NVDA+0.84%AAPL−2.51%GOOGL−1.17%MSFT−2.04%AMZN−0.15%TSM+2.85%SPCX−1.20%AVGO+0.21%
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.

BFH

$110.87

+$2.08 (+1.91%)

Sep 4, 2026 · Market close

Compare

Price History

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

Compare BFH with… →

BFH Key Statistics

As of Sep 4, 2026
Trading
Open
$107.07
Previous Close
$108.79
Day's Range
107.05–110.97
52-Week Range
53.83–114.53
Volume
712.90K
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.
1.13
Valuation
Market Cap
$4.26B
P/E Ratio
8.60
Forward P/EShare price divided by forecast earnings for the year ahead, rather than the year just past.
8.29
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.
3.19
P/S ratioMarket value divided by annual revenue. Useful for companies that are not yet profitable, where a P/E cannot be calculated.
1.60
EPS (ttm)Profit attributable to each share over the last twelve months.
12.89
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
+67.04%
Dividend and dates
Dividend
$0.92+0.85%
Ex-Dividend Date
August 31, 2026
Earnings Date
October 22, 2026estimated
Avg Volume
619.59K

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

BFH Stock Return by Calendar Year

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

YearReturn
2026 (partial year)+50.59%
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 September 4, 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 60 stocks
MetricBFHCredit Services medianvs median
P/E8.6012.4731% below
P/S ratio1.601.643% below
Profit margin21.36%9.99%11.4 pts above

Medians across 60 Credit Services stocks that report the metric. Medians, not averages, so one outlier cannot move them. As of September 4, 2026.

Recent News

All 8 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 $4.26B. 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 $110.87, dated September 4, 2026. That is +$2.08 (+1.91%) against the previous close. The 52-week range on file runs from $53.83 to $114.53. The latest close sits 105.96% 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 11.4 percentage points above the Credit Services median of 9.99%. Trailing earnings per share are 12.89.

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 8.6. That is 31.03% below the Credit Services median of 12.47. The forward P/E on file is 8.29. The PEG ratio, which sets the P/E against expected earnings growth, reads 3.19. Measured against sales, the shares trade at 1.6 times revenue. On price-to-sales that is 2.68% below the Credit Services median of 1.64. The medians here are taken across 60 Credit Services companies that report the metric.

Beta against the wider market is reported at 1.13. Annualized volatility over the trailing 10 years is 50.76%. The trailing one-year price return is +67.04%. Measured over 10 years, that is −2.57% a year compounded.

Growth & Income

BFH pays a dividend yielding 0.85%. That is 3.4 percentage points below the Credit Services median yield of 4.22%. 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 price is +50.59% 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 $4.26B 8.6
Visa Inc. V $700.27B 31.9
Mastercard Incorporated MA $507.39B 32.3
American Express Company AXP $220.26B 20.0

The Credit Services industry average P/E ratio is 12.5x. Bread Financial Holdings, Inc. trades at a P/E of 8.6.

Every figure above is read from this page's own data on each nightly rebuild. Informational only, not financial advice. As of September 4, 2026.

Related Credit Services Stocks

V

Visa Inc.

$700.27B

 MA

Mastercard Incorporated

$507.39B

 AXP

American Express Company

$220.26B

 COF

Capital One Financial Corporation

$134.72B

 PYPL

PayPal Holdings, Inc.

$47.02B

 SYF

Synchrony Financial

$26.00B
View all Credit Services stocks →

Popular Financial Services Stocks

BRK-B

Berkshire Hathaway Inc.

$1.08T

 JPM

JPMorgan Chase & Co.

$953.33B

 BAC

Bank of America Corporation

$438.31B

 HSBC

HSBC Holdings plc

$366.94B

 MS

Morgan Stanley

$341.94B
View all Financial Services stocks →

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.

Visit website →