Stock Evaluator: Bread Financial Holdings, Inc. (BFH)

Bread Financial Holdings, Inc. BFH

$108.07 -2.55 -2.31%
July 31, 2026 4:00:03 PM EST November 10, 2021 Volume: 561,278
After Hours: $120.37   0.15  |  0.12% November 10, 2021 7:59 PM EST Volume: 72,713
USD NYSE | DELAYED PRICE
SECTOR INDUSTRY
Financials Consumer Finance

A+ Stock Grade Summary:

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COMPANY SUMMARY
Bread Financial Holdings, Inc. provides tech-forward payment and lending solutions to customers and consumer-based industries in North America. It offers credit card and other loans financing services, including risk management solutions, underwriting, and funding services for private label and co-brand credit card programs, as well as through Bread Pay partnerships. The company also manages and services the loans it originates for private label, co-brand, and general-purpose credit card programs, and installment loans and split-pay products; and provides marketing, and data and analytics services. In addition, it offers an enhanced digital suite that includes a unified software development kit, which provides access to its suite of products, as well as promotes credit payment options earlier in the shopping experience. Further, the company through Bread Pay, a digital payments platform and robust suite of application programming interfaces allows merchants and partners to integrate online point-of-sale financing and other digital payment products. Additionally, it offers retail and deposit products, primarily in the form of certificates of deposit and high-yield savings accounts, including traditional and Roth Individual Retirement Accounts. The company offers its products under the Bread, Bread Financial, Bread Cashback, Bread Rewards, Bread Pay, and Bread Savings brands. The company was formerly known as Alliance Data Systems Corporation and changed its name to Bread Financial Holdings, Inc. in March 2022. Bread Financial Holdings, Inc. was incorporated in 1995 and is headquartered in Columbus, Ohio.

Commentary & Analysis


Financial Summary

Share Statistics BFH Industry
Median
Percentile
(All Stocks)
Market Cap (Mil) $4,249.9 $1,156.8 65%
Shares Out (Mil) 40.7 36.1 43%
Institutional Ownership 98.6% 78.9% 80%
Float (Mil) 37.8 32.7 41%
Beta 1.13 1.06 67%
Avg Daily Volume (000s) 765 358 66%
Price Change
(52-week)
76.2% 77.4% 88%
Growth BFH Industry
Median
Percentile
(All Stocks)
Sales (5yr) 5.1% 7.7% 37%
Net Income (5yr) 19.3% 12.6% 72%
EPS (5yr) 19.5% 17.1% 67
Dividends (5yr) (7.4%) 0.0% 77%
Cash Flow (5yr) 29.2% (2.8%) 86%
Estimates Qtrly Current
Fiscal
Year
Next
Fiscal
Year
# of Estimates 10 12 13
Current EPS $3.369 $12.240 $13.308
Month Ago EPS $3.146 $11.328 $12.447
# Rev Up 1 0 0
# Rev Down 0 1 1
Three Months Ago EPS $3.234 $11.296 $12.341
Year/Year Chg (5.1%) 11.7% 34.9%
Financials BFH Industry
Median
Percentile
(All Stocks)
Sales (TTM) (Mil) $2,668 $1,133 65%
Net Income (TTM) (Mil) $570 $147 81%
EPS (TTM) $12.997 $1.500 96%
Operating Cash Flow (TTM) (Mil) $2,193 $231 89%
Net Cash Flow (TTM) (Mil) ($59) $4 18%
Long-Term Debt (Q1) (Mil) $1,836 $808 73%
Enterprise Value (Q1) (Mil) na $1,280 na
Valuation BFH Industry
Median
Percentile
(All Stocks)
P/B 1.27 1.46 32%
P/E 8.7 9.3 12%
Dividend Yield 0.8% 0.0% 65%
PEG (5yr hist) 0.4 0.6 19%
Ratios BFH Industry
Median
Percentile
(All Stocks)
Gross Margin na 75.1% na
Net Margin 21.4% 14.6% 80%
ROA 2.6% 2.9% 59%
ROE 17.5% 14.9% 76%
Liabilities to Assets 85.0% 79.0% 79%
F-Score 6 5 69%

Bread Financial Holdings, Inc. did not pass any screens on 7/30/2026.

Price and market data provided by QuoteMedia and delayed a minimum of 15 minutes unless otherwise indicated. Fundamental data provided by AAII's Stock Investor Pro and S&P Global Market Intelligence and are updated through the previous trading day.

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