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Bread Financial Holdings, Inc. BFH

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Price alert · BFH

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103.41 USD -2.25 -2.13%

At close

103.95 +0.54 +0.52%

Pre-market · Nov 2, 7:50 AM ET

Bid
103.33 × 1
Ask
103.55 × 1
101.72 Day range 104.83
59.26 52-week range 114.53
YTD
+39.69%
1 year
+67.03%
Open
104.03
Prev close
105.66
Mkt cap
3.93B
Vol
613.58K
Avg vol
526.60K
EPS
12.76
P/E
8.10
Div yield
0.87%
More statistics
Low
101.72
High
104.83
Forward P/E
7.46
Beta
1.18
Short ratio
0.07
Inst. own
111.01%
Dividend
1.00
Ex-div date
Nov 29, 2026
Earnings
Jan 28, 2027
50-d avg
103.80
200-d avg
91.58
1y target
115.25

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Financial health

Altman Z-Score

-0.04 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

8 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A-4 / 5 overall

  • DCF 3
  • Return on Equity 4
  • Return on Assets 4
  • Debt / Equity 2
  • P/E 4
  • P/B 3

Valuation

P/E 6.7×
FY 2016: 24.7×FY 2017: 14.3×FY 2018: 6.8×FY 2019: 7.8×FY 2020: 13.2×FY 2021: 4.1×FY 2022: 8.4×FY 2023: 2.3×FY 2024: 10.9×FY 2025: 6.7×
FY 2016 5y median 6.7× FY 2025
P/S 0.7×
FY 2016: 1.5×FY 2017: 2.1×FY 2018: 1.2×FY 2019: 1.3×FY 2020: 0.9×FY 2021: 1.0×FY 2022: 0.4×FY 2023: 0.3×FY 2024: 0.6×FY 2025: 0.7×
FY 2016 5y median 0.6× FY 2025
P/B 1.0×
FY 2016: 6.4×FY 2017: 6.1×FY 2018: 2.8×FY 2019: 2.8×FY 2020: 1.9×FY 2021: 1.6×FY 2022: 0.8×FY 2023: 0.6×FY 2024: 1.0×FY 2025: 1.0×
FY 2016 5y median 1.0× FY 2025
P/FCF 1.6×
FY 2016: 5.7×FY 2017: 4.7×FY 2018: 2.6×FY 2019: 4.2×FY 2020: 1.5×FY 2021: 2.3×FY 2022: 1.1×FY 2023: 0.8×FY 2024: 1.6×FY 2025: 1.6×
FY 2016 5y median 1.6× FY 2025
EV/EBITDA 5.9×
FY 2016: 15.8×FY 2017: 14.1×FY 2018: 9.5×FY 2019: 11.1×FY 2020: 15.9×FY 2021: 6.7×FY 2022: 14.8×FY 2023: 3.2×FY 2024: 10.7×FY 2025: 5.9×
FY 2016 5y median 6.7× FY 2025
EV/Sales 0.9×
FY 2016: 3.0×FY 2017: 4.0×FY 2018: 2.8×FY 2019: 3.3×FY 2020: 2.6×FY 2021: 2.4×FY 2022: 1.4×FY 2023: 0.7×FY 2024: 1.0×FY 2025: 0.9×
FY 2016 5y median 1.0× FY 2025
FCF Yield 62.9%
FY 2016: 17.6%FY 2017: 21.2%FY 2018: 38.9%FY 2019: 24.0%FY 2020: 64.7%FY 2021: 44.1%FY 2022: 94.7%FY 2023: 121.1%FY 2024: 61.4%FY 2025: 62.9%
FY 2016 5y median 62.9% FY 2025

Profitability

Gross Margin 63.3%
FY 2016: 34.1%FY 2017: 46.6%FY 2018: 45.7%FY 2019: 69.4%FY 2020: 59.1%FY 2021: 51.3%FY 2022: 52.0%FY 2023: 59.3%FY 2024: 50.9%FY 2025: 63.3%
FY 2016 5y median 52.0% FY 2025
Operating Margin 13.1%
FY 2016: 17.7%FY 2017: 27.7%FY 2018: 31.0%FY 2019: 39.1%FY 2020: 26.9%FY 2021: 31.9%FY 2022: 6.9%FY 2023: 18.7%FY 2024: 7.9%FY 2025: 13.1%
FY 2016 5y median 13.1% FY 2025
Net Margin 11.0%
FY 2016: 7.2%FY 2017: 14.4%FY 2018: 17.0%FY 2019: 8.3%FY 2020: 6.5%FY 2021: 24.5%FY 2022: 5.1%FY 2023: 13.9%FY 2024: 5.8%FY 2025: 11.0%
FY 2016 5y median 11.0% FY 2025
ROE 15.6%
FY 2016: 31.1%FY 2017: 42.5%FY 2018: 41.3%FY 2019: 17.5%FY 2020: 14.1%FY 2021: 38.4%FY 2022: 9.8%FY 2023: 24.6%FY 2024: 9.1%FY 2025: 15.6%
FY 2016 5y median 15.6% FY 2025
ROIC 6.5%
FY 2016: 4.2%FY 2017: 5.0%FY 2018: 6.3%FY 2019: 5.6%FY 2020: 5.5%FY 2021: 8.1%FY 2022: 2.1%FY 2023: 8.6%FY 2024: 3.1%FY 2025: 6.5%
FY 2016 5y median 6.5% FY 2025
ROA 2.3%
FY 2016: 2.0%FY 2017: 2.6%FY 2018: 3.2%FY 2019: 1.0%FY 2020: 0.9%FY 2021: 3.7%FY 2022: 0.9%FY 2023: 3.1%FY 2024: 1.2%FY 2025: 2.3%
FY 2016 5y median 2.3% FY 2025

