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BFH

Bread Financial Holdings, Inc. (BFH)

$

51.91

+0.30 (0.58%)


Key metrics

Financial statements

Free cash flow per share

Free cash flow per share

37.1837

Market cap

Market cap

2.3 Billion

Price to sales ratio

Price to sales ratio

0.5797

Debt to equity

Debt to equity

0

Current ratio

Current ratio

0

Income quality

Income quality

6.4464

Average inventory

Average inventory

0

ROE

ROE

0.0903



Technology

Technology

Technology – consumer electronics

Largecap

Largecap

With a market cap of 121,78 bil stock is ranked 1

Low risk

Low risk

ISS score of this stock is ranked 1


Company description

Profile

Bread Financial Holdings, Inc. is a technology-driven provider of payment and lending solutions tailored for customers and consumer industries throughout North America. The company offers an array of financing services, notably credit card and various loan options, supplemented by risk management solutions, account origination, and funding services. This is accomplished through approximately 130 private label and co-brand credit card programs, alongside partnerships with around 500 small and medium-sized business merchants. Additionally, they provide Comenity-branded cash-back credit options. The company effectively manages and services the loans it originates for its private label, co-brand, and general-purpose credit card initiatives, including Bread BNPL (installment and split-pay) products. Their offerings extend to marketing, data, and analytics services. By leveraging an enhanced digital suite, which features a unified software development kit, Bread Financial promotes seamless integration of credit payment options earlier in the shopping experience. The total costs and expenses for the company are $3,838,000,000.00 reflecting its overall spending. The operating expenses amount to $3,838,000,000.00 encompassing various operational costs incurred. The earnings per share (EPS) is reported at $5.58 indicating the company's profitability on a per-share basis. The diluted EPS is $5.50 accounting for potential share dilution. Furthermore, the company incurred an income tax expense of $102,000,000.00 indicating its tax obligations. Operating within the financial services landscape, Bread Financial Holdings, Inc. has emerged as a key player in the Financial - Credit Services industry, contributing significantly to the overall market landscape. The company is positioned in the Financial Services sector, driving innovation and growth as it adapts to the needs of its clients. The stock is reasonably priced at $51.91 appealing to a broad range of investors. With a mid-range market capitalization of $2,416,368,972.00 the company is a steady performer. Additionally, the stock has an average trading volume of 1,064,659.00 indicating moderate liquidity. As a vital contributor to contemporary payment solutions, Bread Financial continues to enhance its services through a robust suite of application programming interfaces, allowing merchants and partners to integrate online point-of-sale financing and various digital payment products.

What is Bread Financial Holdings, Inc. (BFH)'s current stock price?

The current stock price of Bread Financial Holdings, Inc. (BFH) is $51.91 as of 2025-05-29. Prices may fluctuate during the trading day. For real-time updates, check your brokerage platform or financial news websites.

Investing in Bread Financial Holdings, Inc. (BFH) depends on multiple factors, including revenue growth, profit margins, debt-to-equity ratio, earnings per share, and return on equity. Analysts have rated it as B+, with a Bearish outlook. Always conduct your own research before investing.

Analysts predict Bread Financial Holdings, Inc. stock to fluctuate between $38.21 (low) and $66.71 (high) in the next 365 days, reflecting market expectations and potential volatility.

As of 2025-05-29, Bread Financial Holdings, Inc.'s market cap is $2,416,368,972, based on 46,549,200 outstanding shares.

Compared to Meta Platforms, Inc. Class A Common Stock, Bread Financial Holdings, Inc. has a Lower Market-Cap, indicating a difference in performance.

Bread Financial Holdings, Inc. pays dividends. The current dividend yield is 1.66%, with a payout of $0.21 per share.

To buy Bread Financial Holdings, Inc. (BFH) stock: Open a brokerage account (e.g., Robinhood, TD Ameritrade, E-Trade). Search for BFH. Place an order (Market, Limit, etc.).

The best time to invest depends on market trends and technical indicators, which show a Bearish trend based on economic conditions and company performance.

Bread Financial Holdings, Inc.'s last stock split was 1253:1000 on 2021-11-08.

Revenue: $3,838,000,000 | EPS: $5.58 | Growth: -61.30%.

Visit https://www.breadfinancial.com/investor-relations for detailed financial reports.

You can explore historical data from here

All-time high: $66.71 (2024-12-12) | All-time low: $23.19 (2023-05-04).

Key trends include market demand, economic conditions, interest rates, and industry competition, which influence the stock's performance.


