BREAD FINANCIAL HOLDINGS, INC.
BREAD FINANCIAL HOLDINGS, INC.
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Financial Statements
Values in Millions ($) | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Data beyond 3 years is for subscribers only. Unlock 17+ years of financial data Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Assets | |||||||||||||||||
Cash And Cash Equivalents At Carrying Value | 3,637 | 3,604 | 3,764 | 3,799 | 4,212 | 3,679 | 3,451 | 4,053 | 3,789 | 3,590 | 3,380 | 3,325 | |||||
Loans And Leases Receivab… | |||||||||||||||||
Financing Receivable Allowance For Credit Losses | -2,078 | -2,106 | -2,070 | -2,098 | -2,172 | -2,241 | -2,190 | -2,164 | -2,255 | -2,328 | -2,207 | -2,208 | |||||
Investments | 286 | 284 | 284 | 277 | 272 | 266 | 277 | 264 | 258 | 253 | 240 | 239 | |||||
Property Plant And Equipment Net | 112 | 117 | 122 | 127 | 133 | 142 | 148 | 157 | 166 | 167 | 160 | 162 | |||||
Intangible Assets Net Including Goodwill | 708 | 716 | 723 | 731 | 738 | 746 | 754 | 744 | 753 | 762 | 771 | 780 | |||||
Other Assets | 1,508 | 1,243 | 1,236 | 1,329 | 1,384 | 1,403 | 1,363 | 1,347 | 1,403 | 1,364 | 1,342 | 1,349 | |||||
Assets | 22,308 | 22,663 | 21,714 | 21,821 | 22,382 | 22,891 | 21,736 | 22,144 | 22,299 | 23,141 | 21,608 | 21,609 | |||||
Deposits | 14,073 | 13,916 | 13,535 | 13,340 | 13,099 | 13,082 | 12,847 | 12,994 | 13,327 | 13,620 | 13,268 | 13,048 | |||||
Other Liabilities | 1,032 | 1,112 | 1,075 | 1,088 | 1,094 | 1,201 | 1,193 | 1,226 | 1,288 | 1,311 | 1,253 | 1,127 | |||||
Liabilities | 18,983 | 19,336 | 18,397 | 18,655 | 19,314 | 19,840 | 18,624 | 18,974 | 19,267 | 20,223 | 18,744 | 18,873 | |||||
Stockholders Equity | |||||||||||||||||
Preferred Stock Value | 0 | 0 | - | - | - | 0 | - | - | - | - | - | - | |||||
Common Stock Value | 0 | 0 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | 1 | |||||
Additional Paid In Capital | - | - | - | - | - | - | - | - | - | 2,169 | - | - | |||||
Additional Paid In Capital Common Stock | 1,699 | 1,868 | 1,900 | 1,929 | 1,960 | 2,073 | 2,124 | 2,179 | 2,163 | 2,169 | 2,155 | 2,181 | |||||
Retained Earnings Accumulated Deficit | 1,643 | 1,475 | 1,432 | 1,255 | 1,126 | 999 | 1,003 | 1,012 | 890 | 767 | 735 | 574 | |||||
Accumulated Other Comprehensive Income Loss Net Of… | -17 | -16 | -16 | -19 | -19 | -22 | -16 | -22 | -22 | -19 | -27 | -20 | |||||
Stockholders Equity | 3,325 | 3,327 | 3,317 | 3,166 | 3,068 | 3,051 | 3,112 | 3,170 | 3,032 | 2,918 | 2,864 | 2,736 | |||||
Liabilities And Stockholders Equity | 22,308 | 22,663 | 21,714 | 21,821 | 22,382 | 22,891 | 21,736 | 22,144 | 22,299 | 23,141 | 21,608 | 21,609 | |||||
Variable Interest Entity Primary Beneficiary | 10,091 | 10,708 | -1,179 | -495 | 11,674 | 12,408 | -135 | -279 | 12,058 | 12,844 | 1,350 | -1,422 | |||||
Investments Fair Value Disclosure | 222 | - | 223 | 224 | 220 | - | 230 | 224 | 221 | 217 | - | - | |||||
Trading Securities | 222 | 221 | - | - | - | 217 | - | - | - | 217 | - | - | |||||
