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Bread Financial Holdings, Inc. logo

Bread Financial Holdings, Inc.

BFH

NYSEFinancial ServicesFinancial - Credit Services

Open in GoAI

Previous close

$105.91

+$2.73 · +2.65%

Aug 21, 4:00 PM ET

BFH company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

91

Deep Value

Momentum

53

Neutral

Sentiment

75

Bullish

Risk resilience

65

Moderate Risk

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AI-generated, informational only, and not investment advice.

Company profile

Industry
Financial - Credit Services
Sector
Financial Services
Headquarters
US

Market position

Day range

Current $105.91

52-week range

Current $105.91

Open
$104.47
Previous close
$103.18
Volume
305.89K
Market cap
4.28B USD
50-day average
$104.8
+1.06% above average
200-day average
$83.6536
+26.61% above average

Financials

Financial snapshot

Latest / TTM

Valuation & yield

P/E (TTM)
8.14×
P/B (TTM)
1.26×
P/S (TTM)
0.9×
Dividend yield
0.85%

Profitability & efficiency

Gross margin
63.99%
Operating margin
14.37%
Net margin
11.95%

Financial health

Debt / equity
0.98×
Altman Z-score
0.75
Piotroski F-score
8 of 9

Financial statements

Margin trends

Profitability as a percentage of reported revenue.

Gross marginOperating marginNet margin
Gross, operating, and net margin trends69%46%23%-1%Gross margin, FY2021: 51.28%Gross margin, FY2022: 52.05%Gross margin, FY2023: 59.26%Gross margin, FY2024: 50.88%Gross margin, FY2025: 63.33%Operating margin, FY2021: 31.93%Operating margin, FY2022: 6.86%Operating margin, FY2023: 18.71%Operating margin, FY2024: 7.94%Operating margin, FY2025: 13.07%Net margin, FY2021: 24.50%Net margin, FY2022: 5.10%Net margin, FY2023: 13.88%Net margin, FY2024: 5.77%Net margin, FY2025: 11.02%FY2021FY2022FY2023FY2024FY2025
Gross margin FY2021 51.28%. Gross margin FY2022 52.05%. Gross margin FY2023 59.26%. Gross margin FY2024 50.88%. Gross margin FY2025 63.33%. Operating margin FY2021 31.93%. Operating margin FY2022 6.86%. Operating margin FY2023 18.71%. Operating margin FY2024 7.94%. Operating margin FY2025 13.07%. Net margin FY2021 24.50%. Net margin FY2022 5.10%. Net margin FY2023 13.88%. Net margin FY2024 5.77%. Net margin FY2025 11.02%.

Income trends

Revenue

4.7B USD-2.06%

Operating income

614M USD+61.15%

Net income

518M USD+87.00%
Income trends across reported periods5.67B USD3.69B USD1.71B USD−272.1M USDRevenue, FY2021: 3.27B USDRevenue, FY2022: 4.37B USDRevenue, FY2023: 5.17B USDRevenue, FY2024: 4.8B USDRevenue, FY2025: 4.7B USDOperating income, FY2021: 1.04B USDOperating income, FY2022: 300M USDOperating income, FY2023: 968M USDOperating income, FY2024: 381M USDOperating income, FY2025: 614M USDNet income, FY2021: 801M USDNet income, FY2022: 223M USDNet income, FY2023: 718M USDNet income, FY2024: 277M USDNet income, FY2025: 518M USDFY2021FY2022FY2023FY2024FY2025
Revenue FY2021 3.27B USD. Revenue FY2022 4.37B USD. Revenue FY2023 5.17B USD. Revenue FY2024 4.8B USD. Revenue FY2025 4.7B USD. Operating income FY2021 1.04B USD. Operating income FY2022 300M USD. Operating income FY2023 968M USD. Operating income FY2024 381M USD. Operating income FY2025 614M USD. Net income FY2021 801M USD. Net income FY2022 223M USD. Net income FY2023 718M USD. Net income FY2024 277M USD. Net income FY2025 518M USD.
Metric (USD)FY2025FY2024FY2023FY2022FY2021
Revenue4.7B USD4.8B USD5.17B USD4.37B USD3.27B USD
Cost of goods sold1.72B USD2.36B USD2.11B USD2.1B USD1.59B USD
Gross profit2.98B USD2.44B USD3.07B USD2.28B USD1.68B USD
Selling, general, and administrative1.31B USD1.04B USD1.03B USD959M USD831M USD
Operating expenses2.36B USD2.06B USD2.1B USD1.98B USD633M USD
Interest income4.91B USD5.02B USD5.15B USD4.68B USD3.87B USD
Interest expense854M USD960M USD879M USD503M USD383M USD
Depreciation and amortization80M USD90M USD116M USD113M USD123M USD
Operating income614M USD381M USD968M USD300M USD1.04B USD
Net income518M USD277M USD718M USD223M USD801M USD

Company facts updated Aug 24, 2026.

