Bread Financial Holdings, Inc.
General ticker "BFH" information:
- Sector: Financials
- Industry: Financial - Credit Services
- Capitalization: $3.0B (TTM average)
Bread Financial Holdings, Inc. follows the US Stock Market performance with the rate: 62.1%.
Estimated limits based on current volatility of 2.5%: low 100.42$, high 105.64$
Factors to consider:
- Company pays dividends (quarterly): last record date 2026-05-29, amount 0.23$ (Y0.91%)
- Total employees count: 6000 (0.0%) as of 2025
- Top business risk factors: Fraud risk, Ineffective risk management, Model inaccuracies, Reputation and brand risks, Transition risks
- Price in estimated range
- Earnings for 3 months up through Q1 exceed our estimates
Stock Forecast*
* forecast is subjective and experimental, should not be used for any investment decisions
Long term estimates were made for the period from 2025-12-31 to 2027-12-31
- 2025-12-31 to 2026-12-31 estimated range: [70.81$, 112.65$]
- 2026-12-31 to 2027-12-31 estimated range: [76.06$, 120.36$]
Financial Metrics affecting the BFH estimates:
- Negative: with PPE of 6.3 at the end of fiscal year the price was high
- Positive: Operating cash flow per share per price, % of 61.03 > 12.90
- Positive: 7.54 < Operating profit margin, % of 15.99
- Positive: Industry operating cash flow per share per price (median), % of 19.35 > 10.39
- Negative: Investing cash flow per share per price, % of -39.99 <= -14.17
- Positive: 1.81 < Return on assets ratio (scaled to [-100,100]) of 2.25
- Negative: Shareholder equity ratio, % of 14.68 <= 19.24
- Positive: Industry earnings per price (median), % of 4.73 > 4.45
- Positive: Inventory ratio change, % of 0 <= 0
Short-term BFH quotes
Long-term BFH plot with estimates
Financial data
| YTD | 2023-12-31 | 2024-12-31 | 2025-12-31 |
|---|---|---|---|
| Operating Revenue | $4,289.00MM | $3,838.00MM | $3,845.00MM |
| Operating Expenses | $3,321.00MM | $3,457.00MM | $3,230.00MM |
| Operating Income | $968.00MM | $381.00MM | $615.00MM |
| Interest Expense | $879.00MM | $960.00MM | $854.00MM |
| Income(Loss) | $968.00MM | $381.00MM | $615.00MM |
| Taxes | $231.00MM | $102.00MM | $94.00MM |
| Other Income(Loss) | $-19.00MM | $-2.00MM | $-3.00MM |
| Net Income(Loss)* | $718.00MM | $277.00MM | $518.00MM |
| Stockholders Equity | $2,918.00MM | $3,051.00MM | $3,327.00MM |
| Assets | $23,141.00MM | $22,891.00MM | $22,663.00MM |
| Operating Cash Flow | $1,987.00MM | $1,859.00MM | $2,092.00MM |
| Investing Cash Flow | $788.00MM | $-1,169.00MM | $-1,371.00MM |
| Financing Cash Flow | $-3,086.00MM | $-592.00MM | $-807.00MM |
| Earnings Per Share** | $14.42 | $5.58 | $11.54 |
* Profit(Loss) attributable to entity.
** EPS are Split Adjusted, recent splits may be reflected with a delay.