Preferred Stock Par Or Stated Value Per Share | 0.01 | 0.01 | - | - | - | 0.01 | - | - | - | - | - | - | |||||
Preferred Stock Shares Authorized | 0 | 0 | - | - | - | 0 | - | - | - | - | - | - | |||||
Preferred Stock Shares Issued | 0 | 0 | - | - | - | 0 | - | - | - | - | - | - | |||||
Preferred Stock Shares Outstanding | 0 | 0 | - | - | - | 0 | - | - | - | - | - | - | |||||
Common Stock Par Or Stated Value Per Share | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | |||||
Accumulated Depreciation Depletion And Amortizatio… | - | - | - | - | - | - | - | - | - | 343 | - | - | |||||
Common Stock Shares Authorized | 200 | 200 | 200 | 200 | 200 | 200 | 200 | 200 | 200 | 200 | 200 | 200 | |||||
Common Stock Shares Issued | 83 | 88 | 92 | 93 | 95 | 98 | 99 | 99 | 99 | 99 | 99 | 100 | |||||
Shares Outstanding | 41 | 44 | - | - | - | 49 | - | - | - | - | - | - | |||||
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Interactive Financial Visualizations
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Earnings Market Reaction
| Fiscal Year | Q1 1 Month | Q1 2 Month | Q1 3 Month | Q2 1 Month | Q2 2 Month | Q2 3 Month | Q3 1 Month | Q3 2 Month | Q3 3 Month | Q4 1 Month | Q4 2 Month | Q4 3 Month |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 2026 | 0.32% | 18.95% | 15.35% | - | - | - | - | - | - | - | - | - |
| 2025 | 4.85% | 12.09% | 26.79% | -0.31% | 1.45% | -5.63% | -0.01% | 20.55% | 13.95% | 0.07% | 1.19% | 18.26% |
| 2024 | 2.16% | 7.24% | 23.70% | 11.82% | 3.78% | 1.17% | 16.90% | 26.34% | 23.86% | -22.00% | -32.90% | -21.62% |
| 2023 | 20.34% | 19.28% | 47.96% | -7.04% | -14.00% | -28.04% | 0.81% | 22.54% | 15.31% | -1.43% | -9.14% | 8.41% |
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Performance and Valuation Metrics
Metrics | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | 2024-09-30 | 2024-06-30 | 2024-03-31 | 2023-12-31 | 2023-09-30 | 2023-06-30 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Data beyond 3 years is for subscribers only. Unlock 17+ years of financial data Start 7-day free trial |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Leverage & Debt | |||||||||||||||||
| Interest Coverage TTM | -0.84 | -0.85 | -0.87 | -0.91 | -0.90 | -0.73 | -0.44 | 0.19 | 1.55 | 2.08 | 1.86 | 1.92 | |||||
Per Share Metrics | |||||||||||||||||
| Diluted EPS TTM | 12.94 | 10.88 | 9.96 | 6.08 | 5.67 | 5.50 | 6.14 | 9.60 | 7.99 | 14.36 | 10.80 | 10.02 | |||||
| Free Cash Flow Per Share TTM | 51.07 | 44.70 | 43.08 | 39.70 | 36.84 | 37.48 | 40.18 | 43.75 | 41.13 | 39.90 | 37.11 | 36.35 | |||||
| Dividend Per Share TTM | 0.89 | 0.85 | 1.38 | 1.20 | 0.94 | 0.91 | 0.87 | 0.87 | 0.89 | 0.88 | 0.92 | 0.94 | |||||
Margin Metrics | |||||||||||||||||
| Gross Profit Margin TTM | 78.89% | 77.79% | 76.65% | 75.94% | 75.45% | 74.99% | 69.87% | 70.76% | 71.76% | 74.42% | 80.53% | 82.32% | |||||
| Operating Profit Margin TTM | 16.98% | 15.99% | 14.23% | 10.09% | 10.22% | 9.93% | 10.87% | 15.38% | 12.98% | 22.57% | 17.24% | 16.60% | |||||
