BFH
Neutral signalScored 2026-08-03 Drivers: fundamentals. Moteurs : fondamentaux.
Research, not advice.
À propos
Bread Financial Holdings, Inc.
- Nom
- Bread Financial Holdings, Inc.
- Secteur
- Financial Services
- Industrie
- Financial - Credit Services
- Bourse
- NYSE
- Capitalisation
- $3.8B
- Employés
- 6,000
- PDG
- Ralph J. Andretta
- Site web
- https://www.breadfinancial.com
- Marché
- BHFENVAETORKMPRNMIHTBBK
Bread Financial Holdings, Inc. offers cutting-edge payment and credit solutions to consumers and various industries throughout North America. Their services include comprehensive financing for credit cards and other loans, which involves managing risk, originating accounts, and providing funding for approximately 130 private label and co-branded credit card programs. They also support around 500 small and medium-sized businesses through their Bread partnerships and issue Comenity-branded general purpose cash-back credit cards. The company is responsible for administering and overseeing all loans it generates, covering private label, co-brand, and general-purpose credit card portfolios, as well as its Bread BNPL (Buy Now Pay Later) products, which include installment and split-pay options. Beyond lending, they provide marketing, data, and analytics services. Their enhanced digital toolkit features a unified Software Development Kit (SDK), allowing seamless integration with their product range and encouraging the presentation of credit payment choices earlier in the retail journey. Additionally, the Bread digital payments platform, powered by a comprehensive suite of application programming interfaces (APIs), empowers merchants and partners to readily incorporate online point-of-sale financing, such as installment and split-pay solutions. Established in Columbus, Ohio in 1996, the company was formerly known as Alliance Data Systems Corporation until it rebranded as Bread Financial Holdings, Inc. in March 2022.
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
VENTE TOTALE: 2 802 titres (~297 348,24 $ US)
- Insiders
- Lakhwara Praniti
- Total bought
-
—
Avg buy (VWAP, 90d window) $108.14 vs last close —
- Total sold
-
$297,348
Avg sell (VWAP, 90d window) $106.12 vs last close —
Total sold sums Form 4 code S in this window. Codes F, M, A and G are left out.
- Last activity
- 2026-07-28
- Last synced
-
2026-10-19 22:02:11
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-09-14 | McCarthy Dennis James | Buy · P | 16 | $108.14 | $1,718 | Form 4 |
| 2026-07-28 | Lakhwara Praniti | Sell · S | 2,802 | $106.12 | $297,348 | Form 4 |
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Signal
Neutral signalScored 2026-08-03 Drivers: fundamentals. Moteurs : fondamentaux.
BFH presents a genuine earnings catalyst — a significant EPS beat and a massive institutional stake increase by Fifth Third Bancorp signal short-term momentum — but the structural liquidity profile is critically…
The first sentence of the analysis written for BFH on 2026-08-03 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Pulls against a bullish reading. Selling cluster — sale value, no purchase value
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Timing Unavailable or mixed. No stored price series
- Financial indicators Unavailable or mixed. Current ratio 0.27 · operating margin 13% — readings disagree
Market snapshot
