BREAD FINANCIAL HOLDINGS, INC.

BFH

BREAD FINANCIAL HOLDINGS, INC.

BFH

Insider Sentiment (TTM):

Last Purchase:2026-05-21Last Sale:2026-05-29Shares Purchased (TTM):698Shares Sold (TTM):24,687

Institutional Sentiment:

As of:2026-03-31Institutional Shares Owned:44,332,258Shares Outstanding:42,800,000Institutional Ownership Pct.:103.58%

Earnings Market Reaction:

Filing Date:2026-07-28Price on Filing Date:N/APrevious Close:N/A% Change:N/A

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Financial Statements

10‑Q10‑K

Values in Millions ($)	2026-06-30	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
Assets
Cash And Cash Equivalents At Carrying Value	3,683	3,637	3,604	3,764	3,799	4,212	3,679	3,451	4,053	3,789	3,590	3,380
Loans And Leases Receivab…
Financing Receivable Allowance For Credit Losses	-2,075	-2,078	-2,106	-2,070	-2,098	-2,172	-2,241	-2,190	-2,164	-2,255	-2,328	-2,207
Investments	288	286	284	284	277	272	266	277	264	258	253	240
Property Plant And Equipment Net	104	112	117	122	127	133	142	148	157	166	167	160
Intangible Assets Net Including Goodwill	701	708	716	723	731	738	746	754	744	753	762	771
Other Assets	1,274	1,508	1,243	1,236	1,329	1,384	1,403	1,363	1,347	1,403	1,364	1,342
Assets	22,452	22,308	22,663	21,714	21,821	22,382	22,891	21,736	22,144	22,299	23,141	21,608
Deposits	14,732	14,073	13,916	13,535	13,340	13,099	13,082	12,847	12,994	13,327	13,620	13,268
Other Liabilities	1,070	1,032	1,112	1,075	1,088	1,094	1,201	1,193	1,226	1,288	1,311	1,253
Liabilities	19,087	18,983	19,336	18,397	18,655	19,314	19,840	18,624	18,974	19,267	20,223	18,744
Stockholders Equity
Preferred Stock Value	0	0	0	-	-	-	0	-	-	-	-	-
Common Stock Value	0	0	0	1	1	1	1	1	1	1	1	1
Additional Paid In Capital	-	-	-	-	-	-	-	-	-	-	2,169	-
Additional Paid In Capital Common Stock	1,603	1,699	1,868	1,900	1,929	1,960	2,073	2,124	2,179	2,163	2,169	2,155
Retained Earnings Accumulated Deficit	1,779	1,643	1,475	1,432	1,255	1,126	999	1,003	1,012	890	767	735
Accumulated Other Comprehensive Income Loss Net Of…	-17	-17	-16	-16	-19	-19	-22	-16	-22	-22	-19	-27
Stockholders Equity	3,365	3,325	3,327	3,317	3,166	3,068	3,051	3,112	3,170	3,032	2,918	2,864
Liabilities And Stockholders Equity	22,452	22,308	22,663	21,714	21,821	22,382	22,891	21,736	22,144	22,299	23,141	21,608
Variable Interest Entity Primary Beneficiary	-57	10,091	10,708	-1,179	-495	11,674	12,408	-135	-279	12,058	12,844	1,350
Investments Fair Value Disclosure	-	222	-	223	224	220	-	230	224	221	217	-
Trading Securities	218	222	221	-	-	-	217	-	-	-	217	-
Preferred Stock Par Or Stated Value Per Share	0.01	0.01	0.01	-	-	-	0.01	-	-	-	-	-
Preferred Stock Shares Authorized	0	0	0	-	-	-	0	-	-	-	-	-
Preferred Stock Shares Issued	0	0	0	-	-	-	0	-	-	-	-	-
Preferred Stock Shares Outstanding	0	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	39	41	44	46	47	48	49	50	50	50	49	49
Shares Outstanding	39	41	44	-	-	-	49	-	-	-	-	-

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Earnings Market Reaction

10‑Q10‑K

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	-	-	-	-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

