BFH
Bread Financial Holdings, Inc.
NYSEUSDEQUITY
DELAYED
Last price
105.91
▲ 2.73 (2.65%)
MARKET · —
Price
Too many bars for candle bodies at this width — showing high/low range per bar. Zoom in or pick a shorter range.
Open
103.18
Prev close
103.18
Day high
106.99
Day low
104.83
Volume
305.89K
Market cap
—
P/E (TTM)
—
52W range
53.83 – 114.53
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Trailing performance
Returnvs SPY
1W
-6.60%
-5.2%
1M
+2.25%
-1.5%
3M
+23.47%
+20.4%
6M
+39.85%
+28.8%
YTD
+43.06%
+30.8%
1Y
+77.58%
+57.6%
3Y
+183.86%
+109.7%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Fundamentals
Market cap—
Enterprise value—
Revenue (TTM)—
Gross profit—
EBITDA—
Net income—
EPS (TTM)—
Free cash flow—
Total cash—
Total debt—
Book value / share—
Shares outstanding—
Float—
Short % of float—
Dividend yield—
Beta (5Y)—
Valuation & profitability ratios
Trailing P/E—
Forward P/E—
PEG ratio—
Price / sales—
Price / book—
EV / revenue—
EV / EBITDA—
Gross margin—
Operating margin—
Profit margin—
Return on equity—
Return on assets—
Debt / equity—
Current ratio—
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $3.85B | $3.84B | $4.29B | $3.87B | — | +0.2% |
| Operating revenue | $3.85B | $3.84B | $4.29B | $3.87B | — | +0.2% |
| Cost of revenue | — | — | — | — | $1.59B | — |
| Gross profit | — | — | — | — | $2.06B | — |
| Selling, general & admin | $1.03B | $1.04B | $1.03B | $959.00M | — | -1.3% |
| Total operating expense | — | — | — | — | $1.02B | — |
| Operating income | — | — | — | — | $1.04B | — |
| Pre-tax income | $615.00M | $381.00M | $968.00M | $300.00M | — | +61.4% |
| Tax provision | $94.00M | $102.00M | $231.00M | $76.00M | — | -7.8% |
| Net income | $518.00M | $277.00M | $718.00M | $223.00M | — | +87.0% |
| Net income to common | $518.00M | $277.00M | $718.00M | $223.00M | — | +87.0% |
| Basic EPS | 11.07 | 5.58 | 14.39 | 4.47 | — | +98.4% |
| Diluted EPS | 10.89 | 5.49 | 14.34 | 4.46 | — | +98.4% |
| EBIT | — | — | — | — | $1.04B | — |
| EBITDA | — | — | — | — | $1.17B | — |
| Basic shares | 46.80M | 49.60M | 49.80M | 49.90M | — | -5.6% |
| Diluted shares | 47.60M | 50.40M | 50.00M | 50.00M | — | -5.6% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $3.60B | $3.68B | $3.59B | $3.89B | — | -2.0% |
| Cash & short-term investments | — | — | — | — | $3.11B | — |
| Accounts receivable | $148.00M | $145.00M | $144.00M | $164.00M | — | +2.1% |
| Total current assets | — | — | — | — | $19.86B | — |
| Property, plant & equipment | $180.00M | $229.00M | $265.00M | $283.00M | — | -21.4% |
| Goodwill & intangibles | $716.00M | $746.00M | $762.00M | $799.00M | — | -4.0% |
| Total assets | $22.66B | $22.89B | $23.14B | $25.41B | — | -1.0% |
| Total current liabilities | — | — | — | — | $11.77B | — |
| Current debt | $0 | $0 | $0 | $0 | — | — |
| Long-term debt | $4.31B | $5.56B | $5.29B | $8.01B | — | -22.5% |
| Total debt | $4.39B | $5.68B | $5.44B | $8.13B | — | -22.7% |
| Total liabilities | $19.34B | $19.84B | $20.22B | $23.14B | — | -2.5% |
| Retained earnings | $1.48B | $999.00M | $767.00M | $93.00M | — | +47.6% |
