Bread Financial Inc.

BFH | NYSE

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$108

-$0.53 (-0.49%)

At close: Sep 21, 2026, 4:00 PM ET

$108

$0 (0.00%)

After-hours: Sep 21, 2026, 5:55 PM ET

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $4.39B

Enterprise Value $3.97B

Beta 1.13

Average Volume 613.17K

Shares Outstanding (Diluted) 40.7M

Shares Change YoY -13.77%

Institutional Ownership N/A

Exchange NYSE

ISIN US0185811082

Price Performance

Price Change 1M 2.0%

Price Change 3M 4.1%

Price Change 6M 43.8%

Price Change YTD 43.4%

Price Change 1Y 72.4%

Price Change 3Y 215.4%

Price Change 5Y 32.3%

1M CAGR (ann.) -1.1%

1Y CAGR (ann.) 77.6%

5Y CAGR (ann.) 9.8%

All-Time CAGR 5.0%

Valuation

PE Ratio 8.42

Forward PE 7.20

PEG Ratio 0.07

Forward PEG 0.75

PS Ratio 0.92

Forward PS 1.00

PB Ratio 1.30

P/FCF Ratio 2.00

P/Adj. FCF Ratio 2.06

P/OCF Ratio 1.97

EV/Sales 0.83

EV/EBIT 5.81

EV/EBITDA 5.36

EV/FCF 1.82

Earnings Yield 11.9%

FCF Yield 49.9%

Adj. FCF Yield 48.6%

Financial Health

Net Cash $398M

Total Debt $3.29B

Cash & Short-Term Investments $3.68B

Total Assets $22.45B

Current Ratio 0.00

Quick Ratio 0.00

Debt / Equity Ratio 0.98

Debt / EBITDA 4.44

Debt / FCF 1.51

OCF / Debt 0.67

Interest Coverage 0.86

Altman Z-Score 0.76

Piotroski F-Score 7

Margins & Profitability

Gross Profit Margin 64.0%

Operating Profit Margin 14.4%

EBITDA Margin 15.6%

Net Profit Margin 11.9%

FCF Margin 45.8%

Adj. FCF Margin 44.6%

SBC / Revenue 1.2%

SBC Impact (per share) -2.7%

Returns

Return on Assets 2.5%

Return on Equity 17.0%

Return on Invested Capital 2.5%

Return on Capital Employed 3.0%

Return on Tangible Assets 2.6%

Historical Growth (CAGR)

Revenue CAGR 3Y -1.8%

Revenue CAGR 5Y 5.0%

Revenue CAGR 10Y -3.5%

EPS CAGR 3Y 8.5%

EPS CAGR 5Y -2.1%

EPS CAGR 10Y 4.8%

FCF CAGR 3Y 8.8%

FCF CAGR 5Y 4.2%

FCF CAGR 10Y 3.6%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 37

EPS Growth Next 3Y 10.9%

Revenue Growth Next 3Y -0.7%

Earnings Date Oct 21, 2026

EPS Estimate (next Q) $3.42

EPS Growth Est (next Q) -14.9%

Revenue Est (next Q) $1.01B

Revenue Growth Est (next Q) 4.0%

Fair Value Estimates

Graham Number $155.97

Graham Upside 44.4%

Lynch Fair Value $64.10

Lynch Upside -40.6%

Price Target $116.55

Price Target Upside 7.9%

Cash Flow

Operating Cash Flow $2.19B

Free Cash Flow $2.18B

Adj. Free Cash Flow $2.12B

FCF Per Share $54.76

OCF Per Share $54.96

OCF/S Ratio 46.1%

Income Statement

Revenue $4.75B

Gross Profit $3.04B

Operating Income $683M

EBITDA $740M

Net Income $568M

EPS (Diluted) $12.82

Revenue / Employee $792.33K

Profit / Employee $94.67K

Employees 6,000

Dividends

Annual Dividend $0.92

Dividend Yield 0.85%

Payout Ratio 7.2%

FCF Payout Ratio 2.0%

Adj. FCF Payout Ratio 2.1%

Dividend Growth (YoY) 9.5%

Pay Frequency Quarterly

Ex-Dividend Date Aug 30, 2026