Bread Financial Holdings/$BFH
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About Bread Financial Holdings
Formed by a combination of JCPenney's credit card processing unit and The Limited's credit card bank business, Bread Financial is a provider of private-label and co-branded credit cards, loyalty programs, and marketing services. The company's most financially significant unit is its credit card business, which partners with retailers to jointly market Bread's credit cards to their customers. The company also retains a minority interest in spun-off LoyaltyOne, which operates the largest airline miles loyalty program in Canada and offers marketing services to grocery chains in Europe and Asia.
- Ticker
- $BFH
- Sector
- Finance
- Primary listing
- NYSE
- Employees
- 6,000
- Headquarters
- Columbus, United States
- Website
- www.breadfinancial.com
BFH Metrics
BasicAdvanced
$4B
8.52
$12.47
1.18
$0.92
0.87%
Price and volume
Market cap
$4B
Beta
1.18
52-week high
$114.53
52-week low
$59.26
Average daily volume
584K
Dividend rate
$0.92
Financial strength
Dividend payout ratio (TTM)
9.31%
Profitability
Net profit margin (TTM)
19.95%
Operating margin (TTM)
27.97%
Effective tax rate (TTM)
22.88%
Revenue per employee (TTM)
$450,000
Management effectiveness
Return on assets (TTM)
2.38%
Return on equity (TTM)
15.87%
Valuation
Price to earnings (TTM)
8.518
Price to revenue (TTM)
1.637
Price to book
1.17
Price to tangible book (TTM)
1.47
Price to free cash flow (TTM)
2.013
Free cash flow yield (TTM)
49.67%
Free cash flow per share (TTM)
52.779
Dividend yield (TTM)
0.87%
Forward dividend yield
0.87%
Growth
Revenue change (TTM)
7.29%
Earnings per share change (TTM)
28.86%
3-year revenue growth (CAGR)
-2.08%
3-year earnings per share growth (CAGR)
5.01%
10-year earnings per share growth (CAGR)
2.80%
3-year dividend per share growth (CAGR)
3.08%
What the Analysts think about BFH
Analyst ratings (Buy, Hold, Sell) for Bread Financial Holdings stock.
Analyst projections of the future price of Bread Financial Holdings stock.
Bulls say / Bears say
Credit sales rose 9% year on year in the third quarter and average loans grew 6%, supporting 5% revenue growth. Bread raised its full-year net loss rate outlook to below 7%, which could help sustain earnings as the portfolio expands. (StockTitan)
Credit performance is improving: the third-quarter delinquency rate fell to 5.57% from 6.04%, while the net loss rate eased to 6.40% from 7.39%. That reduces pressure on provisions and points to healthier repayment trends. (StockTitan, Bread Financial)
Long-term renewals with Signet and Sephora help secure important retailer relationships, with the Signet deal also adding Blue Nile to Bread’s programme. Such continuity can support card sales and reduce the risk of losing a major partner. (Bread Financial, GlobeNewswire)
Revenue growth was only 5% despite 7% growth in period-end loans. Higher payments to retailer partners and lower billed late fees offset some of the benefit from loan growth, limiting the amount of growth that reached revenue. (StockTitan)
Bread remains exposed to consumer credit deterioration: its third-quarter net loss rate was still 6.40%, and the company flags inflation and wider economic uncertainty as risks to borrowers’ ability to repay. A weaker consumer could reverse the recent improvement and lift credit costs. (StockTitan, SEC)
The CET1 ratio fell to 13.1% from 14.0% a year earlier as Bread optimised its capital, reducing the cushion available to absorb losses. Its recent preferred-share issue carries an 8.875% dividend rate, adding a costly layer of capital ahead of common shareholders. (StockTitan, StockTitan)
Data summarised monthly by Lightyear AI. Last updated on 22 Oct 2026.
BFH Financial Performance
Revenues and expenses
BFH Earnings Performance
Company profitability
Upcoming events
BFH News
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Funds containing BFH
AllUSDEURGBP
Fund name | Fund size | $BFH weighting |
|---|---|---|
iShares S&P SmallCap 600$IDP6 | $3.2B | 0.19% |
iShares S&P Small Cap 600£ISP6 | $3.2B | 0.19% |
SPDR MSCI USA Small Cap Value Weighted$USSC | $1.1B | 0.16% |
SPDR Russell 2000 US Small Cap€R2US | $5.3B | 0.14% |
SPDR Russell 2000 US Small Cap£R2SC | $5.3B | 0.14% |
Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
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