Bread Financial Inc.
BFH | NYSE
$106.55
-$1.45 (-1.34%)
Sep 22, 2026, 12:27 PM ET · Market open
Market Data
Market Cap $4.36B
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.) -0.1%
1Y CAGR (ann.) 70.5%
5Y CAGR (ann.) 9.0%
All-Time CAGR 5.0%
Valuation
PE Ratio 8.42
Forward PE 7.13
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
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