| Net Profit Margin TTM | 14.36% | 13.47% | 12.46% | 7.54% | 7.36% | 7.22% | 7.96% | 12.12% | 9.95% | 16.74% | 12.57% | 11.85% | |||||
Growth Metrics | |||||||||||||||||
| Net Revenue Growth (1Y) | 1.99% | 0.18% | -3.44% | -4.30% | -4.36% | -10.52% | -8.71% | -6.47% | -4.84% | 12.10% | 18.01% | 12.86% | |||||
| Net Income Growth (1Y) | 98.93% | 87.00% | 51.12% | -40.46% | -29.22% | -61.42% | -42.14% | -4.37% | -15.17% | 221.97% | 45.04% | 8.86% | |||||
| EPS Growth (1Y) | 127.75% | 98.19% | 61.52% | -36.76% | -28.50% | -61.27% | -41.91% | -3.40% | -14.31% | 222.62% | 44.75% | 8.20% | |||||
Valuation Metrics | |||||||||||||||||
| P/E TTM | 5.72 | 6.65 | 5.43 | 9.18 | 8.59 | 10.71 | 7.38 | 4.46 | 4.49 | 2.20 | 3.01 | 2.96 | |||||
| P/B TTM | 0.96 | 1.04 | 0.77 | 0.83 | 0.79 | 0.97 | 0.74 | 0.68 | 0.59 | 0.54 | 0.57 | 0.55 | |||||
| P/S TTM | 0.82 | 0.90 | 0.68 | 0.69 | 0.63 | 0.77 | 0.59 | 0.54 | 0.45 | 0.37 | 0.38 | 0.35 | |||||
| Market Cap | 3.20B | 3.45B | 2.57B | 2.63B | 2.41B | 2.97B | 2.31B | 2.15B | 1.78B | 1.58B | 1.63B | 1.49B | |||||
| Enterprise Value | -440.04M | -182.43M | -1.21B | -1.18B | -1.82B | -746.46M | -1.14B | -1.92B | -2.01B | -2.04B | -1.77B | -1.86B | |||||
Calculated Values | |||||||||||||||||
| Free Cash Flow TTM | 2.19B | 2.09B | 2.00B | 1.85B | 1.81B | 1.86B | 2.00B | 2.17B | 2.04B | 1.99B | 1.85B | 1.82B | |||||
| Net Debt | -3.64B | -3.63B | -3.78B | -3.82B | -4.24B | -3.71B | -3.45B | -4.07B | -3.79B | -3.62B | -3.40B | -3.35B | |||||
Per-Share and Margin | |||||||||||||||||
| EPS TTM | |||||||||||||||||
| Adjusted EPS TTM | |||||||||||||||||
| Cash Flow Per Share TTM | |||||||||||||||||
| Pretax Margin TTM | |||||||||||||||||
| Stock Comp to Revenue TTM | |||||||||||||||||
Turnover Ratios and Averages | |||||||||||||||||
| Average Assets | |||||||||||||||||
| Average Equity | |||||||||||||||||
| Average Inventory | |||||||||||||||||
| Average Receivables | |||||||||||||||||
| Average Accounts Payables | |||||||||||||||||
| Inventory Turnover TTM | |||||||||||||||||
| Payables Turnover TTM | |||||||||||||||||
| Days Inventory Outstanding TTM | |||||||||||||||||
| Days Payables Outstanding TTM | |||||||||||||||||
| Cash Conversion Cycle TTM | |||||||||||||||||
| Working Capital to Revenue | |||||||||||||||||
| Deferred Revenue to Revenue | |||||||||||||||||
Growth Rates | |||||||||||||||||
| Total Assets Growth (1Y) | |||||||||||||||||
| Total Assets Growth (3Y) | |||||||||||||||||
| Total Assets Growth (5Y) | |||||||||||||||||
| Dividends Paid Growth (1Y) | |||||||||||||||||
| Dividends Paid Growth (3Y) | |||||||||||||||||
| Dividends Paid Growth (5Y) | |||||||||||||||||
| EPS Growth (3Y) | |||||||||||||||||
| EPS Growth (5Y) | |||||||||||||||||
| Net Income Growth (3Y) | |||||||||||||||||
| Net Income Growth (5Y) | |||||||||||||||||
| Net Profit Margin Growth (1Y) | |||||||||||||||||
| Net Profit Margin Growth (3Y) | |||||||||||||||||
| Net Profit Margin Growth (5Y) | |||||||||||||||||
| Net Revenue Growth (3Y) | |||||||||||||||||
