Bread Financial Holdings, Inc.
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)
| Metric | Value | Rank |
|---|---|---|
| Size | ||
| Market Cap | $3.97B | US#1,505/3,116 Sec#91/157 |
| Revenue | $4.79B | US#906/3,116 Sec#45/157 |
| Net Income | $536M | US#804/3,116 Sec#51/157 |
| Total Assets | $23.29B | US#563/3,116 Sec#52/157 |
| Net Assets | $3.44B | US#885/3,116 Sec#58/157 |
| Employees | 6,000 | US#1,114/3,116 Sec#50/157 |
| Value | ||
| P/E | 7.41x | US#172/3,116 Sec#24/157 |
| P/B | 1.16x | US#578/3,116 Sec#43/157 |
| PEG | 0.56x | US#637/3,116 Sec#40/157 |
| P/S | 0.83x | US#602/3,116 Sec#18/157 |
| EV/EBITDA | 4.18x | US#126/3,116 Sec#9/157 |
| FCF Yield | 55.11% | US#28/3,116 Sec#6/157 |
| Profitability | ||
| ROE | 15.60% | US#848/3,116 Sec#70/157 |
| ROA | 2.30% | US#1,560/3,116 Sec#82/157 |
| Op. Margin | 14.53% | US#1,229/3,116 Sec#94/157 |
| Revenue Growth | 2.31% | US#2,007/3,116 Sec#100/157 |
| Earnings Growth | 13.32% | US#983/3,116 Sec#58/157 |
| Financial Health | ||
| Debt Ratio | 577.65% | US#2,400/3,116 Sec#103/157 |
| Total Debt | $3.13B | US#913/3,116 Sec#70/157 |
| FCF | $2.19B | US#329/3,116 Sec#25/157 |
| Cash | $3.96B | US#254/3,116 Sec#29/157 |
| Current Ratio | 0.27x | US#2,861/3,116 Sec#134/157 |
| Net Debt/EBITDA | -1.10x | US#268/3,116 Sec#14/157 |
| Dividend | ||
| Div. Yield | 1.26% | US#1,202/3,116 Sec#84/157 |
| Div. Growth | 7.90% | US#623/3,116 Sec#57/157 |
| Performance | ||
| 1Y Return | 68.09% | US#300/3,116 Sec#10/157 |
| 1M Return | 5.77% | US#1,207/3,116 Sec#48/157 |
| From 52W High | -9.73% | US#675/3,116 Sec#26/157 |
| 1Y MDD | -16.06% | US#346/3,116 Sec#15/157 |
| Trading | ||
| Volume | 349,948 shares | US#2,096/3,116 Sec#106/157 |
| Trading Value | $36M | US#1,300/3,116 Sec#77/157 |
| Per Share | ||
| EPS | $13.95 | US#173/3,116 Sec#21/157 |
| BPS | $89.46 | US#139/3,116 Sec#11/157 |
Company Info
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.