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| 1 Year | 5 Year | 5 Year Annualized | Since IPO | |
|---|---|---|---|---|
| BFH | +21.18% | +70.29% | +11.23% | +529% |
| S&P | +14.5% | +93.32% | +14.09% | +430% |
Bread Financial Holdings, Inc. engages in the provision of payment, lending, and saving solutions. The firm also offers private label and co-brand credit cards and buy now, pay later products such as installment loans and split-pay offerings. The company was founded in 1996 and is headquartered in Columbus, OH.
The company is looking vulnerable on several fronts just now.
October saw the fintech's net loss and delinquency rates tick higher.
| Q2 2025 | YOY Change | |
|---|---|---|
| Revenue | $1.15B | -2.5% |
| Market Cap | $2.66B | 20.3% |
| Market Cap / Employee | $0.44M | 0.0% |
| Employees | 6K | -14.3% |
| Net Income | $139.00M | 4.5% |
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| Q2 2025 | YOY Change | |
|---|---|---|
| Long Term Debt | $4.23B | -11.1% |
| Short Term Debt | $0.00M | 0.0% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Return On Assets | 1.32% | -0.9% |
| Return On Invested Capital | 6.84% | 0.2% |
| Q2 2025 | YOY Change | |
|---|---|---|
| Free Cash Flow | $519.00M | 10.9% |
| Operating Free Cash Flow | $526.00M | 10.3% |
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | YoY Change |
|---|---|---|---|---|---|
| Price to Earnings | 7.61 | 11.06 | 8.93 | 9.67 | 109.00% |
| Price to Book | 0.75 | 0.98 | 0.81 | 0.89 | 21.58% |
| Price to Sales | 0.50 | 0.65 | 0.52 | 0.57 | 25.74% |
| Price to Tangible Book Value | 0.97 | 1.29 | 1.07 | 1.17 | 20.32% |
| Price to Free Cash Flow TTM | 1.27 | 1.75 | 1.43 | 1.51 | 39.46% |
| Free Cash Flow Yield | 78.5% | 57.3% | 69.9% | 66.4% | -28.29% |
| Return on Equity | 10.5% | 9.3% | 9.3% | 9.2% | -44.07% |
| Total Debt | $4.58B | $5.69B | $5.12B | $4.23B | -11.09% |
ADS earnings call for the period ending September 30, 2021.
ADS earnings call for the period ending June 30, 2021.
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