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Bread Financial Holdings, Inc. (BFH) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Bread Financial Holdings, Inc. stock $204, price $102, upside +100.0%, quality 72 out of 100. Rating: strongly undervalued. Calculated from audited financials with 13 of our 26 valuation models and 37 quality factors, updated daily.

13 models, one by oneBear $82.35 to bull $274.16 Growth analysisrevenue history, year by year Quality 72/100 in detail37 factors, each one shown Compared with its peersrank on every measure, side by side

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Financial Services US

Broad data Nov 8, 2026

Bread Financial Holdings, Inc.

BFH · US

Meets all rules: undervalued, solid quality, uptrend

The stock costs 50% less than our calculation considers fair.

Fair value $203.66 · Strongly undervalued (50%)

Quality 72/100

Healthy Growth (revenue 3y +7.1 %/yr in USD)

Solidly profitable · 20.0% net margin (TTM)

0.9% dividend yield · Low payout

Upbeat coverage

Broad data

Costs just 8 times its yearly profit.

Mixed vs. peers (7/15)

Wide moat 69/100 · thin data

Insiders bought $60,328 (6M) · sold $1.6M

Risks from the AI analysis

🚩Proposed rules intensifying credit card competition

Watch Bread Financial Holdings, Inc. for free: we tell you when fair value or trend changes. Watch for free

What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.

How to read this chart

60‑month range $22.26 – $113.15 · fair‑value band $82.35 – $274.16 · the $101.83 price screens below the $203.66 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.

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Company profile

Bread Financial Holdings, Inc. provides tech-forward payment and lending solutions to customers and consumer-based industries in North America.

Show moreShow less

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.

Stock analysis

Bread Financial Holdings, Inc. (BFH) currently trades at $101.83, while our model-based Fair Value estimate is $203.66, implying the stock looks roughly 50% undervalued today.

Valuation

Bull case: the Growth DCF group reads highest at a median of $821.37 per share, and 9 of the 13 models we run sit above the $101.83 price.

Bear case: the Asset-Based group reads lowest at $46.08, and 4 of the 13 models stay below the price. Data coverage for this calculation is high.

Scenario range: $82.35 (bear) to $274.16 (bull), the price of $101.83 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 72/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Bread Financial Holdings, Inc. reported revenue of $4.7B in FY2025 versus $3.3B in FY2021, a compound +9.5%/yr. Reported net income was $518M in FY2025, compounding −10.3%/yr from FY2021.

Key figures

Market cap $4.1B Mid · P/E ratio 8.0 · P/S ratio 1.54 · EPS (TTM) $12.76 · Dividend yield 0.9% · Net margin 20.0% · Return on equity 15.9% · Return on assets (EBIT) 3.8% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 69 out of 100 (low confidence).

What moves the price

The share trades about 10% below its 52-week high and 71% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −3% fair-value upside, at 100%, BFH screens cheaper than that median.

Fair Value models

Bear $82.35 Fair Value $203.66 Bull $274.16

Price $101.83 · Upside +100.0%

Capped: our models arrive at a very high value here. We deliberately show a more cautious Fair Value.

Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then ($10.12 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.

Best data coverage

Growth DCF $762.53 $1,169 $1,745 78

Owner Earnings $329.68 $520.72 $798.55 75

Residual Income $85.87 $108.10 $160.33 75

All 13 models by family

DCF Models

Owner Earnings $329.68 $520.72 $798.55 75

5Y P/E Exit $344.92 $453.44 $561.12 72

10Y P/E Exit $497.07 $632.69 $788.56 65

Earnings-Based

Graham-Dodd $92.79 $329.02 $442.92 64

Lynch FV $77.18 $110.26 $143.33 61

Dividend Discount

Gordon GGM $9.19 $17.44 $25.15 67

DDM Multi-Stage $9.19 $15.49 $18.52 67

Multiples

P/E Multiple $133.04 $177.39 $221.74 63

P/B Multiple $66.32 $88.43 $110.54 55

Asset-Based

NCAV (Graham) $34.39 $46.08 $68.78 54

Growth DCF

Growth DCF $762.53 $1,169 $1,745 78

Rev-Margin DCF $358.80 $473.33 $601.88 74

Economic Profit

Residual Income $85.87 $108.10 $160.33 75

Open the full fair value analysis →

Quality Score breakdown

Overall quality 72/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 34

How much profit the company makes from its sales and capital

Quality Growth 54

Are margins and returns getting better?

Cashflow 100

Do the profits arrive as real cash?

Financial strength 53

Debt, balance sheet and risk of trouble

Investment 77

Does it invest with discipline instead of growing at any price?