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 63.3% | 50.9% | 59.3% | 52.0% | 51.3% | |
| Ebit Margin | 13.1% | 7.9% | 18.7% | 6.9% | 31.9% | |
| Ebitda Margin | 14.8% | 9.8% | 21.0% | 9.4% | 35.7% | |
| Operating Profit Margin | 13.1% | 7.9% | 18.7% | 6.9% | 31.9% | |
| Pretax Profit Margin | 13.1% | 7.9% | 18.7% | 6.9% | 31.9% | |
| Continuous Operations Profit Margin | 11.1% | 5.8% | 14.2% | 5.1% | 24.4% | |
| Net Profit Margin | 11.0% | 5.8% | 13.9% | 5.1% | 24.5% | |
| Bottom Line Profit Margin | 11.0% | 5.8% | 13.9% | 5.1% | 24.5% | |
| Current Ratio | 0.269 | 0.289 | 0.269 | 0.282 | 1.659 | |
| Quick Ratio | 0.269 | 0.289 | 0.269 | 0.282 | 1.659 | |
| Solvency Ratio | 0.031 | 0.018 | 0.041 | 0.015 | 0.047 | |
| Cash Ratio | 0.245 | 0.264 | 0.246 | 0.262 | 0.255 | |
| Price To Earnings Ratio | 6.651 | 10.943 | 2.284 | 8.425 | 4.130 | |
| Price To Earnings Growth Ratio | 0.067 | -0.178 | 0.010 | -0.117 | 0.016 | |
| Forward Price To Earnings Growth Ratio | 0.067 | -0.178 | 0.010 | -0.117 | 0.016 | |
| Price To Earnings Diluted Ratio | 6.755 | 11.102 | 2.294 | 8.444 | 4.155 | |
| Price To Earnings Diluted Growth Ratio | 0.068 | -0.180 | 0.010 | -0.117 | 0.016 | |
| Price To Book Ratio | 0.999 | 0.993 | 0.562 | 0.830 | 1.586 | |
| Price To Sales Ratio | 0.707 | 0.631 | 0.317 | 0.430 | 1.012 | |
| Price To Free Cash Flow Ratio | 1.589 | 1.629 | 0.826 | 1.056 | 2.268 | |
| Price To Operating Cash Flow Ratio | 1.589 | 1.629 | 0.826 | 1.017 | 2.144 | |
| Debt To Assets Ratio | 0.194 | 0.248 | 0.235 | 0.320 | 0.349 | |
| Debt To Equity Ratio | 1.320 | 1.863 | 1.864 | 3.591 | 3.633 | |
| Debt To Capital Ratio | 0.569 | 0.651 | 0.651 | 0.782 | 0.784 | |
| Long Term Debt To Capital Ratio | 0.564 | 0.646 | 0.645 | 0.779 | 0.781 | |
| Financial Leverage Ratio | 6.812 | 7.503 | 7.930 | 11.217 | 10.425 | |
| Working Capital Turnover Ratio | -0.455 | -0.466 | -0.485 | -3.147 | -12.582 | |
| Operating Cash Flow Ratio | 0.142 | 0.133 | 0.136 | 0.125 | 0.129 | |
| Operating Cash Flow Sales Ratio | 0.445 | 0.387 | 0.384 | 0.423 | 0.472 | |
| Free Cash Flow Operating Cash Flow Ratio | 1.000 | 1.000 | 1.000 | 0.963 | 0.946 | |
| Debt Service Coverage Ratio | 0.705 | 0.384 | 0.970 | 0.670 | 2.402 | |
| Interest Coverage Ratio | 0.719 | 0.397 | 1.101 | 0.596 | 2.726 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Operating Cash Flow Coverage Ratio | 0.476 | 0.327 | 0.365 | 0.227 | 0.204 | |
| Capital Expenditure Coverage Ratio | 0.000 | 0.000 | 0.000 | 27.176 | 18.369 | |
| Dividend Paid And Capex Coverage Ratio | 49.810 | 43.233 | 47.310 | 16.649 | 12.246 | |
| Dividend Payout Ratio | 0.081 | 0.155 | 0.058 | 0.193 | 0.052 | |
| Enterprise Value Multiple | 5.926 | 10.689 | 3.220 | 14.821 | 6.719 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 63.3% | ▲12.5% | ▲8.0% |
| Ebit Margin | 13.1% | ▲5.1% | ▼-2.6% |
| Ebitda Margin | 14.8% | ▲5.0% | ▼-3.4% |
| Operating Profit Margin | 13.1% | ▲5.1% | ▼-2.6% |
| Pretax Profit Margin | 13.1% | ▲5.1% | ▼-2.6% |
| Continuous Operations Profit Margin | 11.1% | ▲5.3% | ▼-1.0% |
| Net Profit Margin | 11.0% | ▲5.2% | ▼-1.0% |
| Bottom Line Profit Margin | 11.0% | ▲5.2% | ▼-1.0% |
| Current Ratio | 0.269 | ▼-0.020 | ▼-0.285 |
| Quick Ratio | 0.269 | ▼-0.020 | ▼-0.285 |
| Solvency Ratio | 0.031 | ▲0.012 | ▲0.001 |
| Cash Ratio | 0.245 | ▼-0.018 | ▼-0.009 |
| Price To Earnings Ratio | 6.651 | ▼-4.291 | ▲0.165 |
| Price To Earnings Growth Ratio | 0.067 | ▲0.245 | ▲0.107 |
