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Bread Financial Holdings, Inc. (BFH)
Price$91.75
Favorite Metrics
Price vs S&P 500 (26W)58.75%
Price vs S&P 500 (4W)11.90%
Market Capitalization$3.93B
P/E Ratio (Annual)7.59x
Indicated Dividend Yield (Annual)1.02%
All Metrics
P/CF (Annual)1.88x
Book Value / Share (Quarterly)$75.44
P/TBV (Annual)1.04x
Indicated Dividend (Annual)$0.84
Revenue Growth (3Y)1.27%
Cash Flow / Share (Quarterly)$46.89
Payout Ratio (TTM)8.09%
Price vs S&P 500 (YTD)18.22%
Gross Margin (TTM)92.84%
Net Profit Margin (TTM)11.54%
EPS (TTM)$10.86
10-Day Avg Trading Volume0.66M
EPS Excl Extra (TTM)$10.86
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)$81.72
P/E Basic Excl Extra (TTM)7.57x
Revenue Growth QoQ (YoY)0.90%
EPS Growth (5Y)19.49%
P/E Normalized (Annual)7.59x
ROA (Last FY)2.29%
Revenue Growth TTM (YoY)-3.91%
EBITD / Share (TTM)$32.46
ROE (5Y Avg)19.50%
Operating Margin (TTM)13.65%
Cash Flow / Share (Annual)$46.89
P/B Ratio1.18x
P/B Ratio (Quarterly)1.02x
Net Income / Employee (Annual)$0
EV / Revenue (TTM)4.13x
Net Interest Coverage (TTM)3.20x
ROA (TTM)2.34%
EPS Growth QoQ (YoY)748.23%
EV / EBITDA (TTM)12.01x
EPS Incl Extra (Annual)$10.88
Current Ratio (Annual)1.22x
Quick Ratio (Quarterly)1.46x
3-Month Avg Trading Volume0.80M
52-Week Price Return97.47%
EV / Free Cash Flow (Annual)8.97x
P/E Incl Extra (TTM)7.57x
Revenue / Employee (TTM)$1
Tangible BV / Share (Quarterly)$59.21
P/S Ratio (Annual)0.87x
Asset Turnover (Annual)0.20x
52-Week High$91.30
Operating Margin (5Y Avg)15.40%
EPS Excl Extra (Annual)$10.88
CapEx CAGR (5Y)-14.97%
26-Week Price Return67.49%
Quick Ratio (Annual)1.22x
13-Week Price Return31.28%
Total Debt / Equity (Annual)5.48x
Current Ratio (Quarterly)1.46x
Enterprise Value$18,549.943
Revenue / Share Growth (5Y)3.57%
Asset Turnover (TTM)0.20x
Book Value / Share Growth (5Y)6.27%
Revenue / Employee (Annual)$1
Inventory Turnover (Annual)2.07x
Pretax Margin (Annual)13.68%
Cash / Share (Annual)$81.72
3-Month Return Std Dev49.50%
Gross Margin (5Y Avg)91.49%
Net Income / Employee (TTM)$0
EBITDA CAGR (5Y)11.28%
EBITDA Interim CAGR (5Y)47.08%
ROE (Last FY)15.57%
Net Interest Coverage (Annual)1.65x
EPS Basic Excl Extra (Annual)$10.88
P/FCF (TTM)1.90x
Receivables Turnover (TTM)0.27x
EV / Free Cash Flow (TTM)8.97x
Total Debt / Equity (Quarterly)5.48x
EPS Incl Extra (TTM)$10.86
Receivables Turnover (Annual)0.27x
ROI (TTM)2.47%
Dividend Growth Rate (5Y)-6.13%
P/S Ratio (TTM)0.87x
Pretax Margin (5Y Avg)15.40%
Revenue / Share (Annual)$94.45
Tangible BV / Share (Annual)$73.58
Forward P/E8.93x
Free OCF CAGR (5Y)2.49%
Price vs S&P 500 (52W)62.38%
P/E Ratio (TTM)7.57x
EPS Growth TTM (YoY)96.57%
Year-to-Date Return22.36%
5-Day Price Return12.96%
EPS Normalized (Annual)$10.88
ROA (5Y Avg)2.23%
Net Profit Margin (Annual)11.52%
Month-to-Date Return20.95%
Cash Flow / Share (TTM)$13.63
EBITD / Share (Annual)$32.48
EPS Growth (3Y)34.63%
Operating Margin (Annual)13.68%
LT Debt / Equity (Annual)0.67x
P/CF (TTM)1.88x
ROI (5Y Avg)2.36%
P/E Excl Extra (TTM)7.57x
LT Debt / Equity (Quarterly)1.29x
EPS Basic Excl Extra (TTM)$10.86
P/TBV (Quarterly)1.29x
Payout Ratio (Annual)8.11%
P/B Ratio (Annual)1.02x
Dividend / Share (TTM)$0.90
Inventory Turnover (TTM)-4.27x
Pretax Margin (TTM)13.65%
Book Value / Share (Annual)$75.44
Price vs S&P 500 (13W)28.41%
Net Margin Growth (5Y)15.35%
Dividend Yield (TTM)1.07%
Beta1.22x
P/FCF (Annual)1.90x
Revenue / Share (TTM)$97.55
ROE (TTM)16.12%
52-Week Low$44.57
Analyst Recommendations
Jan 2026
Feb 2026
Mar 2026
Apr 2026
3.43
3.45
3.50
3.50
Industry Peers — Personal Credit Institutions(15)
| Symbol | P/E Ratio (Annual) | ROE (TTM) | Operating Margin (TTM) | Revenue Growth (5Y) | Price |
|---|---|---|---|---|---|
BFHBread Financial Holdings, Inc. | 7.59x | 16.12% | 13.65% | 3.44% | $91.75 |
AFRMAffirm Holdings, Inc. Class A Common Stock | 428.06x | 8.83% | 6.21% | 44.63% | $67.06 |
OMFOneMain Holdings, Inc. | 8.97x | 23.40% | 16.04% | 4.82% | $59.92 |
CACCCredit Acceptance Corp | 13.36x | 26.63% | 44.38% | 6.78% | $542.71 |
NNINelnet, Inc. Class A | 11.67x | 11.96% | 26.54% | 7.13% | $138.72 |
SLMSLM Corporation | 6.13x | 31.14% | 26.74% | 7.17% | $23.11 |
SLMBPSLM Corporation Floating-Rate Non-Cumulative Series B | 6.13x | 31.14% | 26.74% | 7.17% | $74.60 |
ENVAEnova International, Inc. | 13.31x | 24.45% | 40.35% | 21.75% | $165.23 |
LCLendingClub Corporation | 14.91x | 9.47% | 11.38% | 2.92% | $17.92 |
ATLCAtlanticus Holdings Corporation | 8.95x | 19.92% | 18.46% | 13.90% | $72.98 |
ATLCLAtlanticus Holdings Corporation 6.125% Senior Notes due 2026 | 8.95x | 19.92% | 18.46% | 13.90% | $24.99 |
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.