Bread Financial Holdings, Inc. (BFH) Stock Price

BFHStock

$107.63+68.68%52W

Market Cap$4.14B

P/E8.24x

PEG Ratio3.84

Div yield3.09%

Beta1.17

BFH Share Price Chart

Favorite Metrics

Price vs S&P 500 (26W)30.08%

Price vs S&P 500 (4W)-5.45%

PEG Ratio3.84

VGM Score61.36

P/E Ratio (Annual)8.24x

Indicated Dividend Yield (Annual)3.09%

P/CF (Annual)2.04x

Book Value / Share (Quarterly)$86.95

P/TBV (Annual)1.04x

Indicated Dividend (Annual)$0.92

Revenue Growth (3Y)1.27%

Cash Flow / Share (Quarterly)$56.07

Payout Ratio (TTM)7.91%

Price vs S&P 500 (YTD)30.13%

Gross Margin (TTM)92.93%

Net Profit Margin (TTM)12.57%

EPS (TTM)$12.91

10-Day Avg Trading Volume0.43M

EPS Excl Extra (TTM)$12.91

Revenue Growth (5Y)3.44%

EPS (Annual)$10.88

Dividend / Share (Annual)$0.90

ROI (Annual)2.40%

Gross Margin (Annual)92.84%

Net Profit Margin (5Y Avg)11.82%

Cash / Share (Quarterly)$95.17

P/E Basic Excl Extra (TTM)7.50x

Revenue Growth QoQ (YoY)2.27%

EPS Growth (5Y)19.49%

P/E Normalized (Annual)8.24x

ROA (Last FY)2.29%

Revenue Growth TTM (YoY)-1.05%

EBITD / Share (TTM)$17.13

ROE (5Y Avg)19.50%

Operating Margin (TTM)15.09%

Cash Flow / Share (Annual)$46.89

P/B Ratio1.27x

P/B Ratio (Quarterly)1.30x

Net Income / Employee (Annual)$86,300

EV / Revenue (TTM)4.11x

Net Interest Coverage (TTM)3.20x

ROA (TTM)2.55%

EPS Growth QoQ (YoY)21.81%

EV / EBITDA (TTM)24.48x

EPS Incl Extra (Annual)$10.88

Current Ratio (Annual)1.22x

Quick Ratio (Quarterly)1.36x

3-Month Avg Trading Volume0.66M

52-Week Price Return68.68%

EV / Free Cash Flow (Annual)9.00x

P/E Incl Extra (TTM)7.50x

Revenue / Employee (TTM)$754,500

Tangible BV / Share (Quarterly)$68.84

P/S Ratio (Annual)0.95x

Asset Turnover (Annual)0.20x

52-Week High$114.53

Operating Margin (5Y Avg)15.40%

EPS Excl Extra (Annual)$10.88

CapEx CAGR (5Y)-14.97%

26-Week Price Return41.33%

Quick Ratio (Annual)1.22x

13-Week Price Return22.63%

Total Debt / Equity (Annual)5.48x

Current Ratio (Quarterly)1.36x

Enterprise Value$18.60B

Revenue / Share Growth (5Y)3.57%

Asset Turnover (TTM)0.20x

Book Value / Share Growth (5Y)6.27%

Revenue / Employee (Annual)$749,300

Inventory Turnover (Annual)2.07x

Pretax Margin (Annual)13.68%

Cash / Share (Annual)$81.72

3-Month Return Std Dev33.73%

Gross Margin (5Y Avg)91.49%

Net Income / Employee (TTM)$94,800

EBITDA CAGR (5Y)11.30%

EBITDA Interim CAGR (5Y)-10.49%

ROE (Last FY)15.57%

Net Interest Coverage (Annual)1.65x

EPS Basic Excl Extra (Annual)$10.88

P/FCF (TTM)1.97x

Receivables Turnover (TTM)0.28x

EV / Free Cash Flow (TTM)8.57x

Total Debt / Equity (Quarterly)5.35x

EPS Incl Extra (TTM)$12.91

Receivables Turnover (Annual)0.27x

ROI (TTM)2.68%

Dividend Growth Rate (5Y)-6.13%

