Bread Financial Holdings, Inc.(BFH)Earnings, Financials & Key RatiosBread Financial Holdings, Inc. (BFH) stock price & volume — 10-year historical chart
Investment Thesis • Updated 2026Q1
while the stock trades at a low 9.70 P/E TTM, the inherent risk of credit loss volatility and the tight 0.26 current ratio warrant a wait-and-see approach until balance sheet stability improves.
Bread Financial Holdings, Inc. (BFH) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Bread Financial Holdings, Inc. (BFH) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $4.18vs $3.00+39.3% | $1.0Bvs $994M+2.5% |
| Q1 2026 | Jan 29, 2026 | $2.07vs $0.40+417.5% | $975Mvs $953M+2.3% |
| Q4 2025 | Oct 23, 2025 | $4.02vs $2.11+90.5% | $971Mvs $968M+0.3% |
| Q3 2025 | Jul 24, 2025 | $3.14vs $1.85+69.7% | $926Mvs $974M-4.9% |
Recent stock market news and headlines for Bread Financial Holdings, Inc. (BFH)
Bread Financial is poised to gain from solid credit sales, proactive risk management, financial flexibility, prudent capital deployment and higher return on capital.
Investors looking for stocks in the Financial - Miscellaneous Services sector might want to consider either Bread Financial Holdings (BFH) or Futu Holdings Limited Sponsored ADR (FUTU). But which of these two stocks presents investors with the better value opportunity right now?
Bread Financial Holdings is emerging as a high-quality lender focused on disciplined, responsible loan growth and risk management. BFH's strategic diversification into digital banking, new lending products, and integrated payments platforms enhances stability and growth prospects. Recent results show 7% YoY credit sales growth, improved net loss and delinquency rates, and rising direct-to-consumer deposits.
Here is how Bread Financial Holdings (BFH) and Broadstone Net Lease, Inc. (BNL) have performed compared to their sector so far this year.
Bread Financial (BFH) might move higher on growing optimism about its earnings prospects, which is reflected by its upgrade to a Zacks Rank #1 (Strong Buy).
Key metrics vs top competitors for Bread Financial Holdings, Inc. (BFH)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $102.36 | $4.14B | 9.34 | -2.06% | 11.02% | 16.24% | 0.89% | |
| $76.77 | $25.82B | 8.26 | -7.91% | 18.08% | 21.41% | — | |
| $202.89 | $124.98B | 50.34 | 28.39% | 4.29% | 2.86% | — | |
| $59.62 | $6.98B | 9.09 | 9.09% | 16.12% | 23.62% | — | |
| $45.40 | $13.92B | 19.16 | -25.75% | 8.92% | 9.19% | — | |
| $646.58 | $6.74B | 17.22 | 8.57% | 19.61% | 29.39% | — |
Bread Financial Holdings, Inc. (BFH) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Bread Financial Holdings, Inc. (BFH) SEC filings — annual & quarterly reports (10-K, 10-Q)
Jun 10, 2026·SEC
May 22, 2026·SEC
May 15, 2026·SEC
Feb 13, 2026·SEC
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Bread Financial Holdings, Inc. (BFH) stock FAQ — growth, dividends, profitability & financials explained
Bread Financial Holdings, Inc. (BFH) reported $4.71B in revenue for fiscal year 2025.
Bread Financial Holdings, Inc. (BFH) saw revenue decline by 2.1% over the past year.
Yes, Bread Financial Holdings, Inc. (BFH) is profitable, generating $561.0M in net income for fiscal year 2025 (11.0% net margin).
Yes, Bread Financial Holdings, Inc. (BFH) pays a dividend with a yield of 0.89%. This makes it attractive for income-focused investors.
Bread Financial Holdings, Inc. (BFH) has a return on equity (ROE) of 16.2%. This is reasonable for most industries.
Bread Financial Holdings, Inc. (BFH) generated $2.18B in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.
