Bread Financial Holdings, Inc. (BFH)

Price$91.11

Value ScoreB

Growth ScoreC

Momentum ScoreA

Favorite Metrics

Price vs S&P 500 (26W)23.73%

Price vs S&P 500 (4W)1.91%

VGM Score66.05

Market Capitalization$3.68B

P/E Ratio (Annual)7.11x

Indicated Dividend Yield (Annual)1.01%

All Metrics

P/CF (Annual)1.76x

Book Value / Share (Quarterly)$80.51

P/TBV (Annual)1.04x

Indicated Dividend (Annual)$0.92

Revenue Growth (3Y)1.27%

Cash Flow / Share (Quarterly)$52.30

Payout Ratio (TTM)7.83%

Price vs S&P 500 (YTD)12.10%

Gross Margin (TTM)92.89%

Net Profit Margin (TTM)12.48%

EPS (TTM)$12.26

10-Day Avg Trading Volume0.72M

EPS Excl Extra (TTM)$12.26

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)$88.06

P/E Basic Excl Extra (TTM)6.55x

Revenue Growth QoQ (YoY)0.44%

EPS Growth (5Y)19.49%

P/E Normalized (Annual)7.11x

ROA (Last FY)2.29%

Revenue Growth TTM (YoY)-2.55%

EBITD / Share (TTM)$16.04

ROE (5Y Avg)19.50%

Operating Margin (TTM)14.66%

Cash Flow / Share (Annual)$46.89

P/B Ratio1.11x

P/B Ratio (Quarterly)0.93x

Net Income / Employee (Annual)$86,300

EV / Revenue (TTM)4.00x

Net Interest Coverage (TTM)3.20x

ROA (TTM)2.54%

EPS Growth QoQ (YoY)50.59%

EV / EBITDA (TTM)24.38x

EPS Incl Extra (Annual)$10.88

Current Ratio (Annual)1.22x

Quick Ratio (Quarterly)1.40x

3-Month Avg Trading Volume0.72M

52-Week Price Return82.37%

EV / Free Cash Flow (Annual)8.70x

P/E Incl Extra (TTM)6.55x

Revenue / Employee (TTM)$750,300

Tangible BV / Share (Quarterly)$63.37

P/S Ratio (Annual)0.82x

Asset Turnover (Annual)0.20x

52-Week High$99.13

Operating Margin (5Y Avg)15.40%

EPS Excl Extra (Annual)$10.88

CapEx CAGR (5Y)-14.97%

26-Week Price Return35.12%

Quick Ratio (Annual)1.22x

13-Week Price Return21.37%

Total Debt / Equity (Annual)5.48x

Current Ratio (Quarterly)1.40x

Enterprise Value$18.00B

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 Dev38.57%

Gross Margin (5Y Avg)91.49%

Net Income / Employee (TTM)$93,700

EBITDA CAGR (5Y)11.30%

EBITDA Interim CAGR (5Y)-7.74%

ROE (Last FY)15.57%

Net Interest Coverage (Annual)1.65x

EPS Basic Excl Extra (Annual)$10.88

P/FCF (TTM)1.70x

Receivables Turnover (TTM)0.28x

EV / Free Cash Flow (TTM)8.33x

Total Debt / Equity (Quarterly)5.40x

EPS Incl Extra (TTM)$12.26

Receivables Turnover (Annual)0.27x

ROI (TTM)2.67%

Dividend Growth Rate (5Y)-6.13%

P/S Ratio (TTM)0.82x

Pretax Margin (5Y Avg)15.40%

Revenue / Share (Annual)$94.45

Tangible BV / Share (Annual)$73.58

Forward P/E7.61x

Free OCF CAGR (5Y)2.49%

Price vs S&P 500 (52W)55.33%

P/E Ratio (TTM)6.55x

EPS Growth TTM (YoY)118.65%

Year-to-Date Return23.13%

5-Day Price Return2.34%

EPS Normalized (Annual)$10.88

ROA (5Y Avg)2.23%

Net Profit Margin (Annual)11.52%

Month-to-Date Return2.34%

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)1.68x

ROI (5Y Avg)2.36%

P/E Excl Extra (TTM)6.55x

LT Debt / Equity (Quarterly)1.17x

EPS Basic Excl Extra (TTM)$12.26

P/TBV (Quarterly)1.19x

Payout Ratio (Annual)8.11%

P/B Ratio (Annual)1.02x

Dividend / Share (TTM)$0.99

Inventory Turnover (TTM)-4.27x

Pretax Margin (TTM)14.66%

Book Value / Share (Annual)$75.44

Price vs S&P 500 (13W)10.87%

Net Margin Growth (5Y)15.35%

Dividend Yield (TTM)1.20%

Beta1.16x

P/FCF (Annual)1.78x

Revenue / Share (TTM)$104.21

ROE (TTM)17.11%

52-Week Low$49.17

vGradeB

gGradeC

mGradeA

vgmGradeB

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Earnings Surprise History

Q1 264.18est. 3.12

Analyst Recommendations

Mar 2026

Apr 2026

May 2026

Jun 2026

3.50

3.55

Industry Peers — Personal Credit Institutions(14)

Symbol	Value Score	Growth Score	Momentum Score	Price
BFHBread Financial Holdings, Inc.	B	C	A	$91.11
AFRMAffirm Holdings, Inc. Class A Common Stock	D	B	B	$63.61
OMFOneMain Holdings, Inc.	B	D	B	$55.36
CACCCredit Acceptance Corp	C	C	B	$544.71
NNINelnet, Inc. Class A	C	C	B	$129.03
SLMSLM Corporation	C	C	B	$22.39
ENVAEnova International, Inc.	C	C	A	$168.82
LCLendingClub Corporation	C	C	B	$17.15
ATLCAtlanticus Holdings Corporation	C	C	A	$84.10
ATLCLAtlanticus Holdings Corporation 6.125% Senior Notes due 2026	C	C	A	$25.18
ATLCZAtlanticus Holdings Corporation 9.25% Senior Notes due 2029	C	C	A	$25.60

About

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.