Bread Financial Holdings/$BFH
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About Bread Financial Holdings
Formed by a combination of JCPenney's credit card processing unit and The Limited's credit card bank business, Bread Financial is a provider of private-label and co-branded credit cards, loyalty programs, and marketing services. The company's most financially significant unit is its credit card business that partners with retailers to jointly market Bread's credit cards to their customers. The company also retains a minority interest in spun-off LoyaltyOne, which operates the largest airline miles loyalty program in Canada and offers marketing services to grocery chains in Europe and Asia.
Ticker
$BFH
Sector
Primary listing
NYSE
Industry
Consumer Finance
Headquarters
Employees
6,000
ISIN
US0185811082
Website
BFH Metrics
BasicAdvanced
$2.8B
10.76
$5.57
1.36
$0.84
1.40%
Price and volume
Market cap
$2.8B
Beta
1.36
52-week high
$66.36
52-week low
$38.21
Average daily volume
712K
Dividend rate
$0.84
Financial strength
Dividend payout ratio (TTM)
15.66%
Profitability
Net profit margin (TTM)
11.49%
Operating margin (TTM)
20.33%
Effective tax rate (TTM)
26.67%
Revenue per employee (TTM)
$410,000
Management effectiveness
Return on assets (TTM)
1.28%
Return on equity (TTM)
9.38%
Valuation
Price to earnings (TTM)
10.758
Price to revenue (TTM)
1.212
Price to book
0.93
Price to tangible book (TTM)
1.22
Price to free cash flow (TTM)
1.641
Free cash flow yield (TTM)
60.93%
Free cash flow per share (TTM)
3,648.31%
Dividend yield (TTM)
1.40%
Forward dividend yield
1.40%
Growth
Revenue change (TTM)
-4.04%
Earnings per share change (TTM)
-30.17%
3-year revenue growth (CAGR)
-3.10%
3-year earnings per share growth (CAGR)
-27.30%
10-year earnings per share growth (CAGR)
-3.70%
What the Analysts think about BFH
Analyst ratings (Buy, Hold, Sell) for Bread Financial Holdings stock.
Bulls say / Bears say
Bread Financial's net loss rate improved to 7.8% in January 2025 from 8.0% the previous year, indicating enhanced credit performance. (nasdaq.com)
The company's delinquency rate decreased to 6.1% in January 2025 from 6.8% in January 2024, reflecting better management of loan repayments. (nasdaq.com)
Bread Financial's end-of-period credit card and other loans stood at $18.366 billion in January 2025, showing stability in its loan portfolio. (nasdaq.com)
Average credit card and other loans decreased by 2% year-over-year in January 2025, indicating potential challenges in attracting or retaining customers. (nasdaq.com)
Despite improvements, the net loss rate remains relatively high at 7.8%, suggesting ongoing financial risks. (nasdaq.com)
The Consumer Financial Protection Bureau's rule limiting credit card late fees could negatively impact Bread Financial's future revenue streams. (nasdaq.com)
Data summarised monthly by Lightyear AI. Last updated on 5 Jun 2025.
BFH Financial Performance
Revenues and expenses
BFH Earnings Performance
Company profitability
BFH News
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FAQs
What’s the current market cap for Bread Financial Holdings stock?
Bread Financial Holdings (BFH) has a market cap of $2.8B as of July 04, 2025.
What is the P/E ratio for Bread Financial Holdings stock?
The price to earnings (P/E) ratio for Bread Financial Holdings (BFH) stock is 10.76 as of July 04, 2025.
Does Bread Financial Holdings stock pay dividends?
Yes, the Bread Financial Holdings (BFH) stock pays dividends to shareholders. As of July 04, 2025, the dividend rate is $0.84 and the yield is 1.4%. Bread Financial Holdings has a payout ratio of 15.66% on a trailing twelve-month basis.
When is the next Bread Financial Holdings dividend payment date?
The next Bread Financial Holdings (BFH) dividend payment date is unconfirmed.
What is the beta indicator for Bread Financial Holdings?
Bread Financial Holdings (BFH) has a beta rating of 1.36. This means that it is more volatile than the market, on average. A beta of 1 would indicate the stock moves in-line with the market, while a beta of 2 would indicate the stock moves twice as much as the market.