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
$3B
6.76
$9.68
1.44
$0.84
1.28%
Price and volume
Market cap
$3B
Beta
1.44
52-week high
$68.01
52-week low
$38.21
Average daily volume
786K
Dividend rate
$0.84
Financial strength
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)
6.764
Price to revenue (TTM)
1.252
Price to book
0.91
Price to tangible book (TTM)
1.16
Dividend yield (TTM)
1.28%
Forward dividend yield
1.28%
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%
3-year dividend per share growth (CAGR)
0.79%
What the Analysts think about BFH
Analyst ratings (Buy, Hold, Sell) for Bread Financial Holdings stock.
Bulls say / Bears say
Bread Financial posted Q2 2025 EPS of $3.14 compared to the Zacks consensus of $1.85, a 69.7% earnings beat that highlights strong profitability in its credit card business (Nasdaq)
The Board authorized a new $200 million share buyback program with no set expiration, reflecting management’s confidence in the company’s valuation and its approach to capital allocation (GlobeNewswire)
Keefe, Bruyette & Woods maintained an Outperform rating on BFH with a $71.79 one-year price target, indicating a 30.8% upside and continued analyst confidence in Bread Financial’s growth outlook (Nasdaq)
Q2 2025 revenue fell 1% year-over-year to $929 million, missing analyst consensus by 0.92%, which points to possible weakness in consumer spending and fee income (Nasdaq)
Goldman Sachs reiterated its Sell rating on BFH with a $56 price target, cautioning that broad-based growth drivers may not be enough to counter margin pressures, especially in noninterest income (Investing.com)
In August 2025, Zacks Research cut its Q3 2025 EPS forecast for Bread Financial to $1.87 from $2.14, suggesting analysts expect more moderate earnings in the near term (MarketBeat)
Data summarised monthly by Lightyear AI. Last updated on 7 Oct 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 $3B as of October 26, 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 6.76 as of October 26, 2025.
Does Bread Financial Holdings stock pay dividends?
Yes, the Bread Financial Holdings (BFH) stock pays dividends to shareholders. As of October 26, 2025, the dividend rate is $0.84 and the yield is 1.28%. Bread Financial Holdings has a payout ratio of 0% 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 1.44. 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.