Bread Financial Holdings/$BFH
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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 that 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
Primary listing
NYSE
Employees
6,000
Headquarters
Website
BFH Metrics
BasicAdvanced
$2.9B
6.57
$9.68
1.32
$0.84
1.32%
Price and volume
Market cap
$2.9B
Beta
1.32
52-week high
$68.01
52-week low
$38.21
Average daily volume
807K
Dividend rate
$0.84
Financial strength
Dividend payout ratio (TTM)
8.92%
Profitability
Net profit margin (TTM)
18.77%
Operating margin (TTM)
25.83%
Effective tax rate (TTM)
12.20%
Revenue per employee (TTM)
$420,000
Management effectiveness
Return on assets (TTM)
2.19%
Return on equity (TTM)
14.78%
Valuation
Price to earnings (TTM)
6.566
Price to revenue (TTM)
1.215
Price to book
0.88
Price to tangible book (TTM)
1.13
Price to free cash flow (TTM)
1.522
Free cash flow yield (TTM)
65.70%
Free cash flow per share (TTM)
41.773
Dividend yield (TTM)
1.32%
Forward dividend yield
1.32%
Growth
Revenue change (TTM)
1.70%
Earnings per share change (TTM)
55.00%
3-year revenue growth (CAGR)
1.73%
3-year earnings per share growth (CAGR)
8.84%
10-year earnings per share growth (CAGR)
2.74%
What the Analysts think about BFH
Analyst ratings (Buy, Hold, Sell) for Bread Financial Holdings stock.
Bulls say / Bears say
Bread Financial delivered third-quarter EPS of $4.02, surpassing the Zacks consensus estimate of $2.11 by over 90%, driven by strong credit sales and disciplined expense management (Associated Press).
The company’s credit quality improved with its net loss rate declining to 8.0% and its delinquency rate falling to 5.7% year-over-year as of May 31, 2025, demonstrating effective risk management amid a challenging macroeconomic backdrop (GlobeNewswire).
Keefe, Bruyette & Woods maintained an Outperform rating and an average price target of $71.79, implying roughly 30.8% upside from current levels, reflecting confidence in Bread Financial’s strategic initiatives and near-term earnings potential (Nasdaq).
BFH shares have declined by 9.7% year-to-date, underperforming both the S&P 600 and its Finance-Card/Payment Processing peers, reflecting lingering investor skepticism over the company’s growth prospects (CNBC).
Bread Financial carries a highly leveraged balance sheet with a debt-to-equity ratio of 554.86%, which may amplify funding-cost pressures amid a rising interest-rate environment (CNBC).
Average credit card and other loans fell by 1% year-over-year as of May 31, 2025, indicating softer consumer spending and potential headwinds to loan‐book growth (GlobeNewswire).
Data summarised monthly by Lightyear AI. Last updated on 9 Nov 2025.
BFH Financial Performance
Revenues and expenses
BFH Earnings Performance
Company profitability
BFH News
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FAQs
What’s the current market cap for Bread Financial Holdings stock?
Bread Financial Holdings (BFH) has a market cap of $2.9B as of November 09, 2025.
What is the P/E ratio for Bread Financial Holdings stock?
The price to earnings (P/E) ratio for Bread Financial Holdings (BFH) stock is 6.57 as of November 09, 2025.
Does Bread Financial Holdings stock pay dividends?
Yes, the Bread Financial Holdings (BFH) stock pays dividends to shareholders. As of November 09, 2025, the dividend rate is $0.84 and the yield is 1.32%. Bread Financial Holdings has a payout ratio of 8.92% on a trailing twelve-month basis.
When is the next Bread Financial Holdings dividend payment date?
The next Bread Financial Holdings (BFH) dividend payment is scheduled for December 12, 2025.
What is the beta indicator for Bread Financial Holdings?
Bread Financial Holdings (BFH) has a beta rating of 1.32. This means that it is more volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 2 would indicate the stock moves twice as much as the market.