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    B

    Bread Financial Holdings, Inc. (BFH)

    Official site

    FINANCIAL SERVICES • CREDIT SERVICES • NYSE

    $101.31
    +2.34 (+2.37%)

    Market Cap: $3.82B

    Last updated: Oct 16, 2026 at 1:54 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    74%(29/39)
    Avg Surprise
    +91.45%
    Streak
    7 Q

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$3.24
    Range$3.00 - $3.45
    11 analysts
    EPS RevisionsNo revisions (7d)
    7
    2
    30d
    EPS Estimate DriftChange to current
    90d ago$3.20+1.0%
    60d ago$3.34-3.3%
    30d ago$3.34-3.3%
    7d ago$3.34-3.1%
    Current$3.24
    Revenue Consensus
    $1.0B
    Range$996M - $1.0B
    11 analysts
    Period ending Dec 31, 2026
    EPS Consensus$3.28
    Range$2.70 - $3.95
    12 analysts
    Revenue Consensus
    $1.0B
    Range$1.0B - $1.1B
    14 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$3.28---
    Sep 26EST
    		-$3.24---
    Jun 26
    Reported Jul 23
    		$3.55$2.52+40.87%Beat+13.1%
    Mar 26
    Reported Apr 23
    		$4.18$3.05+37.05%Beat+44.1%
    Dec 25
    Reported Jan 29
    		$2.07$0.48+331.25%Beat+404.9%
    Sep 25
    Reported Oct 23
    		$4.02$2.11+90.52%Beat+118.5%
    Jun 25
    Reported Jul 24
    		$3.14$1.94+61.86%Beat+18.0%
    Mar 25
    Reported Apr 24
    		$2.90$2.23+30.04%Beat+6.2%
    Dec 24
    Reported Jan 30
    		$0.41$0.32+28.13%Beat-54.4%
    Sep 24
    Reported Oct 24
    		$1.84$1.95-5.64%Miss-46.8%
    Jun 24
    Reported Jul 25
    		$2.66$1.64+62.20%Beat+109.4%
    Mar 24
    Reported Apr 25
    		$2.73$2.97-8.08%Miss-69.9%
    Dec 23
    Reported Jan 25
    		$0.90$-0.83+208.43%Beat+133.6%
    Sep 23
    Reported Oct 26
    		$3.46$2.28+51.75%Beat+28.6%
    Jun 23
    Reported Jul 27
    		$1.27$0.05+2440.00%Beat+126.8%
    Mar 23
    Reported Apr 27
    		$9.08$6.59+37.78%Beat+115.7%
    Dec 22
    Reported Jan 26
    		$-2.68$-2.80+4.29%Beat-321.5%
    Sep 22
    Reported Oct 27
    		$2.69$2.19+22.83%Beat-39.8%
    Jun 22
    Reported Jul 28
    		$0.56N/A-74.55%Miss-90.7%
    Mar 22
    Reported Apr 28
    		$4.21$4.41-4.54%Miss-33.0%
    Dec 21
    Reported Jan 27
    		$1.21$2.20-45.00%Miss-63.4%
    Sep 21
    Reported Oct 28
    		$4.47$3.38+32.25%Beat+29.6%
    Jun 21
    Reported Jul 29
    		$5.99$3.74+60.16%Beat+222.0%
    Mar 21
    Reported Apr 29
    		$6.28$3.15+99.37%Beat+737.3%
    Dec 20
    Reported Jan 28
    		$3.31$2.42+36.78%Beat-19.7%
    Sep 20
    Reported Oct 29
    		$3.45$2.27+51.98%Beat-31.7%
    Jun 20
    Reported Jul 23
    		$1.86$1.52+22.37%Beat-51.4%
    Mar 20
    Reported Apr 23
    		$0.75N/A-80.47%Miss-79.8%
    Dec 19
    Reported Jan 30
    		$4.12$4.17-1.20%Miss-41.5%
    Sep 19
    Reported Oct 24
    		$5.05$5.25-3.81%Miss-19.3%
    Jun 19
    Reported Jul 18
    		$3.83$3.95-3.04%Miss-23.6%
    Mar 19
    Reported Apr 25
    		$3.72$4.05-8.15%Miss-16.2%
    Dec 18
    Reported Feb 7
    		$7.04$6.95+1.29%Beat+12.5%
    Sep 18
    Reported Oct 18
    		$6.26$6.19+1.13%Beat+17.0%
    Jun 18
    Reported Jul 19
    		$5.01$4.65+7.74%Beat+30.5%
    Mar 18
    Reported Apr 19
    		$4.44$4.23+4.96%Beat+13.6%
    Dec 17
    Reported Jan 25
    		$6.26$5.01+24.95%Beat+34.0%
    Sep 17
    Reported Oct 19
    		$5.35$5.02+6.57%Beat-
    Jun 17
    Reported Jul 20
    		$3.84$3.74+2.67%Beat-
    Mar 17
    Reported Apr 20
    		$3.91$3.86+1.30%Beat-
    Dec 16
    Reported Jan 26
    		$4.67$4.64+0.65%Beat-