News

BFH

globenewswire.com

Bread Financial Announces Modified Dutch Auction Cash Tender Offer for 9.750% Senior Notes Due 2029

COLUMBUS, Ohio, May 21, 2025 (GLOBE NEWSWIRE) -- Bread Financial Holdings, Inc. (NYSE: BFH) (“Bread Financial” or the “Company”) today announced it has commenced a cash tender offer (the “Tender Offer”) to purchase up to $150.0 million (subject to increase, the “Tender Cap”) aggregate principal amount of its 9.750% Senior Notes maturing March 2029 (the “Notes”). The Tender Offer is being made on the terms and subject to the conditions set forth in the Offer to Purchase, dated May 21, 2025 (as it may be amended or supplemented, the “Offer to Purchase”).

BFH

globenewswire.com

Bread Financial Provides Performance Update for April 2025

COLUMBUS, Ohio, May 13, 2025 (GLOBE NEWSWIRE) -- Bread Financial® Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions to millions of U.S. consumers, provided a performance update. The following tables present the Company's net loss rate and delinquency rate for the periods indicated:   For the month ended April 30, 2025   For the month ended April 30, 2024   (dollars in millions) End-of-period credit card and other loans $ 17,721     $ 17,891   Average credit card and other loans $ 17,712     $ 18,006   Year-over-year change in average credit card and other loans   (2 %)     2 % Net principal losses (1) $ 114     $ 127   Net loss rate (1)   7.8 %     8.6 %   As of April 30, 2025   As of April 30, 2024   (dollars in millions) 30 days + delinquencies – principal $ 933     $ 993   Period ended credit card and other loans – principal $ 16,264     $ 16,492   Delinquency rate   5.7 %     6.0 %                 (1) As a result of hurricanes Helene and Milton we froze delinquency progression for cardholders in Federal Emergency Management Agency identified impact zones for one billing cycle, which resulted in modestly lower Net principal losses and Net loss rate in the fourth quarter of 2024, and consequently these actions will negatively impact Net principal losses and Net loss rate in the second quarter of 2025.

BFH

globenewswire.com

Bread Financial's 2024 Sustainability Report showcases focus, investment in sustainable business practices

Twelfth annual report reinforces commitments and demonstrates ongoing progress toward sustainability strategy and related priorities Twelfth annual report reinforces commitments and demonstrates ongoing progress toward sustainability strategy and related priorities

BFH

prnewswire.com

Bread Financial, Bob Woodruff Foundation Announce Multiyear Mission to Improve Mental Health Care for Children in Military Families

Three-year, $3 million investment will focus on expanding care, training clinicians, and proven programs fostering wellness and social connection NEW YORK , May 5, 2025 /PRNewswire/ -- Bread Financial® (NYSE: BFH) and the Bob Woodruff Foundation announced today that the tech-forward financial services company and the leading nonprofit organization supporting veterans will embark on a multiyear mission to improve the mental health of children in military families. Bread Financial's $3 million investment over the next three years will build on the company's history of supporting the Bob Woodruff Foundation, including efforts focused on children and families of those who have served in uniform.

BFH

zacks.com

Bread Financial Q1 Earnings, Revenues Top Estimates, Credit Sales Rise

BFH first-quarter results reflect higher credit sales, an increase in total interest income and a decline in total non-interest expenses.

BFH

zacks.com

Compared to Estimates, Bread Financial (BFH) Q1 Earnings: A Look at Key Metrics

While the top- and bottom-line numbers for Bread Financial (BFH) give a sense of how the business performed in the quarter ended March 2025, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.

BFH

zacks.com

Bread Financial Holdings (BFH) Q1 Earnings and Revenues Top Estimates

Bread Financial Holdings (BFH) came out with quarterly earnings of $2.86 per share, beating the Zacks Consensus Estimate of $2.10 per share. This compares to earnings of $2.73 per share a year ago.

BFH

globenewswire.com

Bread Financial Reports First Quarter 2025 Results

COLUMBUS, Ohio, April 24, 2025 (GLOBE NEWSWIRE) -- Bread Financial ® Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, flexible payment, lending and saving solutions, today announced its first quarter 2025 financial results. All earnings-related materials are now available at the company's investor relations website, here.

BFH

globenewswire.com

Bread Financial Declares Dividend on Common Stock

COLUMBUS, Ohio, April 24, 2025 (GLOBE NEWSWIRE) -- Bread Financial ® Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, flexible payment, lending and saving solutions, today announced that its Board of Directors declared a quarterly cash dividend of $0.21 per share on the Company's common stock, payable on June 13, 2025 to stockholders of record at the close of business on May 9, 2025.

BFH

zacks.com

Bread Financial Holdings (BFH) Expected to Beat Earnings Estimates: Can the Stock Move Higher?

Bread Financial (BFH) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

See all news

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