BFH
BREAD FINANCIAL HOLDINGS, INC.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
Institutional Sentiment
- As of
- 2026-03-31
- Institutional shares owned
- 44,332,258
- Shares outstanding
- 42,800,000
- Ownership
- 103.58%
Earnings Market Reaction
- Filing date
- 2026-07-28
- Price on filing date
- —
- 1-month reaction
- Pending
- 3-month reaction
- Pending
Balance Sheet
Values in millions ($)| Line item | 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 | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Subscriber-only column | Trend |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
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 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 | ||||||
| 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 Tax | -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 Amortization Property Plant And Equipment | - | - | - | - | - | - | - | - | - | - | 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 | - | - | - | - | - | ||||||
Select a line item above to chart it.
Recent filings
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
- 10-QFiled
- 10-QFiled
- 10-KFiled
- 10-QFiled
Financial statements beyond 3 years are for subscribers only.
Unlock 17+ years of income statements, balance sheets, and cash flow statements
Start 7-day free trialBREAD 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.