Growth (YoY)

Revenue -2.1%
FY 2016: 10.8%FY 2017: -23.3%FY 2018: 3.5%FY 2019: -40.9%FY 2020: -1.5%FY 2021: -0.8%FY 2022: 33.7%FY 2023: 18.3%FY 2024: -7.3%FY 2025: -2.1%
FY 2016 FY 2025
Operating Income 61.2%
FY 2016: 0.3%FY 2017: 19.9%FY 2018: 15.8%FY 2019: -25.6%FY 2020: -32.0%FY 2021: 17.5%FY 2022: -71.3%FY 2023: 222.7%FY 2024: -60.6%FY 2025: 61.2%
FY 2016 FY 2025
EPS (diluted) 99.3%
FY 2016: -17.1%FY 2017: 92.1%FY 2018: 24.0%FY 2019: -34.5%FY 2020: -61.0%FY 2021: 259.2%FY 2022: -72.2%FY 2023: 222.0%FY 2024: -61.7%FY 2025: 99.3%
FY 2016 FY 2025
Free Cash Flow 12.5%
FY 2016: 31.1%FY 2017: 26.7%FY 2018: 7.2%FY 2019: -57.9%FY 2020: 70.1%FY 2021: -20.2%FY 2022: 22.0%FY 2023: 11.6%FY 2024: -6.4%FY 2025: 12.5%
FY 2016 FY 2025

Financial Health

Current Ratio 0.3×
FY 2016: 2.1×FY 2017: 2.4×FY 2018: 2.2×FY 2019: 2.0×FY 2020: 0.3×FY 2021: 1.7×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 0.3×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 0.3×
FY 2016: 2.1×FY 2017: 2.4×FY 2018: 2.1×FY 2019: 2.0×FY 2020: 0.3×FY 2021: 1.7×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 0.3×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 1.3×
FY 2016: 7.6×FY 2017: 8.0×FY 2018: 5.7×FY 2019: 6.6×FY 2020: 5.7×FY 2021: 3.6×FY 2022: 3.6×FY 2023: 1.9×FY 2024: 1.9×FY 2025: 1.3×
FY 2016 5y median 1.9× FY 2025
Net Debt / EBITDA 1.1×
FY 2016: 7.9×FY 2017: 6.9×FY 2018: 5.6×FY 2019: 6.6×FY 2020: 10.8×FY 2021: 3.9×FY 2022: 10.3×FY 2023: 1.7×FY 2024: 4.3×FY 2025: 1.1×
FY 2016 5y median 3.9× FY 2025
Interest Coverage 0.7×
FY 2016: 5.8×FY 2017: 8.7×FY 2018: 11.2×FY 2019: 2.0×FY 2020: 1.8×FY 2021: 2.7×FY 2022: 0.6×FY 2023: 1.1×FY 2024: 0.4×FY 2025: 0.7×
FY 2016 5y median 0.7× FY 2025

Dividends

Dividend Yield 1.3%
FY 2016: 0.3%FY 2017: 1.0%FY 2018: 1.9%FY 2019: 2.8%FY 2020: 2.2%FY 2021: 1.3%FY 2022: 2.3%FY 2023: 2.6%FY 2024: 1.4%FY 2025: 1.3%
FY 2016 5y median 1.4% FY 2025
Payout Ratio 8.1%
FY 2016: 5.8%FY 2017: 14.6%FY 2018: 13.0%FY 2019: 45.8%FY 2020: 28.5%FY 2021: 5.2%FY 2022: 19.3%FY 2023: 5.8%FY 2024: 15.5%FY 2025: 8.1%
FY 2016 5y median 8.1% FY 2025

Annual · latest fiscal year ends 2025-12-31