Earnings

EPS beat rate
82%
9 beats, 2 misses, 0 met estimates
Average EPS surprise
+85.81%
11 comparable reports
Latest EPS result
3.55
Estimate 2.74 · Beat by 29.56%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates4.493.091.680.28Q1 '25BeatQ2 '25BeatQ3 '25BeatQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 30, 2025: actual 0.41, estimate 0.33, surprise +24.24%, Beat. Q2 2025, reported Apr 24, 2025: actual 2.86, estimate 2.1, surprise +36.19%, Beat. Q3 2025, reported Jul 24, 2025: actual 3.14, estimate 1.85, surprise +69.73%, Beat. Q4 2025, reported Oct 23, 2025: actual 4.02, estimate 2.11, surprise +90.52%, Beat. Q1 2026, reported Jan 29, 2026: actual 2.07, estimate 0.4, surprise +417.50%, Beat. Q2 2026, reported Apr 23, 2026: actual 4.18, estimate 3, surprise +39.33%, Beat. Q3 2026, reported Jul 23, 2026: actual 3.55, estimate 2.74, surprise +29.56%, Beat. Q4 2026, reported Oct 22, 2026: actual —, estimate 3.4, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates1.06B1B942.43M884.28MQ1 '25MissQ2 '25BeatQ3 '25MissQ4 '25BeatQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Jan 30, 2025: actual 925M USD, estimate 973.62M USD, surprise -4.99%, Miss. Q2 2025, reported Apr 24, 2025: actual 970M USD, estimate 953.51M USD, surprise +1.73%, Beat. Q3 2025, reported Jul 24, 2025: actual 926M USD, estimate 973.86M USD, surprise -4.91%, Miss. Q4 2025, reported Oct 23, 2025: actual 971M USD, estimate 968.09M USD, surprise +0.30%, Beat. Q1 2026, reported Jan 29, 2026: actual 975M USD, estimate 953.34M USD, surprise +2.27%, Beat. Q2 2026, reported Apr 23, 2026: actual 1.02B USD, estimate 993.64M USD, surprise +2.45%, Beat. Q3 2026, reported Jul 23, 2026: actual 993M USD, estimate 959.32M USD, surprise +3.51%, Beat. Q4 2026, reported Oct 22, 2026: actual —, estimate 1.01B USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$114.5

8.11% upside
Past 12 months12-month forecastHigh $132Average $114.5Low $104

Rating distribution

37 ratings
Strong buy00%
Buy1541%
Hold2157%
Sell13%
Strong sell00%

Recent analyst actions

12 institutions

BFH news

globenewswire.com

Bread Financial Provides Performance Update for July 2026

COLUMBUS, Ohio, Aug. 17, 2026 (GLOBE NEWSWIRE) -- Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions to…

Read source
defenseworld.net

Bank of America Corp DE Boosts Stake in Bread Financial Holdings, Inc. $BFH

Bank of America Corp DE increased its holdings in shares of Bread Financial Holdings, Inc. (NYSE: BFH) by 18.1% during the first quarter, according to its most recent disclosure with the Securities and Exchange…

Read source
seekingalpha.com

Bread Financial: 8.6% Yield Opportunity On Series A Preferred Shares

Bread Financial offers compelling income opportunities through its Series A preferred shares, currently yielding 8.6%. BFH's robust net interest margin of 18.5% and high asset yields are supported by strong deposit and…

Read source
defenseworld.net

Fifth Third Bancorp Buys 17,269 Shares of Bread Financial Holdings, Inc. $BFH

Fifth Third Bancorp increased its stake in Bread Financial Holdings, Inc. (NYSE: BFH) by 5,814.5% during the undefined quarter, according to its most recent disclosure with the Securities and Exchange Commission. The…

Read source
zacks.com

BFH Q2 Earnings Beat Estimates on Solid Credit Sales, Revenues Rise Y/Y

Bread Financial's Q2 benefited from higher credit sales, loan growth and improved credit quality, driving earnings and revenue above estimates.