    Dividends

    Dividend Metrics

    Forward Yield0.91%
    Forward Annual Dividend$0.92
    Payout Ratio6.46%
    FrequencyQuarterly
    Pay MonthsMar, Jun, Sep, Dec

    Growth

    3Y CAGR+0.79%
    5Y CAGR-7.35%
    BFH dividend history and ex-dividend datesRun BFH in the free DRIP calculator

    Key Metrics

    Valuation
    P/E Ratio7.33EV/EBITDA4.30x
    Price/FCFN/AFCF YieldN/A
    Profitability
    Profit Margin21.40%Operating Margin29.00%
    ROE17.40%ROIC8.53%
    Financial Health
    Debt/Equity0.98xInterest Coverage0.86x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta1.18Avg Volume603.52K
    52-Week High$114.2852-Week Low$57.52

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$99.79
    SMA 20$100.84
    SMA 50$105.03
    SMA 200$89.97
    EMA 10$100.46
    EMA 20$101.30
    EMA 50$102.72
    EMA 200$91.56

    MACD

    Line: -1.31Signal: -1.67Hist: 0.36

    ADX

    ADX: 20.4+DI: 17.8-DI: 22.7

    Aroon & PSAR

    Aroon Up4.0
    Aroon Down60.0
    PSAR$94.59

    Bollinger Bands

    Upper Band$107.07
    Lower Band$94.61
    %B Position1236%(Upper)
    Band Width0.54

    RSI (14-Day)

    Neutral
    48.4

    Momentum Oscillators

    Stoch %K69.0
    Stoch %D68.9
    Williams %R-25.8
    ROC (10d)4.5%
    Momentum4.37
    CCI (20d)-13.2
    MFI (14d)48.8

    Volatility Measures

    ATR (14d)$3.42(3.4%)
    StdDev (20d)3.12
    Hist Vol33.2%(Moderate)

    Volume Flow

    VWAP$100.47
    OBV47.9M
    AD Line-111.4M
    CMF (20d)-0.042

    Volume Metrics

    Avg Vol (20d)606.3K
    Vol Ratio0.8x
    VWMA (20d)$101.25

    Pivot Points

    R3$103.69
    R2$102.22
    R1$100.59
    Pivot Point$99.13
    S1$97.50
    S2$96.03
    S3$94.40

    Advanced Oscillators

    TSI-12.17
    Ultimate Osc54.1
    KST-64.10

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023Sep 2023
    Total Revenue$993.00M$1.02B$975.00M$971.00M$929.00M$970.00M$925.00M$983.00M$939.00M$991.00M$1.02B$1.03B
    Cost of RevenueN/A$496.00M$199.00M$509.00M$494.00M$521.00M$648.00M$609.00M$531.00M$569.00M$720.00M$523.00M
    Gross ProfitN/A$715.00M$975.00M$672.00M$655.00M$674.00M$508.00M$614.00M$649.00M$670.00M$535.00M$727.00M
    Operating Expenses$483.00M$472.00M$554.00M$476.00M$481.00M$477.00M$535.00M$574.00M$469.00M$482.00M$516.00M$502.00M
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$0$0$0$0$0$0$0$0$0$0$0$0
    Operating IncomeN/A$243.00M$47.00M$196.00M$174.00M$197.00M$-27,000,000$40.00M$180.00M$188.00M$18.00M$225.00M
    Interest Income$1.23B$1.26B$1.25B$1.24B$1.19B$1.23B$1.22B$1.28B$1.23B$1.30B$1.31B$1.30B
    Interest Expense$195.00M$193.00M$199.00M$210.00M$220.00M$225.00M$231.00M$240.00M$241.00M$248.00M$237.00M$219.00M
    Income Before Tax$197.00M$243.00M$48.00M$196.00M$174.00M$197.00M$-27,000,000$40.00M$180.00M$188.00M$19.00M$225.00M
    Income Tax Expense$51.00M$62.00M$-4,000,000$8.00M$35.00M$55.00M$-35,000,000$37.00M$47.00M$53.00M$-26,000,000$52.00M
    Net Income$146.00M$181.00M$53.00M$188.00M$139.00M$138.00M$8.00M$2.00M$133.00M$134.00M$44.00M$171.00M
    EBITDA$237.00M$284.00M$89.00M$238.00M$218.00M$241.00M$19.00M$90.00M$232.00M$243.00M$222.00M$278.00M
    EBIT$197.00M$243.00M$48.00M$196.00M$174.00M$197.00M$-27,000,000$40.00M$180.00M$188.00M$57.00M$225.00M
    * Some calculated fields are derived from available data when not provided by source

