Bread Financial Holdings, Inc. (BFH) Stock

About Bread Financial Holdings, Inc.

Bread Financial Holdings, Inc. (BFH) stock trades at $99.89 with a market capitalization of $3.84B. The stock is valued at a price-to-earnings (P/E) ratio of 7.50, price-to-book of 1.16, price-to-sales of 0.83. Over the past 52 weeks the stock has ranged between $53.83 and $114.53, and currently trades 12.8% below its 52-week high. It pays a dividend yielding 0.94%.

On profitability, Bread Financial Holdings, Inc. generates a return on equity (ROE) of 17.04%, above the typical market range of roughly 12-15%, return on capital employed of 3.04%, an operating margin of 14.00%, a net profit margin of 11.95%.

Bread Financial Holdings, Inc. by the numbers, 2016–2025

Between 2016 and 2025 Bread Financial Holdings, Inc. reported revenue of $7.1B rising to $4.7B, a change of -34.2% across 10 years. Compounded, revenue has grown 7.3% a year over five years, 2.4% over three, -2.1% over the last twelve months. Net profit held roughly flat to $518.0M.

Operating margin went from 17.7% in 2016 to 13.1% in 2025, a fall of 4.7 percentage points. The most recent net margin is 11.95%. On a trailing twelve-month basis to Jun '26, revenue is $4.8B and net profit $568.0M.

Borrowings fell from $12.6B to $4.4B, cash from operations was $2.1B in the latest year, positive in 10 of the last 10.

Return on equity has averaged 19.5% over five years, and was 15.6% in the most recent year.

The share price itself has compounded at 4.2% a year over five years, 52.5% over three, 106.4% over the last year. Past price movement is history, not a forecast.

Figures are as reported and in the company's own reporting currency. They describe what has already happened and carry no implication about what follows.

Bread Financial Holdings, Inc. (BFH) — frequently asked questions