Read source
seekingalpha.com

Bread Financial Holdings, Inc. (BFH) Q2 2026 Earnings Call Transcript

Bread Financial Holdings, Inc. (BFH) Q2 2026 Earnings Call Transcript

Read source

Corporate actions

Annual dividends per share

Cash distributions grouped by calendar year; partial years are marked.

$0.86

2025 complete year+20.7% since 2021

2026 partial: $0.46

* Partial calendar year in the available dividend history.

Corporate action history

DividendUpcoming

Ex-dividend Aug 31, 2026

$0.23

Quarterly

Record Aug 31, 2026 · Payment Sep 15, 2026

Dividend

Ex-dividend May 29, 2026

$0.23

Quarterly

Record May 29, 2026 · Payment Jun 15, 2026

Dividend

Ex-dividend Feb 27, 2026

$0.23

Quarterly

Record Feb 27, 2026 · Payment Mar 16, 2026

Dividend

Ex-dividend Nov 7, 2025

$0.23

Quarterly

Record Nov 7, 2025 · Payment Dec 12, 2025

Dividend

Ex-dividend Aug 8, 2025

$0.21

Quarterly

Record Aug 8, 2025 · Payment Sep 12, 2025

Dividend

Ex-dividend May 9, 2025

$0.21

Quarterly

Record May 9, 2025 · Payment Jun 13, 2025

BFH peers

Berkshire Hathaway Inc. logo

BRK-B

Berkshire Hathaway Inc.

$495.82

-0.21%

Berkshire Hathaway Inc. logo

BRK-A

Berkshire Hathaway Inc.

$743,500

-0.15%

JPMorgan Chase & Co. logo

JPM

JPMorgan Chase & Co.

$351.58

+0.01%

Visa Inc. logo

V

Visa Inc.

$371.04

+1.45%

Mastercard Incorporated logo

MA

Mastercard Incorporated

$580.63

+1.18%

Bank of America Corporation logo

BAC

Bank of America Corporation

$61.69

-0.27%

ETFs holding BFH

Funds reporting this stock among their holdings, ordered by reported position size.

iShares Core S&P Small-Cap ETF logoiShares Core S&P Small-Cap ETFIJR
Market value
273.57M
Weight
0.24%
AUM
111.19B USD
Expense ratio
0.06%
Price / 1D
$147.31+0.64%
Vanguard Morningstar Total Stock Market ETF logoVanguard Morningstar Total Stock Market ETFVTI
Market value
132.23M
Weight
0.01%
AUM
2.3T USD
Expense ratio
0.03%
Price / 1D
$378.24+0.44%
Avantis U.S. Small Cap Value ETF logoAvantis U.S. Small Cap Value ETFAVUV
Market value
128.5M
Weight
0.41%
AUM
31.27B USD
Expense ratio
0.25%
Price / 1D
$126.45+0.66%
Vanguard Morningstar Small-Cap ETF logoVanguard Morningstar Small-Cap ETFVB
Market value
95.36M
Weight
0.05%
AUM
183.4B USD
Expense ratio
0.03%
Price / 1D
$304.76+0.64%
Vanguard Morningstar Small-Cap Value ETF logoVanguard Morningstar Small-Cap Value ETFVBR
Market value
60.57M
Weight
0.09%
AUM
68.3B USD
Expense ratio
0.05%
Price / 1D
$249.18+0.68%
iShares Russell 2000 ETF logoiShares Russell 2000 ETFIWM
Market value
53.08M
Weight
0.07%
AUM
81.62B USD
Expense ratio
0.19%
Price / 1D
$299.96+0.77%
Vanguard Extended Market ETF logoVanguard Extended Market ETFVXF
Market value
50.31M
Weight
0.05%
AUM
93.7B USD
Expense ratio
0.05%
Price / 1D
$245.53+0.82%
iShares S&P Small-Cap 600 Value ETF logoiShares S&P Small-Cap 600 Value ETFIJS
Market value
39.69M
Weight
0.47%
AUM
8.33B USD
Expense ratio
0.18%
Price / 1D
$138.43+0.67%

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