Low Volatility 47

How calm the share price moves, does not count

Price momentum 67

Price momentum of the last 3 to 12 months, does not count

Near the 52-week high 90

Distance to the 52-week high, does not count

New shares 100

Buys back shares or issues new ones?

Open the full quality analysis →

Insider trades

In the last 6 months, one officer or director bought shares worth $60,328, on May 21, 2026. Over the same period, 2 people sold shares worth $1.6M.

SalePraniti LakhwaraDirector2,802 shares at $106.12$297,348Jul 28, 2026
SaleRalph J AndrettaPresident and CEO, Director15,000 shares at $89.10$1.3MMay 29, 202610b5-1 plan
BuyJohn J. FawcettDirector698 shares at $86.43$60,328May 21, 2026
SaleRoger H BallouDirector9,687 shares at $90.32$874,930Apr 24, 2026
Plan buyDennis James McCarthyEVP, Chief Revenue Officer16 shares at $108.14$1,718Sep 14, 2026

Plus 10 other filings such as grants, option exercises or tax withholding. They are not market purchases or sales.

Sales are often planned (taxes, diversification, 10b5-1 plans). Purchases with their own money are seen as the stronger sign. For information only: not part of the quality score or Fair Value.

Source: SEC Form 4, as of Nov 6, 2026. All filings at the SEC ↗

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 84/100

Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Revenue growth 1 year

+22.4%

Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.

+7.1%

’14

’15

’16

’17

’18

’19

’20

’21

’22

’23

’24

’25

What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: adjusted.

+13.9%

Earnings growth per share plus dividend.

Earnings per share, growth per year+13.0%

Dividend (yield on the price)0.9%

Per share before 2021divided by the spin-off factor 1.253

Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.base effect: 20.5% / 4.9%

Profit margin 2021 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.32% → 13%

Pace: the 5-year rate starts in 2020 (pandemic)

Watch BFH, get fair value alerts →

Recent news

News mood ⓘNews mood, the average tone of recent news (95 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Hype

Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.

Bread Financial (BFH) Upgraded to Buy: Here's What You Should Know Yahoo Finance · Nov 4, 2026
Bread Financial to Participate in the KBW Fintech Ecosystem Conference Yahoo Finance · Nov 4, 2026
Can Bread Financial (BFH) Stock Sustain Q3 Earnings Credit Progress? Yahoo Finance · Oct 29, 2026
Bread Financial Announces Pricing of an Offering of Depositary Shares Representing Interests in Its Series C Preferred Stock Yahoo Finance · Oct 27, 2026

Note from the team Oct 11, 2026

AI conclusion: Improving credit metrics and partnership-driven loan growth stand as the main strength while limited moat evidence and debt exceeding equity remain the key weakness.

Main risk: Proposed rules that could intensify credit card competition threaten sustained gains from co-branded cards with stronger risk profiles and overall loan growth.

Bread Financial continues to show improving credit metrics with declining loss and delinquency rates alongside loan growth from new partnerships and higher general-purpose spending. The company is set to report third-quarter results later this month amid proposed rules that could intensify credit card competition. Will the move toward co-branded cards with stronger risk profiles deliver sustained gains, or will partner concentration and regulatory shifts cap the benefits?

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Credit Services · 283 stocks

Beats the industry median on 7/15 measures

A mixed picture versus its industry peers.

Valuation

Quality Score 72 · Top 25%

Fair Value upside +100.0% · Top 25%

Profitability

Return on equity (12 months) 15.9% · Top 25%

Return on assets 2.3% · Below median

Net margin (12 months) 20.0% · Below median

Operating margin (12 months) 30.2% · Below median

Growth and dividend

Revenue growth (quarter YoY) 3.6% · Below median

Dividend yield (12 months) 0.9% · Bottom 25%

Balance sheet

Debt / equity 1.30× · Above median

Valuation Multiplesvs Credit Services median · lower = cheaper

P/E (12 months) 8.0× · Cheaper than median

P/B 1.25× · Pricier than median

P/S (12 months) 1.54× · Cheaper than median

Price / free cash flow (fiscal year) 2.0× · Cheapest 25%

EV/EBITDA 7.1× · Cheaper than median

PEG 2.24× · Priciest 25%

Strength profile in five axes (Snowflake)

This stock

Sector peers

VALUE (fair-value potential)100 · sector 59

FUTURE (revenue growth)18 · sector 57

PAST (return on equity)63 · sector 39

HEALTH (low debt)–

DIVIDEND (yield)18 · sector 63

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Credit Services stocks, each showing price versus our Fair Value estimate.