| Net Revenue Growth (5Y) | |||||||||||||||||
| Deferred Revenue Growth (1Y) | |||||||||||||||||
| Retained Earnings Growth (1Y) | |||||||||||||||||
Credit, Liquidity, Returns, Payout | |||||||||||||||||
| Cash Ratio | |||||||||||||||||
| Net Working Capital | |||||||||||||||||
| Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to EBITDA TTM | |||||||||||||||||
| Net Debt to Equity | |||||||||||||||||
| Altman A | |||||||||||||||||
| Altman B | |||||||||||||||||
| Altman C | |||||||||||||||||
| Altman D | |||||||||||||||||
| Altman E | |||||||||||||||||
| Altman Z-Score | |||||||||||||||||
| ROA TTM | |||||||||||||||||
| ROE TTM | |||||||||||||||||
| NOPAT TTM | |||||||||||||||||
| ROIC TTM | |||||||||||||||||
| Effective Tax Rate TTM | |||||||||||||||||
| Payout Ratio TTM | |||||||||||||||||
| Dilution Ratio | |||||||||||||||||
| Retained Earnings to Equity | |||||||||||||||||
| Treasury Stock to Equity | |||||||||||||||||
| Treasury Stock Change (1Y) | |||||||||||||||||
| Accrued to Current Liabilities | |||||||||||||||||
Valuation Ratios | |||||||||||||||||
| P/CF TTM | |||||||||||||||||
| Dividend Yield TTM | |||||||||||||||||
| Free Cash Flow Yield TTM | |||||||||||||||||
| EV EBITDA TTM | |||||||||||||||||
| EV EBIT TTM | |||||||||||||||||
| Stock Compensation TTM | |||||||||||||||||
| Adjusted Net Income TTM | |||||||||||||||||
| Billings TTM | |||||||||||||||||
| Total Debt | |||||||||||||||||
| Invested Capital | |||||||||||||||||
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Insider Transactions
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Institutional Ownership
BREAD FINANCIAL HOLDINGS, INC. (BFH) — SEC Financial Statements & Analysis
BREAD FINANCIAL HOLDINGS, INC. (BFH) is a personal credit institutions company, incorporated in DE. BREAD FINANCIAL HOLDINGS, INC. trades on BFH-PA: NYSE as: BFH: NYSE. Based on its latest SEC filing (Form 10-Q, period ending 2026-03-31), BREAD FINANCIAL HOLDINGS, INC. reported a 1.99% year-over-year revenue growth, a Gross Profit Margin of 78.89% (TTM), a Price-to-Sales (P/S) ratio of 0.82x (TTM), a Price-to-Book (P/B) ratio of 0.96 (TTM), at a market cap of $3.20B. Figures below are sourced from SEC EDGAR, as-filed.
- Net Revenue TTM Growth 1Y
- 1.99%
- Gross Profit Margin TTM
- 78.89%
- P/S TTM
- 0.82x
- P/B TTM
- 0.96
- Market Cap
- $3.20B
Data as of 2026-03-31 · Source: SEC EDGAR
Frequently Asked Questions
What industry is BREAD FINANCIAL HOLDINGS, INC. in?
BREAD FINANCIAL HOLDINGS, INC. (BFH) operates in the Personal Credit Institutions industry.
What is BFH's market cap?
BREAD FINANCIAL HOLDINGS, INC. (BFH) has a market capitalization of $3.20B as of 2026-03-31.
What is BFH's P/E ratio?
BREAD FINANCIAL HOLDINGS, INC. (BFH)'s trailing twelve month P/E ratio is 5.72x as of 2026-03-31.
What exchange does BFH trade on?
BREAD FINANCIAL HOLDINGS, INC. (BFH) trades on the BFH-PA: NYSE.
Where is BREAD FINANCIAL HOLDINGS, INC. incorporated?
BREAD FINANCIAL HOLDINGS, INC. is incorporated in DE.