free Cash Flow2.08B
Free Cash Flow per Share48.34
Dividends & Yields
Bread Financial Holdings pays an annual dividend of $0.23, resulting in a dividend yield of 1.12%
Dividend Per Share$0.23
Dividend Yield1.12%
Payout Ratio8.25%
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta1.31
52-Week Price Change57.50%
50-Day Moving Average73.90
200-Day Moving Average64.06
Relative Strength Index (RSI)47.41
Average Volume (3m)831.28K
Important Dates
Bread Financial Holdings upcoming earnings date is Apr 23, 2026, Before Open (Confirmed).
Last Earnings DateJan 29, 2026
Next Earnings DateApr 23, 2026
Ex-Dividend Date―
Financial Position
Bread Financial Holdings as a current ratio of 0.27, with Debt / Equity ratio of 132.04%
Current Ratio0.27
Quick Ratio0.27
Debt to Market Cap1.30
Net Debt to EBITDA1.14
Interest Coverage Ratio0.72
Taxes
In the past 12 months, Bread Financial Holdings has paid 92.00M in taxes.
Income Tax92.00M
Effective Tax Rate0.15
Enterprise Valuation
Bread Financial Holdings EV to EBITDA ratio is 5.93, with an EV/FCF ratio of 1.97.
EV to Sales0.88
EV to EBITDA5.93
EV to Free Cash Flow1.97
EV to Operating Cash Flow1.97
Balance Sheet
Bread Financial Holdings has $3.77B in cash and marketable securities with $4.39B in debt, giving a net cash position of -$618.00M billion.
Cash & Marketable Securities$3.77B
Total Debt$4.39B
Net Cash-$618.00M
Net Cash Per Share-$14.33
Tangible Book Value Per Share$58.15
Margins
Gross margin is 63.33%, with operating margin of 13.07%, and net profit margin of 11.02%.
Gross Margin63.33%
Operating Margin13.07%
Pretax Margin13.07%
Net Profit Margin11.02%
EBITDA Margin14.77%
EBIT Margin13.07%
Analyst Forecast
The average price target for Bread Financial Holdings is $83.90, which is 11.43% higher than the current price. The consensus rating is Moderate Buy
Price Target$83.90
Price Target Upside16.19% Upside
Analyst ConsensusModerate Buy
Analyst Count11
Revenue Growth Forecast-4.32%
EPS Growth Forecast58.34%