Stock	Price	Fair Value	vs Fair Value	Compare
Synchrony Financial, SYF	$73.74	$141.92	+92%	vs BFH
PayPal Holdings PYPL	$59.24	$107.45	+81%	vs BFH
Shriram Finance Limited SHRIRAMFIN	₹961.15	₹1,309	+36%	vs BFH
Affirm Holdings AFRM	$68.11	$76.63	+13%	vs BFH
Bajaj Finance Limited BAJFINANCE	₹1,088	₹1,055	−3%	vs BFH
American Express Company AXP	$320.99	$210.02	−35%	vs BFH
Visa Inc V	$422.65	$242.87	−43%	vs BFH
Mastercard Incorporated MA	$652.70	$360.13	−45%	vs BFH
Capital One Financial Corporation COF	$201.87	$106.81	−47%	vs BFH
SoFi Technologies, Inc SOFI	$16.21	$5.51	−66%	vs BFH

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Bread Financial Holdings, Inc.: fair value per Fair Value Calculator

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Cite: Fair Value Calculator (2026). "Bread Financial Holdings, Inc. Fair Value". https://www.fairvalue-calculator.com/stock/BFH

Frequently asked questions

Is Bread Financial Holdings, Inc. (BFH) overvalued or undervalued?

As of Nov 8, 2026, our model estimates a fair value of $203.66 versus a price of $101.83, about +100% upside (undervalued).

What is the fair value of BFH?

Our model-based fair value for Bread Financial Holdings, Inc. is $203.66 (as of Nov 8, 2026), built from audited fundamentals. The current price: $101.83.

What is the quality score of BFH?

Bread Financial Holdings, Inc. has a Quality Score of 72/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.

What is the price target for Bread Financial Holdings, Inc. (BFH)?

Our model-based price target is the fair value of $203.66 (as of Nov 8, 2026) from 13 valuation models. Cautious scenario $82.35, optimistic scenario $274.16. It is a calculation from audited fundamentals, not an analyst target.

What is the Bread Financial Holdings, Inc. stock forecast for 2026?

Our models put fair value at $203.66, about +100% upside versus a price of $101.83 (undervalued). Cautious scenario $82.35, optimistic scenario $274.16. The calculation is refreshed regularly with new filings.

What is the revenue of Bread Financial Holdings, Inc. (BFH)?

Bread Financial Holdings, Inc. reported trailing-twelve-month revenue of about $2.7B (latest available figure, as of Nov 8, 2026).

Does Bread Financial Holdings, Inc. pay a dividend?

Bread Financial Holdings, Inc. currently shows a dividend yield of 0.90% relative to its recent price (as of Nov 8, 2026).

How much is the dividend of Bread Financial Holdings, Inc. (BFH) and when is the ex-dividend date?

Bread Financial Holdings, Inc. pays a dividend of $0.92 per share a year, a dividend yield of 0.9%. The next ex-dividend date is Nov 30, 2026, with payment on Dec 15, 2026. A dividend has been paid every year since at least 2016. The payout ratio is 8.2% of earnings (on adjusted earnings, reported 7.2%). Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.

What is the intrinsic value of Bread Financial Holdings, Inc. (BFH)?

Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bread Financial Holdings, Inc. it is $203.66 per share (as of Nov 8, 2026), against a price of $101.83. It is the blended result of 13 valuation models in 7 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit).

Is Bread Financial Holdings, Inc. stock overvalued or undervalued in 2026?

As of Nov 8, 2026, BFH trades below its calculated fair value: price $101.83, fair value $203.66, a gap of about +100% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.

Is fair value the same as the market price of BFH?

No. The price is what the market pays today ($101.83); the fair value is what the company's own numbers justify ($203.66). For Bread Financial Holdings, Inc. the two are $101.83 per share apart. That gap is exactly why we show both numbers side by side.

How much is Bread Financial Holdings, Inc. worth?

The market values Bread Financial Holdings, Inc. at about $4.1B (market capitalisation, as of Nov 8, 2026). Per share that is $101.83; our models calculate a fair value of $203.66 per share.

What do the bullish and bearish scenarios say about BFH?

Our models span a range for Bread Financial Holdings, Inc.: cautious scenario $82.35, base $203.66, optimistic $274.16 per share (as of Nov 8, 2026, price $101.83). The range comes from different growth and margin assumptions, not from analyst opinions.

What is the P/E ratio of BFH?

Bread Financial Holdings, Inc. trades at a price-to-earnings ratio of 8.0 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $203.66 is built from several models across several years. Excluding one-off items of fiscal year 2025 it is 10.3 (reported for FY2025: 9.0). Median P/E at fiscal year-end, 5 fiscal years (2021 to 2025), reported earnings: 6.6. Other multiples: PEG 2.2, P/B 1.3, P/S 1.5, EV/EBITDA 7.1.

