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StockVS

NYSE · Credit Services · USD

Bread Financial Holdings, Inc. (BFH) Stock Analysis

Bread Financial Holdings, Inc. (BFH) is a Credit Services stock listed on NYSE and quoted in US Dollar.

Last Updated: October 21, 2026

BFH

$108.63

+$4.02 (+3.84%)

Oct 21, 2026 · Market close

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Price History

Hover for the daily close. The dotted line marks the period open.

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BFH Key Statistics

As of Oct 21, 2026
Trading
Open
$106.34
Previous Close
$104.61
Day's Range
105.99–108.68
52-Week Range
59.26–114.53
Volume
862.99K
BetaHow much the share price moves relative to the wider market. 1.0 moves in line with it; above 1.0 swings more, below 1.0 less.
1.18
Valuation
Market Cap
$4.02B
P/E Ratio
8.11
Forward P/EShare price divided by forecast earnings for the year ahead, rather than the year just past.
7.61
PEG RatioThe P/E ratio divided by the expected earnings growth rate. It puts a high P/E in the context of how fast profits are growing.
2.24
P/S ratioMarket value divided by annual revenue. Useful for companies that are not yet profitable, where a P/E cannot be calculated.
1.51
EPS (ttm)Profit attributable to each share over the last twelve months.
12.90
Financials (FY)
Revenue (FY)
$3.85B+0.18%
Net Income (FY)
$518.00M+87.00%
Profit marginThe share of revenue left as profit after all costs and taxes.
21.36%
Shares OutstandingThe total number of shares held by all investors. Market value is this figure multiplied by the share price.
38.42M
1-Year Return
+79.92%
Dividend and dates
Dividend
$0.92+0.90%
Ex-Dividend Date
August 31, 2026
Earnings Date
October 22, 2026
Avg Volume
548.33K

Only metrics the company reports are shown. Data provided by Yahoo Finance via yfinance. Updated daily.

Key facts

As of October 21, 2026, BFH closed at $108.63, +79.92% over 1 year.

Bread Financial Holdings, Inc. (BFH) has a market capitalization of $4.02B.

In fiscal 2025, BFH reported revenue of $3.85B.

BFH Stock Return by Calendar Year

Bread Financial Holdings, Inc. (BFH) 10-year return: what $10,000 became

1 year
$10,000 $17,992
+79.92%
5 years
$10,000 $15,399
+53.99%
10 years
$10,000 $7,925
−20.75%

If you had invested $10,000 in Bread Financial Holdings, Inc. (BFH) 10 years ago, at the close on October 21, 2016, it would have been worth $7,925 at the close on October 21, 2026: −20.75% in total, −2.30% a year, with dividends reinvested. A historical calculation from closing prices adjusted for splits and dividends, before fees and taxes.

Calendar-year returns computed from daily closing prices. Partial years are shown muted and marked with an asterisk.

YearReturn
2026 (partial year)+47.55%
2025+23.06%
2024+88.97%
2023−10.23%
2022−42.42%
2021+13.62%
2020−32.70%
2019−23.82%
2018−40.18%
2017+11.92%
2016 (partial year)+2.77%

As of October 21, 2026.

BFH Revenue and Earnings by Fiscal Year

FY ends December
Fiscal yearRevenueNet incomeNet margin
2025$3.85B$518.00M13.5%
2024$3.84B$277.00M7.2%
2023$4.30B$718.00M16.7%
2022$3.87B$223.00M5.8%
Fiscal yearRevenueGross profitOperating incomeNet incomeNet margin
2025$3.85B——$518.00M13.5%
2024$3.84B——$277.00M7.2%
2023$4.30B——$718.00M16.7%
2022$3.87B——$223.00M5.8%

Annual figures as reported, in the company's reporting currency. As of December 31, 2025.