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Metrics	2026-06-30	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
Leverage & Debt
Interest Coverage TTM	-0.84	-0.84	-0.85	-0.87	-0.91	-0.90	-0.73	-0.44	0.19	1.55	2.08	1.86
Per Share Metrics
Diluted EPS TTM	13.91	12.99	10.88	9.96	6.08	5.67	5.50	6.14	9.60	7.99	14.36	10.80
Free Cash Flow Per Share TTM	54.96	51.07	44.70	43.08	39.70	36.84	37.48	40.18	43.75	41.13	39.90	37.11
Dividend Per Share TTM	0.70	0.89	0.85	1.38	1.20	0.94	0.91	0.87	0.87	0.89	0.88	0.92
Margin Metrics
Gross Profit Margin TTM	79.86%	78.89%	77.79%	76.65%	75.94%	75.45%	74.99%	69.87%	70.76%	71.76%	74.42%	80.53%
Operating Profit Margin TTM	17.29%	16.98%	15.99%	14.23%	10.09%	10.22%	9.93%	10.87%	15.38%	12.98%	22.57%	17.24%
Net Profit Margin TTM	14.30%	14.41%	13.47%	12.46%	7.54%	7.36%	7.22%	7.96%	12.12%	9.95%	16.74%	12.57%
Growth Metrics
Net Revenue Growth (1Y)	3.94%	1.99%	0.18%	-3.44%	-4.30%	-4.36%	-10.52%	-8.71%	-6.47%	-4.84%	12.10%	18.01%
Net Income Growth (1Y)	97.21%	99.64%	87.00%	51.12%	-40.46%	-29.22%	-61.42%	-42.14%	-4.37%	-15.17%	221.97%	45.04%
EPS Growth (1Y)	130.82%	128.56%	98.19%	61.52%	-36.76%	-28.50%	-61.27%	-41.91%	-3.40%	-14.31%	222.62%	44.75%
Valuation Metrics
P/E TTM	7.64	5.70	6.65	5.43	9.18	8.59	10.71	7.38	4.46	4.49	2.20	3.01
P/B TTM	1.28	0.96	1.04	0.77	0.83	0.79	0.97	0.74	0.68	0.59	0.54	0.57
P/S TTM	1.09	0.82	0.90	0.68	0.69	0.63	0.77	0.59	0.54	0.45	0.37	0.38
Market Cap	4.32B	3.20B	3.45B	2.57B	2.63B	2.41B	2.97B	2.31B	2.15B	1.78B	1.58B	1.63B
Enterprise Value	640.16M	-440.04M	-182.43M	-1.21B	-1.18B	-1.82B	-746.46M	-1.14B	-1.92B	-2.03B	-2.04B	-1.77B
Calculated Values
Free Cash Flow TTM	2.19B	2.19B	2.09B	2.00B	1.85B	1.81B	1.86B	2.00B	2.17B	2.04B	1.99B	1.85B
Net Debt	-3.68B	-3.64B	-3.63B	-3.78B	-3.82B	-4.24B	-3.71B	-3.45B	-4.07B	-3.81B	-3.62B	-3.40B
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
NCAV
NCAV Per Share TTM
Valuation Ratios
P/CF TTM
PEG Ratio
Dividend Yield TTM
Free Cash Flow Yield TTM
EV EBITDA TTM
EV EBIT TTM
EV Revenue TTM
EV FCF TTM
Stock Compensation TTM
Adjusted Net Income TTM
Billings TTM
Total Debt
Invested Capital

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Insider Transactions

2026-05-29Sale

Owner: Andretta, Ralph J

Title: President and CEO

Shares: 15,000

Price/Share: $88.99

Value: $1,334,850.00

Shares Owned: 582,241

Relationship: Director,Officer

Ownership: Direct

2026-05-21Purchase

Owner: Fawcett, John J.

Title: -

Shares: 698

Price/Share: $86.43

Value: $60,328.14

Shares Owned: 11,000

Relationship: Director

Ownership: Direct

2026-04-24Sale

Owner: Ballou, Roger H

Title: -

Shares: 9,687

Price/Share: $90.32

Value: $874,929.84

Shares Owned: 30,079

Relationship: Director

Ownership: Direct

2025-07-30Purchase

Owner: Fawcett, John J.

Title: -

Shares: 1,027

Price/Share: $61.80

Value: $63,468.60

Shares Owned: 10,302

Relationship: Director

Ownership: Direct

2024-10-28Purchase

Owner: Fawcett, John J.