What is the PEG ratio of BFH?

The PEG ratio of Bread Financial Holdings, Inc. is 2.24 (P/E divided by earnings growth, as of Nov 8, 2026). That is above 1, so the growth is already paid for in the price.

How solid is the balance sheet of Bread Financial Holdings, Inc. (BFH)?

Balance-sheet figures for Bread Financial Holdings, Inc. (as of Nov 8, 2026): return on equity 15.9%, debt of 1.30 per unit of equity. They feed the Quality Score of 72/100, which measures business quality independently of the share price.

How far is BFH from its 52-week high?

Bread Financial Holdings, Inc. trades at $101.83, about 10% below its 52-week high of $113.15 and 71% above the low of $59.52 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of $203.66 is for.

Which stocks are comparable to Bread Financial Holdings, Inc.?

From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.

Is Bread Financial Holdings, Inc. stock attractive at the current price?

The data as of Nov 8, 2026: price $101.83, calculated fair value $203.66 (+100%), Quality Score 72/100, from 13 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.

How is the fair value of BFH calculated?

We run Bread Financial Holdings, Inc. through 13 models from 7 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit. Every model gets the same audited fundamentals; the fair value of $203.66 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.

Is it still worth investing in stocks now?

The global stock market currently sits 13.0% above its aggregate fair value. Bread Financial Holdings, Inc. currently trades 50% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.

What is the share price of Bread Financial Holdings, Inc. (BFH)?

The closing price on Nov 6, 2026 was $101.83. Our model-based fair value is $203.66, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.

What should I pay attention to with Bread Financial Holdings, Inc. right now?

The model range is unusually wide ($82.35 to $274.16). The outcome hinges heavily on assumptions, so read the point estimate with caution. Solid quality (72/100) at a price below fair value, the discount is the argument here, not the business quality. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Where does the earnings growth of Bread Financial Holdings, Inc. (BFH) come from?

Earnings per share at Bread Financial Holdings, Inc. grew +1.8 % a year from 2014 to 2025. Broken into its drivers: revenue per share −1.8 %, EBIT margin +0.1 %, tax rate +2.5 %, residual (interest, one-offs) +1.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Bread Financial Holdings, Inc.

How large is the market capitalisation of Bread Financial Holdings, Inc. (BFH)?

The market capitalisation of Bread Financial Holdings, Inc. is $4.1B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.

What is the P/S ratio of Bread Financial Holdings, Inc. (BFH)?

The price-to-sales ratio of Bread Financial Holdings, Inc. is 1.54 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.

What are the earnings per share of Bread Financial Holdings, Inc. (BFH)?

Earnings per share at Bread Financial Holdings, Inc. are $12.76 (price ÷ EPS = P/E 8.0). Earnings per share over the last twelve months: total profit spread across every single share.

What is the dividend yield of Bread Financial Holdings, Inc. (BFH)?

The dividend yield of Bread Financial Holdings, Inc. is 0.9% (payout 8.2%, on adjusted earnings, reported 7.2%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.

What is the net margin of Bread Financial Holdings, Inc. (BFH)?

The net margin of Bread Financial Holdings, Inc. is 20.0% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.

What is the return on equity of Bread Financial Holdings, Inc. (BFH)?

The return on equity (ROE) of Bread Financial Holdings, Inc. is 15.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.

What is the EBIT return on assets of Bread Financial Holdings, Inc. (BFH)?

On an EBIT basis the return on assets of Bread Financial Holdings, Inc. is 3.8% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.

What is the operating margin of Bread Financial Holdings, Inc. (BFH)?

The operating margin of Bread Financial Holdings, Inc. is 30.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.

How fast is revenue growing at Bread Financial Holdings, Inc. (BFH)?

Revenue at Bread Financial Holdings, Inc. is growing +3.6% versus a year earlier (3y avg +7.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.

How fast are earnings growing at Bread Financial Holdings, Inc. (BFH)?

Earnings per share at Bread Financial Holdings, Inc. are growing −3.5% versus a year earlier. How much earnings per share grew versus a year earlier.

How much free cash flow does Bread Financial Holdings, Inc. (BFH) generate?

The free cash flow of Bread Financial Holdings, Inc. is $2.1B (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.

How much net debt does Bread Financial Holdings, Inc. (BFH) carry?

The net debt of Bread Financial Holdings, Inc. is $789M (fiscal year 2025, ≈ 0.4 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.

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