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    News

    RBC maintains USD 115.00 target for Bread Financial stock

    RBC has reaffirmed its USD 115.00 price target for Bread Financial (BFH), with the stock trading at EUR 90.25 on October 15...

    ad-hoc-news.de•10/15/26•Somewhat-Bullish

    Is the Options Market Predicting a Spike in Bread Financial Stock?

    The article discusses the options market's prediction for Bread Financial Holdings, Inc. (BFH) stock, specifically highlighting the high implied volatility of its November 20...

    TradingView•10/14/26•Neutral

    Is the Options Market Predicting a Spike in Bread Financial Stock?

    The options market suggests a potential significant move for Bread Financial Holdings, Inc. (BFH) stock, particularly highlighted by the high implied volatility of the Nov 20, 2026 $32.50 Put option. Despite this...

    TradingView•10/14/26•Neutral

    ADS5718216 Bond Profile: Coupon and Redemption

    This article provides a detailed profile of the Bread Financial Holdings, Inc. bond ADS5718216, highlighting its coupon and redemption information. Key facts include the 9.75% coupon, semi-annual frequency...

    TradingView•10/13/26•Neutral

    A Look at Bread Financial Holdings Inc (BFH) After 3.2% Gain -- GF Value $67.27 vs Price $100.73

    Bread Financial Holdings Inc (BFH) saw a 3.2% gain, but GuruFocus assesses the stock as significantly overvalued, trading at $100.73 against a GF Value™ of $67.27. Despite an "Above Average" GF Score™ of 68/100...

    GuruFocus•10/9/26•Bearish

    BFH Valuation and Fair Value

    P/E
    7.3x
    Forward P/E
    7.6x
    EV/EBITDA
    4.3x
    PEG
    2.2x
    P/B
    1.2x
    See GNG's fair value

    BFH Profitability: Margins, ROIC and FCF

    Operating margin
    29.0%
    Net margin
    21.4%
    ROIC
    8.5%
    ROE
    17.4%
    FCF margin
    54.8%

    BFH Competitors

    CompanyTicker
    Texas Capital Bancshares, Inc.TCBI
    CVB Financial CorporationCVBF
    WSFS Financial CorporationWSFS
    Palomar Holdings IncPLMR
    Twenty One Capital, Inc.XXI
    Independent BankINDB
    United Community Banks, Inc.UCB
    BancFirst CorporationBANF

    Sector: Financial Services

    BFH Analyst Ratings

    Consensus
    Hold
    Analysts
    17
    Strong Buy
    1
    Buy
    7
    Hold
    8
    Sell
    0
    Strong Sell
    1

    BFH Bull Case vs Bear Case

    Bull case

    • BFH converts 54.8% of revenue into free cash flow.
    • BFH has a 21.4% net profit margin.
    • BFH beat EPS estimates in 87.5% of its last 8 reported quarters.

    BFH Earnings: Beat Rate and Next Report

    Beat rate
    7 of 8 quarters (87.5%)
    Average surprise
    76.8%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $3.24
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    7 up, 2 down

    BFH Dividend

    Forward yield
    0.9%
    Payout ratio
    6.5%
    3Y DPS growth
    0.8%
    5Y DPS growth
    -7.4%
    Pay months
    Mar, Jun, Sep, Dec
    BFH dividend history

    Frequently Asked Questions About BFH

    What is BFH's current dividend yield?

    Bread Financial Holdings, Inc. (BFH) has a forward dividend yield of 0.91%.

    Does BFH pay dividends?

    Yes, Bread Financial Holdings, Inc. pays dividends with a forward dividend yield of 0.91%.

    What is BFH's P/E ratio?

    Bread Financial Holdings, Inc. has a price-to-earnings (P/E) ratio of 7.33.

    What is BFH's market cap?

    Bread Financial Holdings, Inc. (BFH) has a market capitalization of $3.82B with a current stock price of $101.31.

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