BFH Dividend History

$0.86+2.4% vs 2024

Dividends per share, 2025 · 4 payments

YearDividends per sharePaymentsChange
2026*$0.693—
2025$0.864+2.4%
2024$0.844+0.0%
2023$0.844+0.0%
YearDividends per sharePaymentsChange
2026 (partial year)$0.693—
2025$0.864+2.4%
2024$0.844+0.0%
2023$0.844+0.0%
2022$0.844+17.8%
2021$0.714−29.1%
2020$1.014−50.0%
2019$2.014+10.5%
2018$1.824+9.6%
2017$1.664+300.0%
2016$0.421—

Most recent payment: $0.23 per share, ex-dividend August 31, 2026. Per-share amounts summed by calendar year from ex-dividend dates. Partial years are shown muted and marked with an asterisk.

BFH Valuation vs Credit Services Median

Median of 56 stocks
MetricBFHCredit Services medianvs median
P/E8.1110.9126% below
P/S ratio1.511.501% above
Profit margin21.36%9.89%11.5 pts above

Medians across 56 Credit Services stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of October 21, 2026.

Recent News

All 20 articles ↓

News provided by third-party sources. Not financial advice.

Analysis

Data-derived

Company Overview

Bread Financial Holdings, Inc. (BFH) carries a market capitalisation of $4.02B. It is classified in the Credit Services industry, within the Financial Services sector. The company reports 6,000 employees.

The most recent close on file for BFH is $108.63, dated October 21, 2026. That is +$4.02 (+3.84%) against the previous close. The 52-week range on file runs from $59.26 to $114.53. The latest close sits 83.31% above that 52-week low.

Financial Health

Fiscal 2025 revenue came to $3.85B. That is +0.18% against the prior fiscal year, when revenue was $3.84B. The same year closed with net income of $518.00M. That is +87.00% against the prior fiscal year. The reported profit margin is 21.36%. That is 11.5 percentage points above the Credit Services median of 9.89%. Trailing earnings per share are 12.9.

Across the 4 fiscal years on file, revenue moves from $3.87B in 2022 to $3.85B in 2025. Of those 4 years, 4 report positive net income.

Valuation Assessment

The trailing P/E ratio stands at 8.11. That is 25.66% below the Credit Services median of 10.91. The forward P/E on file is 7.61. The PEG ratio, which sets the P/E against expected earnings growth, reads 2.24. Measured against sales, the shares trade at 1.51 times revenue. On price-to-sales that is 0.54% above the Credit Services median of 1.5. The medians here are taken across 56 Credit Services companies that report the metric.

Beta against the wider market is reported at 1.18. Annualized volatility over the trailing 10 years is 50.79%. The trailing one-year total return is +79.92%. Measured over 10 years, that is −2.30% a year compounded.

Growth & Income

BFH pays a dividend yielding 0.9%. That is 2.3 percentage points below the Credit Services median yield of 3.19%. At the indicated rate that is $0.92 a share a year. The ex-dividend date on file is August 31, 2026. Dividends are recorded for 11 calendar years; 2026 shows 3 payments totalling $0.69 a share. The year before, 2025, totalled $0.86 a share.

2026 is still running; the total return is +47.55% year to date. The strongest complete calendar year on file is 2024 at +88.97%; the weakest is 2022 at −42.42%. Of the 9 complete calendar years on file, 4 finished higher.

Peer Comparison

Bread Financial Holdings, Inc. (BFH) operates in the Credit Services industry. Here is how it compares to its closest peers by market capitalization:

Company Ticker Market Cap P/E Ratio
Bread Financial Holdings, Inc. BFH $4.02B 8.1
Visa Inc. V $765.68B 34.7
Mastercard Incorporated MA $545.42B 34.3
American Express Company AXP $214.98B 19.3

The Credit Services industry average P/E ratio is 10.9x. Bread Financial Holdings, Inc. trades at a P/E of 8.1.

Every figure above is read from this page's own data on each daily rebuild. Informational only, not financial advice. As of October 21, 2026.

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About Bread Financial Holdings, Inc.

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.

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