Breakdown | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
---|---|---|---|---|---|
Income Statement | |||||
Total Revenue | 4.80B | 5.17B | 4.37B | 3.27B | 3.30B |
Gross Profit | 2.44B | 3.07B | 2.28B | 2.06B | 1.95B |
EBITDA | 471.00M | 1.08B | 413.00M | 1.17B | 549.00M |
Net Income | 277.00M | 718.00M | 223.00M | 801.00M | 214.00M |
Balance Sheet | |||||
Total Assets | 22.89B | 23.14B | 25.41B | 21.75B | 22.55B |
Cash, Cash Equivalents and Short-Term Investments | 3.85B | 3.59B | 3.99B | 3.11B | 3.08B |
Total Debt | 5.68B | 5.44B | 8.13B | 7.57B | 8.82B |
Total Liabilities | 19.84B | 20.22B | 23.14B | 19.66B | 21.03B |
Stockholders Equity | 3.05B | 2.92B | 2.27B | 2.09B | 1.52B |
Cash Flow | |||||
Free Cash Flow | 1.86B | 1.99B | 1.78B | 1.46B | 1.83B |
Operating Cash Flow | 1.86B | 1.99B | 1.85B | 1.54B | 1.88B |
Investing Cash Flow | -1.17B | 788.00M | -5.11B | -1.69B | 1.77B |
Financing Cash Flow | -592.00M | -3.09B | 3.27B | 608.00M | -4.17B |
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
---|---|---|---|---|---|---|---|
82 Outperform | $2.39B | 6.86 | 17.91% | 0.43% | 5.13% | 25.93% | |
81 Outperform | $2.83B | 11.23 | 21.56% | ― | 23.42% | 59.17% | |
74 Outperform | $2.84B | 11.45 | 9.19% | 1.38% | -4.15% | -38.33% | |
70 Outperform | $1.22B | 6.84 | 12.60% | 0.37% | 7.53% | 37.86% | |
68 Neutral | $17.10B | 11.19 | 9.70% | 3.58% | 11.11% | -4.55% | |
62 Neutral | $1.50B | 28.86 | 3.86% | ― | 5.72% | 31.82% | |
52 Neutral | $2.41B | ― | -3.79% | 4.57% | -38.81% | -425.73% |
On July 24, 2025, Bread Financial Holdings announced a cash tender offer to repurchase up to $150 million of its 9.750% Senior Notes due 2029 and 8.375% Fixed-Rate Reset Subordinated Notes due 2035. This strategic financial move aims to manage the company’s debt profile and potentially improve its financial stability. The tender offers, which include an early participation incentive, are set to expire on August 21, 2025, and are conducted through a modified Dutch Auction procedure, allowing note holders to specify their minimum acceptable bid prices.
The most recent analyst rating on (BFH) stock is a Hold with a $59.00 price target. To see the full list of analyst forecasts on Bread Financial Holdings stock, see the BFH Stock Forecast page.
On July 24, 2025, Bread Financial Holdings announced its second quarter 2025 financial results, reporting a net income of $139 million and a 7% increase in tangible book value per common share. The company declared a quarterly cash dividend of $0.21 per share, payable on September 12, 2025. Despite a slight decrease in average loans due to softer consumer spending, the company saw a 4% increase in credit sales year-over-year. Bread Financial completed a $150 million share repurchase program and a tender offer for senior notes, reflecting its commitment to operational excellence and shareholder value. The company also extended its partnership with Caesars Entertainment, launching a new rewards credit card. The outlook for 2025 anticipates stable consumer financial health, with expectations of flat to slightly down average loan growth and relatively flat total revenue compared to 2024.
The most recent analyst rating on (BFH) stock is a Hold with a $59.00 price target. To see the full list of analyst forecasts on Bread Financial Holdings stock, see the BFH Stock Forecast page.
On July 24, 2025, Bread Financial Holdings reported its performance update for the period ending June 30, 2025. The company experienced a slight year-over-year decrease in average credit card and other loans by 1%, with net principal losses amounting to $348 million and a net loss rate of 7.9%. The delinquency rate improved from 6.0% in 2024 to 5.7% in 2025. The impact of hurricanes Helene and Milton in 2024 led to a temporary freeze on delinquency progression, affecting the net principal losses and net loss rate in the second quarter of 2025.
The most recent analyst rating on (BFH) stock is a Hold with a $59.00 price target. To see the full list of analyst forecasts on Bread Financial Holdings stock, see the BFH Stock Forecast page.
On June 11, 2025, Bread Financial Holdings, Inc. released a performance update for May 2025, highlighting a year-over-year decrease in average credit card and other loans by 1%, with net principal losses at $120 million and a net loss rate of 8.0%. The company noted that actions taken in response to hurricanes Helene and Milton in 2024, which included freezing delinquency progression for affected cardholders, resulted in lower net principal losses and net loss rates in the fourth quarter of 2024, but are expected to negatively impact these metrics in the second quarter of 2025.
The most recent analyst rating on (BFH) stock is a Hold with a $59.00 price target. To see the full list of analyst forecasts on Bread Financial Holdings stock, see the BFH Stock Forecast page.
On June 5, 2025, Bread Financial Holdings announced the early tender results of its cash tender offer for its 9.750% Senior Notes due 2029. The company reported that approximately $536,786,000 in aggregate principal amount of the notes had been validly tendered by the early participation date, exceeding the $150,000,000 tender cap. As a result, no further notes will be accepted after the early participation date, and the settlement is anticipated to occur on June 9, 2025. This move is part of Bread Financial’s strategic financial management, potentially impacting its debt structure and financial obligations.
The most recent analyst rating on (BFH) stock is a Hold with a $52.00 price target. To see the full list of analyst forecasts on Bread Financial Holdings stock, see the BFH Stock Forecast page.
On May 21, 2025, Bread Financial Holdings announced a cash tender offer to repurchase up to $150 million of its 9.750% Senior Notes due in 2029. This move is part of a modified Dutch Auction process, with specific deadlines for early participation and final payment. The tender offer aims to manage the company’s debt profile, potentially impacting its financial strategy and market positioning.
The most recent analyst rating on (BFH) stock is a Hold with a $59.00 price target. To see the full list of analyst forecasts on Bread Financial Holdings stock, see the BFH Stock Forecast page.
On May 13, 2025, Bread Financial Holdings, Inc. conducted its annual stockholders meeting virtually, with 88.69% of shares represented. Key outcomes included the election of directors, approval of executive compensation, and ratification of Deloitte & Touche LLP as the independent accounting firm for 2025, indicating continued shareholder support for the company’s governance and financial strategies.
The most recent analyst rating on (BFH) stock is a Hold with a $59.00 price target. To see the full list of analyst forecasts on Bread Financial Holdings stock, see the BFH Stock Forecast page.
On May 13, 2025, Bread Financial Holdings released a performance update for April 2025, highlighting a decrease in net loss and delinquency rates compared to the previous year. The net loss rate dropped from 8.6% to 7.8%, and the delinquency rate decreased from 6.0% to 5.7%. These improvements are partly attributed to the temporary freeze on delinquency progression due to hurricanes in 2024, which had a delayed impact on losses and rates in 2025.
The most recent analyst rating on (BFH) stock is a Hold with a $59.00 price target. To see the full list of analyst forecasts on Bread Financial Holdings stock, see the BFH Stock Forecast page.