CompanyGraph
Bread Financial Holdings Inc.
BFH · NYSE Arca · United States
breadfinancial.comFinancials as of FY2025
At a glance
- Depends onMidstream position: 6 outgoing, 6 incoming connections
- ScaleMarket cap is $3.95B, above the global median of $1.15B
- FinancialsHigh earnings quality
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Dividends view
Yield
0.89%Below 5Y avg (1.77%)
Annual Rate
USD 0.92Paid quarterly
Payout Ratio
7.0%Sustainable
Consecutive Growth
1 yr
Paying Dividends
11 yr
Last Ex-Dividend
Aug 31, 2026
Last Payment
Sep 15, 2026
The reported statements, read against the company's own industry.
Financials view
Market Capitalization
3.95BUSDvs all stocks (USD)
Trailing P/E
7.98xvs Credit Services peers
Revenue (TTM)
2.67BUSDvs all stocks (USD)
Profit Margin
21.36%vs Credit Services peers
Beta
1.13xvs all stocks
52-Week Change
77.22%vs all stocks
Forward Annual Dividend Yield
0.89%vs all stocks
Market Capitalization
3.95BUSDvs all stocks (USD)
Enterprise Value
3.56BUSDvs all stocks (USD)
Trailing P/E
7.98xvs Credit Services peers
Forward P/E
7.55xvs Credit Services peers
PEG Ratio
0.3648xvs Credit Services peers
Price to Sales (TTM)
1.48xvs Credit Services peers
Price to Book (MRQ)
1.18xvs Credit Services peers
Enterprise to Revenue
1.33xvs Credit Services peers
Profit Margin
21.36%vs Credit Services peers
Operating Margin
28.97%vs Credit Services peers
Return on Assets (TTM)
2.57%vs Credit Services peers
Return on Equity (TTM)
17.42%vs Credit Services peers
Revenue (TTM)
2.67BUSDvs all stocks (USD)
Revenue per Share (TTM)
61.26USDUpdated Sep 27, 2026Quarterly Revenue Growth
3.80%vs Credit Services peers
Gross Profit (TTM)
2.67BUSDvs all stocks (USD)
EBITDA (TTM)
0.00USDvs all stocks (USD)
Net Income (TTM)
565.00MUSDvs all stocks (USD)
Quarterly Earnings Growth (YoY)
5.00%vs Credit Services peers
Operating Cash Flow (TTM)
2.19BUSDvs all stocks (USD)
Levered Free Cash Flow (TTM)
518.00MUSDvs all stocks (USD)
Forward Annual Dividend Rate
0.9200USDUpdated Sep 27, 2026Forward Annual Dividend Yield
0.89%vs all stocks
Trailing Annual Dividend Rate
0.9200USDUpdated Sep 27, 2026Trailing Annual Dividend Yield
0.89%vs all stocks
5-Year Average Dividend Yield
1.77%vs all stocks
Payout Ratio
6.98%vs Credit Services peers
Revenue
3.85BUSDFY2025 · Dec 31, 2025Pre-tax Income
615.00MUSDFY2025 · Dec 31, 2025Income Tax Expense
94.00MUSDFY2025 · Dec 31, 2025Net Income
518.00MUSDFY2025 · Dec 31, 2025Selling, General & Administrative
1.03BUSDFY2025 · Dec 31, 2025EPS (Basic)
11.07USDFY2025 · Dec 31, 2025EPS (Diluted)
10.89USDFY2025 · Dec 31, 2025Basic Shares Outstanding
46.80MSharesFY2025 · Dec 31, 2025Diluted Shares Outstanding
46.80MSharesFY2025 · Dec 31, 2025Net Income from Continuing Operations
518.00MUSDFY2025 · Dec 31, 2025Operating Cash Flow
688.00MUSDFY2025 · Dec 31, 2025Cash & Cash Equivalents (End of Period)
3.63BUSDFY2025 · Dec 31, 2025Income Tax Paid
53.00MUSDFY2025 · Dec 31, 2025Interest Paid
868.00MUSDFY2025 · Dec 31, 2025Starting Profit (CF Statement)
518.00MUSDFY2025 · Dec 31, 2025Depreciation & Amortization