P/S Ratio (TTM)0.94x

Pretax Margin (5Y Avg)15.40%

Revenue / Share (Annual)$94.45

Tangible BV / Share (Annual)$73.58

Forward P/E8.75x

Free OCF CAGR (5Y)2.49%

Price vs S&P 500 (52W)50.37%

P/E Ratio (TTM)7.50x

EPS Growth TTM (YoY)118.58%

Year-to-Date Return42.09%

5-Day Price Return-5.32%

EPS Normalized (Annual)$10.88

ROA (5Y Avg)2.23%

Net Profit Margin (Annual)11.52%

Month-to-Date Return-2.66%

Cash Flow / Share (TTM)$13.63

EBITD / Share (Annual)$14.60

EPS Growth (3Y)34.63%

Operating Margin (Annual)13.68%

LT Debt / Equity (Annual)0.67x

P/CF (TTM)1.95x

ROI (5Y Avg)2.36%

P/E Excl Extra (TTM)7.50x

LT Debt / Equity (Quarterly)0.98x

EPS Basic Excl Extra (TTM)$12.91

P/TBV (Quarterly)1.64x

Payout Ratio (Annual)8.11%

P/B Ratio (Annual)1.02x

Dividend / Share (TTM)$1.06

Inventory Turnover (TTM)-4.27x

Pretax Margin (TTM)15.09%

Book Value / Share (Annual)$75.44

Price vs S&P 500 (13W)19.83%

Net Margin Growth (5Y)15.35%

Dividend Yield (TTM)1.05%

Beta1.17x

P/FCF (Annual)2.06x

Revenue / Share (TTM)$111.23

ROE (TTM)17.07%

52-Week Low$53.83

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mGradeB

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BFH Earnings Surprise History

Q2 253.14est. 1.94

Q3 254.02est. 2.11

Q4 252.07est. 0.48

Q1 264.18est. 3.05

Q2 263.55est. 2.77

BFH Analyst Recommendations

May 2026

Jun 2026

Jul 2026

Aug 2026

3.55

3.68

Industry Peers — Personal Credit Institutions(15)

Symbol	Value Score	Growth Score	Momentum Score	Price
BFHBread Financial Holdings, Inc.	C	C	B	$107.63
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OMFOneMain Holdings, Inc.	B	C	B	$63.23
CACCCredit Acceptance Corp	C	C	B	$604.26
ENVAEnova International, Inc.	C	C	A	$243.39
SLMSLM Corporation	C	C	B	$26.47
NNINelnet, Inc. Class A	C	C	C	$128.76
HAPNHappen, Inc. Common Stock	D	C	B	$18.26
LCLendingClub Corporation	D	C	B	$18.25
ATLCAtlanticus Holdings Corporation	C	B	B	$93.95
PICSPicS N.V. Class A Common Shares	C	B	C	$10.85
WRLDWorld Acceptance Corp	C	D	B	$193.45
LPROOpen Lending Corporation Common Stock	D	C	B	$3.14
RMREGIONAL MANAGEMENT CORP	B	C	C	$33.34
ATLCLAtlanticus Holdings Corporation 6.125% Senior Notes due 2026	C	B	B	$25.16
ATLCZAtlanticus Holdings Corporation 9.25% Senior Notes due 2029	C	B	B	$25.38

About Bread Financial Holdings, Inc.

Bread Financial provides private-label and co-branded credit cards, loyalty programs, and marketing services to retailers. The company's core business partners with major retailers to jointly market branded credit cards to their customers. Bread also holds a minority stake in LoyaltyOne, which operates Canada's largest airline miles loyalty program and provides marketing services to grocery retailers in Europe and Asia.