| Forward Price To Earnings Growth Ratio | 0.067 | ▲0.245 | ▲0.107 |
| Price To Earnings Diluted Ratio | 6.755 | ▼-4.347 | ▲0.205 |
| Price To Earnings Diluted Growth Ratio | 0.068 | ▲0.248 | ▲0.108 |
| Price To Book Ratio | 0.999 | ▲0.006 | ▲0.005 |
| Price To Sales Ratio | 0.707 | ▲0.076 | ▲0.088 |
| Price To Free Cash Flow Ratio | 1.589 | ▼-0.040 | ▲0.116 |
| Price To Operating Cash Flow Ratio | 1.589 | ▼-0.040 | ▲0.148 |
| Debt To Assets Ratio | 0.194 | ▼-0.054 | ▼-0.075 |
| Debt To Equity Ratio | 1.320 | ▼-0.543 | ▼-1.134 |
| Debt To Capital Ratio | 0.569 | ▼-0.082 | ▼-0.118 |
| Long Term Debt To Capital Ratio | 0.564 | ▼-0.081 | ▼-0.119 |
| Financial Leverage Ratio | 6.812 | ▼-0.691 | ▼-1.966 |
| Working Capital Turnover Ratio | -0.455 | ▲0.011 | ▲2.972 |
| Operating Cash Flow Ratio | 0.142 | ▲0.009 | ▲0.009 |
| Operating Cash Flow Sales Ratio | 0.445 | ▲0.058 | ▲0.023 |
| Free Cash Flow Operating Cash Flow Ratio | 1.000 | 0.000 | ▲0.018 |
| Debt Service Coverage Ratio | 0.705 | ▲0.321 | ▼-0.321 |
| Interest Coverage Ratio | 0.719 | ▲0.322 | ▼-0.389 |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 |
| Operating Cash Flow Coverage Ratio | 0.476 | ▲0.149 | ▲0.156 |
| Capital Expenditure Coverage Ratio | 0.000 | 0.000 | ▼-9.109 |
| Dividend Paid And Capex Coverage Ratio | 49.809 | ▲6.577 | ▲15.960 |
| Dividend Payout Ratio | 0.081 | ▼-0.074 | ▼-0.027 |
| Enterprise Value Multiple | 5.926 | ▼-4.763 | ▼-2.349 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $3.32B | $3.03B | $1.64B | $1.88B | $3.31B | |
| Enterprise value | $4.11B | $5.03B | $3.49B | $6.12B | $7.84B | |
| EV / Sales | 0.88x | 1.05x | 0.68x | 1.40x | 2.40x | |
| EV / Op. cash flow | 1.97x | 2.71x | 1.76x | 3.31x | 5.08x | |
| EV / Free cash flow | 1.97x | 2.71x | 1.76x | 3.44x | 5.38x | |
| EV / EBITDA | 5.93x | 10.69x | 3.22x | 14.82x | 6.72x | |
| Net debt / EBITDA | 1.14x | 4.26x | 1.71x | 10.27x | 3.88x | |
| Current ratio | 0.27x | 0.29x | 0.27x | 0.28x | 1.66x | |
| Income quality | 4.04x | 6.71x | 2.77x | 8.29x | 1.93x | |
| Graham number | $139 | $88 | $138 | $68 | $123 | |
| Graham net-net | -$344 | -$320 | -$328 | -$381 | -$94 | |
| Tax burden | 84.4% | 72.7% | 74.2% | 74.3% | 76.7% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$10.74B | -$9.92B | -$10.67B | -$10.65B | $7.87B | |
| Invested capital | -$9.84B | -$8.95B | -$9.64B | -$9.57B | $8.87B | |
| Return on assets | 2.3% | 1.2% | 3.1% | 0.9% | 3.7% | |
| Operating ROA | 2.7% | 1.7% | 4.0% | 1.3% | 4.7% | |
| Return on tangible assets | 2.4% | 1.3% | 3.2% | 0.9% | 3.8% | |
| Return on equity | 15.6% | 9.1% | 24.6% | 9.8% | 38.4% | |
| Return on invested capital | 6.5% | 3.1% | 8.6% | 2.1% | 8.1% | |
| Return on capital employed | 7.7% | 4.3% | 11.3% | 2.8% | 10.7% | |
| Earnings yield | 15.6% | 9.1% | 43.8% | 11.9% | 24.2% | |
| Free cash flow yield | 62.9% | 61.4% | 121.1% | 94.7% | 44.1% | |
| Capex / Op. cash flow | 0.0% | 0.0% | 0.0% | 3.7% | 5.4% | |
| Capex / Depreciation | 0.0% | 0.0% | 0.0% | 60.2% | 68.3% | |
| Capex / Sales | 0.0% | 0.0% | 0.0% | 1.6% | 2.6% | |
| SG&A / Sales | 27.9% | 21.8% | 19.9% | 21.9% | 25.4% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 1.2% | 1.1% | 0.9% | 0.8% | 0.9% | |
| Intangibles / Total assets | 3.2% | 3.3% | 3.3% | 3.1% | 3.2% | |
| Days sales outstanding | 11d | 11d | 10d | 14d | 1754d | |
| Days payables outstanding | 61d | 50d | 73d | 69d | 67d | |