80.00MUSDFY2025 · Dec 31, 2025Deferred Taxes (CF)
90.00MUSDFY2025 · Dec 31, 2025Stock-based Compensation
56.00MUSDFY2025 · Dec 31, 2025Other Non-cash Items
-17.00MUSDFY2025 · Dec 31, 2025Change in Other Assets/Liabilities
-39.00MUSDFY2025 · Dec 31, 2025Purchase of Investments
-22.00MUSDFY2025 · Dec 31, 2025Sale of Investments
20.00MUSDFY2025 · Dec 31, 2025Other Investing Activity
-24.00MUSDFY2025 · Dec 31, 2025Net Investing Cash Flow
-26.00MUSDFY2025 · Dec 31, 2025Long-term Debt Issuance
1.82BUSDFY2025 · Dec 31, 2025Long-term Debt Payments
-3.14BUSDFY2025 · Dec 31, 2025Common Stock Repurchase
-313.00MUSDFY2025 · Dec 31, 2025Common Dividends Paid
-42.00MUSDFY2025 · Dec 31, 2025Other Financing Charges
-41.00MUSDFY2025 · Dec 31, 2025Net Financing Cash Flow
-1.64BUSDFY2025 · Dec 31, 2025Shares Outstanding
38.70MSharesUpdated Sep 27, 2026Float Shares
37.74MSharesUpdated Sep 27, 2026Shares Short
12.81KSharesUpdated Sep 27, 2026Short Ratio
0.0300daysvs all stocks
Short % of Shares Outstanding
0.05%vs all stocks
% Held by Insiders
1.49%vs all stocks
% Held by Institutions
107.99%vs all stocks
Total Cash (MRQ)
3.68BUSDvs all stocks (USD)
Total Cash per Share (MRQ)
95.86USDUpdated Sep 27, 2026Total Debt (MRQ)
3.28BUSDvs all stocks (USD)
Book Value per Share (MRQ)
86.95USDUpdated Sep 27, 2026Total Assets
22.66BUSDvs all stocks (USD)
Total Liabilities
19.34BUSDFY2025 · Dec 31, 2025Cash & Cash Equivalents
3.60BUSDFY2025 · Dec 31, 2025Other Short-term Investments
171.00MUSDFY2025 · Dec 31, 2025Accounts Receivable
148.00MUSDFY2025 · Dec 31, 2025Accounts Payable
289.00MUSDFY2025 · Dec 31, 2025Short-term Debt
0.00USDFY2025 · Dec 31, 2025Long-term Debt
4.39BUSDFY2025 · Dec 31, 2025Retained Earnings
1.48BUSDFY2025 · Dec 31, 2025Total Shareholders' Equity
3.33BUSDvs all stocks (USD)
52-Week Low
53.83USDUpdated Sep 27, 202652-Week High
114.53USDUpdated Sep 27, 202652-Week Change
77.22%vs all stocks
Beta
1.13xvs all stocks
50-Day MA
106.94USDUpdated Sep 27, 2026200-Day MA
88.56USDUpdated Sep 27, 2026Avg 10-Day Volume
739.80KSharesUpdated Sep 27, 2026Avg 30-Day Volume
535.83KSharesUpdated Sep 27, 2026Diluted EPS (TTM)
12.89USDUpdated Sep 27, 2026Shared structure with peers — never a ranking.
Relationships view
Structural observations derived from financial data, industry benchmarks, and supply chain position.
Financial Health
High earnings qualityNotable
Earnings Quality Score: 0.84
Supply Chain
Midstream position: 6 outgoing, 6 incoming connectionsNotable
Outgoing: 6.00Incoming: 6.00
High connectivity hub: 12 industry connectionsNotable
Total Connections: 12.00
Scale
Market cap is $3.95B, above the global median of $1.15BNotable
Market cap (USD): 3,953,726,869Global Median: 1,150,228,651.185
Revenue is $2.67B, above the global median of $560.37MNotable
Revenue (USD): 2,668,000,000Global Median: 560,374,939.3
Levered free cash flow is $518M, above the global median of $18.79MNotable
Levered free cash flow (USD): 518,000,000Global Median: 18,786,990.71
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