Bread Financial Holdings/$BFH
1D1W1MYTD1Y5YMAX
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 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
- Finance
- Primary listing
- NYSE
- Employees
- 6,000
- Headquarters
- Columbus, United States
- Website
- www.breadfinancial.com
BFH Metrics
BasicAdvanced
$4.2B
8.48
$12.76
1.13
$0.92
0.85%
Price and volume
Market cap
$4.2B
Beta
1.13
52-week high
$114.53
52-week low
$53.83
Average daily volume
438K
Dividend rate
$0.92
Financial strength
Dividend payout ratio (TTM)
7.89%
Profitability
Net profit margin (TTM)
21.36%
Operating margin (TTM)
28.37%
Effective tax rate (TTM)
16.69%
Revenue per employee (TTM)
$440,000
Management effectiveness
Return on assets (TTM)
2.57%
Return on equity (TTM)
17.42%
Valuation
Price to earnings (TTM)
8.48
Price to revenue (TTM)
1.766
Price to book
1.24
Price to tangible book (TTM)
1.57
Price to free cash flow (TTM)
2.149
Free cash flow yield (TTM)
46.54%
Free cash flow per share (TTM)
50.356
Dividend yield (TTM)
0.85%
Forward dividend yield
0.85%
Growth
Revenue change (TTM)
8.81%
Earnings per share change (TTM)
121.53%
3-year revenue growth (CAGR)
-1.77%
3-year earnings per share growth (CAGR)
8.32%
10-year earnings per share growth (CAGR)
4.74%
3-year dividend per share growth (CAGR)
2.33%
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
Q2 showed solid operating momentum: revenue rose 7% year over year, net income increased 5% to $146 million, PPNR grew 14%, and average loans increased 3%, supporting the company’s improved 2026 outlook. (Bread Financial)
Credit trends improved into July: average loans grew 4.9% year over year, the net principal loss rate declined to 6.80% from 7.63%, and the delinquency rate fell to 5.35% from 5.82%. (Bread Financial)
Capital generation and growth initiatives support shareholder upside: Bread repurchased 2.8 million shares in Q2, retained $449 million under its buyback authorization, and expanded its branded-card opportunity through the NFL Extra Points program across 18 NFL teams on the American Express network. (Bread Financial; Bread Financial)
Credit performance remains a key risk despite recent improvement: Q2 delinquency was 5.25% and the net loss rate was 6.98%, while higher loan balances also drove a higher provision for credit losses. (Bread Financial)
Bread Financial’s funding and capital-return strategy carries meaningful costs: during Q2 it issued $135 million of 8.875% preferred stock while repurchasing $241 million of common shares, potentially increasing the hurdle for sustaining common-shareholder returns. (Bread Financial)
The company remains highly exposed to U.S. consumer-credit conditions, partner demand and regulatory changes affecting card interest rates, late fees and other charges; Bread Financial itself identifies these as material risks. (Bread Financial)
Data summarised monthly by Lightyear AI. Last updated on 11 Sept 2026.
BFH Financial Performance
Revenues and expenses
BFH Earnings Performance
Company profitability
Upcoming events
No upcoming events
BFH News
AllArticlesVideos
Funds containing BFH
AllUSDGBPEUR
Fund name | Fund size | $BFH weighting |
|---|---|---|
iShares S&P SmallCap 600$IDP6 | $3.2B | 0.16% |
iShares S&P Small Cap 600£ISP6 | £2.4B | 0.16% |
SPDR Russell 2000 US Small Cap€R2US | €4.8B | 0.15% |
iShares MSCI World Small Cap$WSML | $9B | 0.02% |
iShares MSCI World Small Cap€IUSN | €7.8B | 0.02% |
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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