| Shareholder equity | $3.33B | $3.05B | $2.92B | $2.27B | — | +9.0% |
| Working capital | — | — | — | — | $8.09B | — |
| Net tangible assets | $2.61B | $2.31B | $2.16B | $1.47B | — | +13.3% |
| Shares issued | 44.10M | 49.10M | 49.30M | 49.90M | — | -10.2% |
| Line item | 2025 | 2024 | 2023 | 2022 | 2021 | YoY |
|---|---|---|---|---|---|---|
| Net income | $518.00M | $277.00M | $718.00M | $223.00M | — | +87.0% |
| Depreciation & amortisation | $80.00M | $90.00M | $116.00M | $113.00M | — | -11.1% |
| Stock-based compensation | $56.00M | $54.00M | $44.00M | $33.00M | — | +3.7% |
| Change in working capital | -$39.00M | -$67.00M | $28.00M | -$47.00M | — | +41.8% |
| Operating cash flow | $2.09B | $1.86B | $1.99B | $1.85B | — | +12.5% |
| Capital expenditure | — | — | — | -$68.00M | -$84.00M | — |
| Investing cash flow | -$1.37B | -$1.17B | $788.00M | -$5.11B | — | -17.3% |
| Share buybacks | -$313.00M | -$55.00M | -$35.00M | -$12.00M | — | -469.1% |
| Dividends paid | -$42.00M | -$43.00M | -$42.00M | -$43.00M | — | +2.3% |
| Financing cash flow | -$807.00M | -$592.00M | -$3.09B | $3.27B | — | -36.3% |
| Free cash flow | $2.09B | $1.86B | $1.99B | $1.85B | — | +12.5% |
| End cash position | $3.63B | $3.71B | $3.62B | $3.93B | — | -2.3% |
| Line item | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | YoY |
|---|---|---|---|---|---|---|---|
| Total revenue | $1.02B | $975.00M | $971.00M | $929.00M | $970.00M | — | +4.4% |
| Operating revenue | $1.02B | $975.00M | $971.00M | $929.00M | $970.00M | — | +4.4% |
| Selling, general & admin | $255.00M | $276.00M | $260.00M | $246.00M | $250.00M | — | -7.6% |
| Pre-tax income | $243.00M | $47.00M | $196.00M | $174.00M | $197.00M | — | +417.0% |
| Tax provision | $62.00M | -$6.00M | $8.00M | $35.00M | $55.00M | — | +1,133.3% |
| Net income | $181.00M | $54.00M | $188.00M | $139.00M | $138.00M | — | +235.2% |
| Net income to common | $179.00M | $54.00M | $188.00M | $139.00M | $138.00M | — | +231.5% |
| Basic EPS | 4.19 | — | 4.04 | 2.97 | 2.81 | 0.14 | — |
| Diluted EPS | 4.15 | — | 3.96 | 2.94 | 2.78 | 0.14 | — |
| Basic shares | 42.80M | — | 46.50M | 46.70M | 49.00M | 49.60M | — |
| Diluted shares | 43.20M | — | 47.50M | 47.20M | 49.60M | 50.90M | — |
| Line item | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | 2024-12-31 | YoY |
|---|---|---|---|---|---|---|---|
| Cash & equivalents | $3.64B | $3.60B | $3.76B | $3.80B | $4.21B | — | +0.9% |
| Accounts receivable | — | $148.00M | — | — | — | $145.00M | — |
| Property, plant & equipment | $112.00M | $180.00M | $122.00M | $127.00M | $133.00M | — | -37.8% |
| Goodwill & intangibles | $708.00M | $716.00M | $723.00M | $731.00M | $738.00M | — | -1.1% |
| Total assets | $22.31B | $22.66B | $21.71B | $21.82B | $22.38B | — | -1.6% |
| Current debt | — | $0 | $0 | $0 | $0 | $0 | — |
| Long-term debt | $3.94B | $4.31B | $3.79B | $4.23B | $5.12B | — | -8.5% |
| Total debt | $3.94B | $4.39B | $3.79B | $4.23B | $5.12B | — | -10.3% |
| Total liabilities | $18.98B | $19.34B | $18.40B | $18.66B | $19.31B | — | -1.8% |
| Retained earnings | $1.64B | $1.48B | $1.43B | $1.25B | $1.13B | — | +11.4% |