| Operating cycle | 11d | 11d | 10d | 14d | 1754d | |
| Cash conversion cycle | -50d | -39d | -63d | -56d | 1688d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Change over 5 years
Employee count
Peer market caps
Recent news
- 2026-10-18 Oportun Financial (NASDAQ:OPRT) vs. Bread Financial (NYSE:BFH) Critical Analysis Oportun Financial (NASDAQ: OPRT - Get Free Report) and Bread Financial (NYSE: BFH - Get Free Report) are both finance companies, but which is the better stock? We will compare the two businesses based on the strength of their dividends, institutional ownership, risk, valuation, earnings, profitability and analyst recommendations. Institutional and Insider Ownership 82.7% of Oportun Financial
- 2026-10-18 Comparing Bread Financial (NYSE:BFH) & Dave (NASDAQ:DAVE) Bread Financial (NYSE: BFH - Get Free Report) and Dave (NASDAQ: DAVE - Get Free Report) are both mid-cap finance companies, but which is the superior stock? We will compare the two companies based on the strength of their analyst recommendations, profitability, earnings, valuation, dividends, institutional ownership and risk. Analyst Recommendations This is a summary of current
- 2026-10-16 Bread Financial: Attractive At Current Levels Bread Financial Holdings appears fundamentally undervalued, offering a compelling risk-reward profile versus peers and sector medians. BFH''s core credit card business remains robust, while Bread Pay (BNPL) is rapidly scaling and poised to become a significant future value driver. Key financials show improving credit quality: net charge-off and delinquency rates are declining, while ROTCE remains industry-leading.
- 2026-10-15 Bread Financial Holdings (BFH) Expected to Beat Earnings Estimates: Can the Stock Move Higher? Bread Financial (BFH) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
- 2026-10-14 Bread Financial Holdings Inc (BFH) Shares Fall 3.3% -- GF Value Says Still Overvalued On October 14, 2026, Bread Financial Holdings Inc (BFH) shares fell 3.3%, closing at $98.96. This decline comes amid a 52-week range of $57.11 to $114.53, showc
- 2026-10-14 Is the Options Market Predicting a Spike in Bread Financial Stock? Investors need to pay close attention to BFH stock based on the movements in the options market lately.
- 2026-10-09 Will Bread Financial (BFH) Beat Estimates Again in Its Next Earnings Report? Bread Financial (BFH) has an impressive earnings surprise history and currently possesses the right combination of the two key ingredients for a likely beat in its next quarterly report.
- 2026-10-06 Bread Financial Schedules Third Quarter 2026 Earnings Conference Call for Oct. 22 COLUMBUS, Ohio, Oct. 06, 2026 (GLOBE NEWSWIRE) -- Bread Financial ® Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions will host a conference call on Thursday, Oct. 22, 2026, at 8:30 a.m. ET to discuss the company''s third quarter 2026 results.
- 2026-10-05 BFH or FUTU: Which Is the Better Value Stock Right Now? Investors with an interest in Financial - Miscellaneous Services stocks have likely encountered both Bread Financial Holdings (BFH) and Futu Holdings Limited Sponsored ADR (FUTU). But which of these two stocks presents investors with the better value opportunity right now?
- 2026-09-25 Best Momentum Stocks to Buy for September 25th BFH, SDRL and RS made it to the Zacks Rank #1 (Strong Buy) momentum stocks list on September 25th, 2026.