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Bread Financial Holdings, Inc.

BFH· NYSE
$103.39-2.15%
2026-10-30

Financials

Valuation Metrics

Bread Financial Holdings, Inc.'s Market Cap is $3.97B. At end of 2025 it was $3.31B. Ranked #1505 of 3,116 in US market (top 48%), #984 of 1,644 on NYSE (top 60%), #91 of 157 in Financial Services (top 58%) by Market Cap.

Investment Metrics(as of 2026-10-30)

MetricValue
Size
Market Cap$3.97B
Revenue$4.79B
Net Income$536M
Total Assets$23.29B
Net Assets$3.44B
Employees6,000
Value
P/E7.41x
P/B1.16x
PEG0.56x
P/S0.83x
EV/EBITDA4.18x
FCF Yield55.11%
Profitability
ROE15.60%
ROA2.30%
Op. Margin14.53%
Revenue Growth2.31%
Earnings Growth13.32%
Financial Health
Debt Ratio577.65%
Total Debt$3.13B
FCF$2.19B
Cash$3.96B
Current Ratio0.27x
Net Debt/EBITDA-1.10x
Dividend
Div. Yield1.26%
Div. Growth7.90%
Performance
1Y Return68.09%
1M Return5.77%
From 52W High-9.73%
1Y MDD-16.06%
Trading
Volume349,948 shares
Trading Value$36M
Per Share
EPS$13.95
BPS$89.46

Company Info

CEO Mr. Ralph J. Andretta
Employees 6,000
HQ Columbus, United States

Bread Financial Holdings, Inc. provides tech-forward payment and lending solutions to customers and consumer-based industries in North America. It offers credit card and other loans financing services, including risk management solutions, underwriting, and funding services for private label and co-brand credit card programs, as well as through Bread Pay partnerships. The company also manages and services the loans it originates for private label, co-brand, and general-purpose credit card programs, and installment loans and split-pay products; and provides marketing, and data and analytics services. In addition, it offers an enhanced digital suite that includes a unified software development kit, which provides access to its suite of products, as well as promotes credit payment options earlier in the shopping experience. Further, the company through Bread Pay, a digital payments platform and robust suite of application programming interfaces allows merchants and partners to integrate online point-of-sale financing and other digital payment products. Additionally, it offers retail and deposit products, primarily in the form of certificates of deposit and high-yield savings accounts, including traditional and Roth Individual Retirement Accounts. The company offers its products under the Bread, Bread Financial, Bread Cashback, Bread Rewards, Bread Pay, and Bread Savings brands. The company was formerly known as Alliance Data Systems Corporation and changed its name to Bread Financial Holdings, Inc. in March 2022. Bread Financial Holdings, Inc. was incorporated in 1995 and is headquartered in Columbus, Ohio.