| Shareholder equity | $3.33B | $3.33B | $3.32B | $3.17B | $3.07B | — | -0.1% |
| Net tangible assets | $2.62B | $2.61B | $2.59B | $2.44B | $2.33B | — | +0.2% |
| Shares issued | 41.30M | 44.10M | 46.00M | 46.60M | 47.60M | — | -6.3% |
| Line item | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | 2025-03-31 | YoY |
|---|---|---|---|---|---|---|
| Net income | $181.00M | $54.00M | $188.00M | $138.00M | $138.00M | +235.2% |
| Depreciation & amortisation | $19.00M | $19.00M | $19.00M | $21.00M | $21.00M | 0.0% |
| Stock-based compensation | $15.00M | $15.00M | $13.00M | $15.00M | $13.00M | 0.0% |
| Change in working capital | -$73.00M | $39.00M | -$13.00M | $56.00M | -$121.00M | -287.2% |
| Operating cash flow | $487.00M | $568.00M | $605.00M | $526.00M | $393.00M | -14.3% |
| Investing cash flow | $317.00M | -$1.50B | -$338.00M | -$221.00M | $691.00M | +121.1% |
| Share buybacks | -$153.00M | -$123.00M | -$40.00M | -$47.00M | -$103.00M | -24.4% |
| Dividends paid | -$14.00M | -$11.00M | -$9.00M | -$10.00M | -$12.00M | -27.3% |
| Financing cash flow | -$475.00M | $784.00M | -$306.00M | -$723.00M | -$562.00M | -160.6% |
| Free cash flow | $487.00M | $568.00M | $617.00M | $514.00M | $393.00M | -14.3% |
| End cash position | $3.96B | $3.63B | $3.78B | $3.82B | $4.24B | +9.1% |
Analyst targets & ownership
Mean target—
High target—
Low target—
Implied upside—
Analyst count—
Consensus—
Strong buy / Buy— / —
Hold—
Sell / Strong sell— / —
Held by insiders—
Held by institutions—
Institutions holding—
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
109.19
-3.00% from price
SMA 20
109.26
-3.07% from price
SMA 50
104.80
+1.06% from price
SMA 100
95.31
+11.13% from price
SMA 200
83.65
+26.61% from price
EMA 12
108.38
-2.28% from price
EMA 26
107.15
-1.15% from price
EMA 50
103.61
+2.22% from price
RSI (14)
47.7
Neutral
MACD (12,26,9)
1.23
Hist -0.93
ATR (14)
3.17
2.99% of price
Realised vol 30D
28.8%
Annualised
Bollinger upper
114.29
20, 2σ
Bollinger lower
104.23
20, 2σ
50 / 200 cross
Golden
104.80 vs 83.65
Trend bias
Above 200
+26.61%
Risk profile
Beta vs SPY
1.19
More volatile than market
Correlation to SPY
0.38
Loosely linked
Realised vol 30D
28.8%
Annualised
Market vol 1Y
12.9%
SPY, annualised
Max drawdown 1Y
-19.3%
Peak to trough
Max drawdown 5Y
-71.5%
Peak to trough
ATR 14
3.17
2.99% of price
Beta (reported)
—
5Y monthly, from filing
Headlines
Sector Update: Financial Stocks Lean Lower Pre-Bell Monday
MT Newswires · 5d ago
Sector Update: Financial
MT Newswires · 5d ago
Bread Financial's July Delinquencies Decline, Loans Increase
MT Newswires · 6d ago
BofA Adjusts Price Target on Bread Financial to $129 From $115
MT Newswires · 6d ago
Bread Financial Provides Performance Update for July 2026
GlobeNewswire · 6d ago
1 Unpopular Stock That Should Get More Attention and 2 We Question
StockStory · 8d ago
UBS Adjusts Price Target on Bread Financial Holdings to $127 From $120, Maintains Buy Rating
MT Newswires · 19d ago
The Top 5 Analyst Questions From Bread Financial’s Q2 Earnings Call
StockStory · 21d ago
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