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Bread Financial

(NYSE) BFH

Current Price$72.23
Market Cap$3.27B
Since IPO (2001)+689%
5 Year-13%
1 Year+50%
1 Month+6%

Bread Financial Financials at a Glance

Market Cap

$3.27B

Revenue (TTM)

$4.70B

Net Income (TTM)

$518.00M

EPS (TTM)

$10.84

P/E Ratio

7.00

Dividend

$0.88

Beta (Volatility)

1.54 (High)

Price

$72.23

Volume

23,305

Open

$74.95

Previous Close

$72.23

Daily Range

$72.04 - $74.95

52-Week Range

$38.21 - $82.03

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About Bread Financial

Industry

Consumer Finance

Employees

6,000

CEO

Ralph J. Andretta

Headquarters

Columbus, OH 43219, US

BFH Financials

Key Financial Metrics (TTM)

Gross Margin

63%

Operating Margin

13%

Net Income Margin

11%

Return on Equity

16%

Return on Capital

8%

Return on Assets

2%

Earnings Yield

14.29%

Dividend Yield

0.01%

Payout Ratio

8.11%

Stock Overview

Market Cap

$3.27B

Shares Outstanding

43.12M

Volume

23.30K

Short Interest

0.00%

Avg. Volume

841.74K

Financials (TTM)

Gross Profit

$2.98B

Operating Income

$614.00M

EBITDA

$694.00M

Operating Cash Flow

$2.09B

Capital Expenditure

$0.00

Free Cash Flow

$2.09B

Cash & ST Invst.

$3.77B

Total Debt

$4.39B

Bread Financial Performance Analysis

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q4 2025YOY CHG

Revenue

$1.17B

+1.6%

Gross Profit

$975.00M

+91.9%

Gross Margin

83.05%

N/A

Market Cap

$3.27B

N/A

Market Cap/Employee

$545.33K

N/A

Employees

6,000

N/A

Net Income

$53.00M

+657.1%

EBITDA

$66.00M

+1420.0%

Quarterly Fundamentals

Name
Q4 2025YOY CHG

Net Cash

$618.00M

+66.3%

Accounts Receivable

$148.00M

+2.1%

Inventory

$0.00

N/A

Long Term Debt

$4.39B

-22.7%

Short Term Debt

$0.00

N/A

Return on Assets

2.29%

N/A

Return on Invested Capital

7.70%

N/A

Free Cash Flow

$568.00M

+18.6%

Operating Cash Flow

$568.00M

+18.6%

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Questions About BFH

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