BFH

BREAD FINANCIAL HOLDINGS, INC.
$107.85previous close on: 9/16/2026

Company Information

Company Name
BREAD FINANCIAL HOLDINGS, INC.
CIK
CIK0001101215
Category
Large accelerated filer
Ticker: Exchange
BFH: NYSE, BFH-PA: NYSE, BFH-PB: NYSE
Fiscal Year End
December 31
Owner Organization
02 Finance
SIC
6141
SIC Description
Personal Credit Institutions
Ticker
BFH

SEC filing data through

Insider Sentiment

Last purchase
2026-05-21
Last sale
2026-05-29
Shares purchased (TTM)
1,725
Shares sold (TTM)
24,687
Buy ratio (TTM)6.5%

Institutional Sentiment

As of
2026-03-31
Institutional shares owned
44,332,258
Shares outstanding
42,800,000
Ownership
103.58%
+7.08% Y/Y

Earnings Market Reaction

Filing date
2026-07-28
Price on filing date
1-month reaction
Pending
3-month reaction
Pending
Drift continued7/11 (64%)
Faded / reversed4/11 (36%)

Balance Sheet

Values in millions ($)
Line item2026-06-302026-03-312025-12-312025-09-302025-06-302025-03-312024-12-312024-09-302024-06-302024-03-312023-12-312023-09-30Subscriber-only columnSubscriber-only columnSubscriber-only columnSubscriber-only columnSubscriber-only columnTrend
Assets
Cash And Cash Equivalents At Carrying Value3,6833,6373,6043,7643,7994,2123,6793,4514,0533,7893,5903,380
Loans And Leases Receivable Net Reported Amount
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
Investments288286284284277272266277264258253240
Property Plant And Equipment Net104112117122127133142148157166167160
Intangible Assets Net Including Goodwill701708716723731738746754744753762771
Other Assets1,2741,5081,2431,2361,3291,3841,4031,3631,3471,4031,3641,342
Assets22,45222,30822,66321,71421,82122,38222,89121,73622,14422,29923,14121,608
Deposits14,73214,07313,91613,53513,34013,09913,08212,84712,99413,32713,62013,268
Other Liabilities1,0701,0321,1121,0751,0881,0941,2011,1931,2261,2881,3111,253
Liabilities19,08718,98319,33618,39718,65519,31419,84018,62418,97419,26720,22318,744
Stockholders Equity
Preferred Stock Value000---0-----
Common Stock Value000111111111
Additional Paid In Capital----------2,169-
Additional Paid In Capital Common Stock1,6031,6991,8681,9001,9291,9602,0732,1242,1792,1632,1692,155
Retained Earnings Accumulated Deficit1,7791,6431,4751,4321,2551,1269991,0031,012890767735
Accumulated Other Comprehensive Income Loss Net Of Tax-17-17-16-16-19-19-22-16-22-22-19-27
Stockholders Equity3,3653,3253,3273,3173,1663,0683,0513,1123,1703,0322,9182,864
Liabilities And Stockholders Equity22,45222,30822,66321,71421,82122,38222,89121,73622,14422,29923,14121,608
Variable Interest Entity Primary Beneficiary-5710,09110,708-1,179-49511,67412,408-135-27912,05812,8441,350
Investments Fair Value Disclosure-222-223224220-230224221217-
Trading Securities218222221---217---217-
Preferred Stock Par Or Stated Value Per Share0.010.010.01---0.01-----
Preferred Stock Shares Authorized000---0-----
Preferred Stock Shares Issued000---0-----
Preferred Stock Shares Outstanding000---0-----
Common Stock Par Or Stated Value Per Share0.010.010.010.010.010.010.010.010.010.010.010.01
Accumulated Depreciation Depletion And Amortization Property Plant And Equipment----------343-
Common Stock Shares Authorized200200200200200200200200200200200200
Common Stock Shares Issued394144464748495050504949
Shares Outstanding394144---49-----

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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. BREAD FINANCIAL HOLDINGS, INC. (BFH)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-07-28. Based on that filing, BREAD FINANCIAL HOLDINGS, INC. carries a market cap of $4.32B, a P/E ratio of 7.64x, a P/B ratio of 1.28x, a P/S ratio of 1.09x, an enterprise value of $640.16M, and an EV/EBITDA multiple of -0.19x. On profitability, it posts a gross margin of 79.86%, an operating margin of 17.29%, a net margin of 14.30%, and a Return on Equity (ROE) of 17.33%. Per share, it reports EPS of $14.19, diluted EPS of $13.91, free cash flow per share of $54.96, and a dividend per share of $0.70. Over the trailing year, it posted revenue growth of 3.94% year-over-year, net income growth of 97.21% year-over-year, and EPS growth of 130.82% year-over-year. On the balance sheet, it maintains an interest coverage ratio of -0.84x, free cash flow of $2.19B (TTM), and net debt of $-3.68B. Figures sourced from SEC EDGAR.

Market Cap
$4.32B
P/E TTM
7.64x
EPS TTM
$14.19
P/B TTM
1.28x
ROE TTM
17.33%
Free Cash Flow TTM
$2.19B
Net Revenue TTM Growth 1Y
3.94%

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 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.

When was BREAD FINANCIAL HOLDINGS, INC. (BFH)'s most recent SEC filing?

BREAD FINANCIAL HOLDINGS, INC. (BFH)'s most recent SEC filing is a Form 10-Q for the period ended 2026-06-30, filed with the SEC on 2026-07-28.

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 is BFH's EPS (earnings per share)?

BREAD FINANCIAL HOLDINGS, INC. (BFH)'s trailing twelve month EPS is $14.19 as of 2026-06-30.

What is BFH's ROE (return on equity)?

BREAD FINANCIAL HOLDINGS, INC. (BFH)'s trailing twelve month Return on Equity (ROE) is 17.33% as of 2026-06-30.

What is BFH's EV/EBITDA?

BREAD FINANCIAL HOLDINGS, INC. (BFH)'s trailing twelve month EV/EBITDA is -0.19x as of 2026-06-30.

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