Title: -

Shares: 1,000

Price/Share: $51.02

Value: $51,020.00

Shares Owned: 6,473

Relationship: Director

Ownership: Direct

Filed Date	Owner	Relationship	Title	Ownership	Purchase/Sale	No. Shares	Price Per Share	Value	Shares Owned	Document Type
2026-05-29	Andretta, Ralph J	Director,Officer	President and CEO	Direct	Sale	15,000	88.99	$1,334,850.00	582,241	4
2026-05-21	Fawcett, John J.	Director	-	Direct	Purchase	698	86.43	$60,328.14	11,000	4
2026-04-24	Ballou, Roger H	Director	-	Direct	Sale	9,687	90.32	$874,929.84	30,079	4
2025-07-30	Fawcett, John J.	Director	-	Direct	Purchase	1,027	61.80	$63,468.60	10,302	4
2024-10-28	Fawcett, John J.	Director	-	Direct	Purchase	1,000	51.02	$51,020.00	6,473	4
2024-08-12	Fawcett, John J.	Director	-	Direct	Purchase	2,000	49.82	$99,640.00	5,473	4
2024-01-29	Turtle, Creek Asset Manag…	TenPercentOwner	-	Indirect	Sale	45,000	35.90	$1,615,500.00	293,092	4
2024-01-26	Turtle, Creek Asset Manag…	TenPercentOwner	-	Indirect	Sale	30,000	35.53	$1,065,900.00	295,787	4
2024-01-23	Turtle, Creek Asset Manag…	TenPercentOwner	-	Indirect	Sale	30,000	31.12	$933,600.00	301,176	4
2024-01-18	Turtle, Creek Asset Manag…	TenPercentOwner	-	Indirect	Sale	30,000	29.38	$881,400.00	306,566	4
2024-01-12	Turtle, Creek Asset Manag…	TenPercentOwner	-	Indirect	Sale	25,000	32.20	$805,000.00	311,957	4
2024-01-09	Turtle, Creek Asset Manag…	TenPercentOwner	-	Indirect	Sale	35,000	32.73	$1,145,550.00	316,448	4
2024-01-04	Turtle, Creek Asset Manag…	TenPercentOwner	-	Indirect	Sale	25,000	31.57	$789,250.00	320,041	4
2023-12-29	Turtle, Creek Asset Manag…	TenPercentOwner	-	Indirect	Sale	10,000	33.10	$331,000.00	324,532	4
2023-12-22	Turtle, Creek Asset Manag…	TenPercentOwner	-	Indirect	Sale	25,000	33.73	$843,250.00	327,527	4
2023-12-20	Turtle, Creek Asset Manag…	TenPercentOwner	-	Indirect	Sale	25,000	33.28	$832,000.00	330,521	4
2023-12-15	Turtle, Creek Asset Manag…	TenPercentOwner	-	Indirect	Sale	18,000	33.79	$608,220.00	333,276	4
2023-12-12	Turtle, Creek Asset Manag…	TenPercentOwner	-	Indirect	Sale	20,000	31.75	$635,000.00	336,510	4
2023-12-07	Turtle, Creek Asset Manag…	TenPercentOwner	-	Indirect	Sale	25,000	30.71	$767,750.00	340,702	4
2023-07-31	Ballou, Roger H	Director	-	Direct	Purchase	2,400	41.78	$100,272.00	34,842	4
2023-05-30	Turtle, Creek Asset Manag…	TenPercentOwner	-	Indirect	Purchase	400	29.89	$11,956.00	5,016	4
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Institutional Ownership

No data available for chart

2026-03-31

103.58%

Inst. Shares: 44,332,258

Shares Outstanding: 42,800,000

2025-12-31

96.00%

Inst. Shares: 44,927,681

Shares Outstanding: 46,800,000

2025-09-30

101.56%

Inst. Shares: 47,226,944

Shares Outstanding: 46,500,000

2025-06-30

100.77%

Inst. Shares: 47,059,686

Shares Outstanding: 46,700,000

2025-03-31

96.50%

Inst. Shares: 47,282,768

Shares Outstanding: 49,000,000

Date	Institutional Shares Owned	Shares Outstanding	Institutional Ownership %
2026-03-31	44,332,258	42,800,000	103.58%
2025-12-31	44,927,681	46,800,000	96.00%
2025-09-30	47,226,944	46,500,000	101.56%
2025-06-30	47,059,686	46,700,000	100.77%
2025-03-31	47,282,768	49,000,000	96.50%
2024-12-31	49,032,043	49,600,000	98.85%
2024-09-30	48,742,228	49,700,000	98.07%
2024-06-30	50,147,636	49,600,000	101.10%
2024-03-31	47,780,350	49,500,000	96.53%
2023-12-31	48,010,174	49,800,000	96.41%
2023-09-30	48,064,069	49,900,000	96.32%
2023-06-30	48,346,347	50,100,000	96.50%
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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 NYSE as: BFH, BFH-PA, BFH-PB. Based on its latest SEC filing (Form 10-Q, period ending 2026-06-30), BREAD FINANCIAL HOLDINGS, INC. reported a 3.94% year-over-year revenue growth, a Gross Profit Margin of 79.86% (TTM), a Price-to-Sales (P/S) ratio of 1.09x (TTM), a Price-to-Book (P/B) ratio of 1.28x (TTM), at a market cap of $4.32B. Figures below are sourced from SEC EDGAR, as-filed.

Net Revenue TTM Growth 1Y: 3.94%
Gross Profit Margin TTM: 79.86%
P/S TTM: 1.09x
P/B TTM: 1.28x
Market Cap: $4.32B

Data as of 2026-06-30 · 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 $4.32B as of 2026-06-30.

What is BFH's P/E ratio?

BREAD FINANCIAL HOLDINGS, INC. (BFH)'s trailing twelve month P/E ratio is 7.64x as of 2026-06-30.

What exchange does BFH trade on?

BREAD FINANCIAL HOLDINGS, INC. (BFH) trades on the NYSE.

Where is BREAD FINANCIAL HOLDINGS, INC. incorporated?

BREAD FINANCIAL HOLDINGS, INC. is incorporated in DE.