Bread Financial Holdings Statistics
Total Valuation
BFH has a market cap or net worth of $4.29 billion. The enterprise value is $4.54 billion.
Important Dates
The next estimated earnings date is Thursday, July 23, 2026, before market open.
| Earnings Date | Jul 23, 2026 |
| Ex-Dividend Date | May 29, 2026 |
Share Statistics
BFH has 40.41 million shares outstanding. The number of shares has decreased by -8.69% in one year.
| Current Share Class | 40.41M |
| Shares Outstanding | 40.41M |
| Shares Change (YoY) | -8.69% |
| Shares Change (QoQ) | -6.09% |
| Owned by Insiders (%) | 1.55% |
| Owned by Institutions (%) | 109.00% |
| Float | 39.76M |
Valuation Ratios
The trailing PE ratio is 8.74 and the forward PE ratio is 9.80. BFH's PEG ratio is 0.95.
| PE Ratio | 8.74 |
| Forward PE | 9.80 |
| PS Ratio | 1.62 |
| Forward PS | 1.08 |
| PB Ratio | 1.32 |
| P/TBV Ratio | 1.64 |
| P/FCF Ratio | 1.96 |
| P/OCF Ratio | 1.96 |
| PEG Ratio | 0.95 |
Financial Ratio HistoryEnterprise Valuation
| EV / Earnings | 8.11 |
| EV / Sales | 1.72 |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | 2.07 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | n/a |
| Debt / EBITDA | n/a |
| Debt / FCF | 1.77 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 17.52%.
| Return on Equity (ROE) | 17.52% |
| Return on Assets (ROA) | 2.51% |
| Return on Invested Capital (ROIC) | n/a |
| Return on Capital Employed (ROCE) | n/a |
| Weighted Average Cost of Capital (WACC) | 5.61% |
| Revenue Per Employee | $440,667 |
| Profits Per Employee | $93,167 |
| Employee Count | 6,000 |
| Asset Turnover | n/a |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, BFH has paid $101.00 million in taxes.
| Income Tax | 101.00M |
| Effective Tax Rate | 15.28% |
Stock Price Statistics
The stock price has increased by +89.97% in the last 52 weeks. The beta is 1.17, so BFH's price volatility has been higher than the market average.
| Beta (5Y) | 1.17 |
| 52-Week Price Change | +89.97% |
| 50-Day Moving Average | 91.43 |
| 200-Day Moving Average | 74.89 |
| Relative Strength Index (RSI) | 78.37 |
| Average Volume (20 Days) | 785,074 |
Short Selling Information
The latest short interest is 2,718, so 0.01% of the outstanding shares have been sold short.
| Short Interest | 2,718 |
| Short Previous Month | 6,699 |
| Short % of Shares Out | 0.01% |
| Short % of Float | 0.01% |
| Short Ratio (days to cover) | n/a |
Income Statement
In the last 12 months, BFH had revenue of $2.64 billion and earned $559.00 million in profits. Earnings per share was $12.18.
| Revenue | 2.64B |
| Gross Profit | 2.64B |
| Operating Income | 735.00M |
| Pretax Income | 661.00M |
| Net Income | 559.00M |
| EBITDA | n/a |
| EBIT | n/a |
| Earnings Per Share (EPS) | $12.18 |
Full Income StatementBalance Sheet
The company has $3.64 billion in cash and $3.88 billion in debt, giving a net cash position of -$241.00 million or -$5.96 per share.
| Cash & Cash Equivalents | 3.64B |
| Total Debt | 3.88B |
| Net Cash | -241.00M |
| Net Cash Per Share | -$5.96 |
| Equity (Book Value) | 3.33B |
| Book Value Per Share | 80.51 |
| Working Capital | -11.43B |
Full Balance SheetCash Flow
| Operating Cash Flow | 2.19B |
| Capital Expenditures | n/a |
| Depreciation & Amortization | n/a |
| Net Borrowing | -1.32B |
| Free Cash Flow | 2.19B |
| FCF Per Share | $54.10 |
Full Cash Flow StatementMargins
| Gross Margin | n/a |
| Operating Margin | 27.80% |
| Pretax Margin | 25.00% |
| Profit Margin | 21.22% |
| EBITDA Margin | n/a |
| EBIT Margin | n/a |
| FCF Margin | 82.68% |