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1.03%
Bread financial holdings, inc.
10.07%
Avg of Sector
-2.16%
S&P500

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| Quarterly | EPS Forecast | QoQ | Max | Min |
|---|---|---|---|---|
| 2026Q1 | ||||
| 2026Q2 | ||||
| 2026Q3 | ||||
| 2026Q4 | ||||
| 2027Q1 |
Bread Financial Holdings, Inc. provides tech-forward payment and lending solutions to customers and consumer-based industries in North America. It offers credit card and other loans financing services, including risk management solutions, account origination, and funding services for approximately 130 private label and co-brand credit card programs, as well as through Bread partnerships to approximately 500 small-and medium-sized businesses merchants; and Comenity-branded general purpose cash-back credit. The company also manages and services the loans it originates for private label, co-brand, and general-purpose credit card programs and Bread BNPL (installment loans, split-pay) products; and provides marketing, and data and analytics services. In addition, it offers an enhanced digital suite that includes a unified software development kit, which provides access to its suite of products, as well as promotes credit payment options earlier in the shopping experience. Further, the company through Bread, a digital payments platform and robust suite of application programming interfaces allows merchants and partners to integrate online point-of-sale financing and other digital payment products, including installment and split-pay solutions. The company was formerly known as Alliance Data Systems Corporation and changed its name to Bread Financial Holdings, Inc. in March 2022. Bread Financial Holdings, Inc. was founded in 1996 and is headquartered in Columbus, Ohio.
Unit : USD
| QTR | Non-GAAP EPS | EPS YoY | EPS Surprise % | Sales | Sales YoY | Sales Surprise % | NPM |
|---|---|---|---|---|---|---|---|
| Current | |||||||
| 2025Q4 | |||||||
| 2025Q3 | |||||||
| 2025Q2 | |||||||
| 2025Q1 |
The most recent financial report for Bread financial holdings, inc. (BFH) covers the period of 2025Q4 and was published on 2025/12/31. This report is prepared according to IFRS/US GAAP standards and includes key financial indicators—Revenue, Profitability, Cash Flow, and Capital Structure. This information is essential for investors evaluating BFH's short-term business performance and financial health. For the latest updates on BFH's earnings releases, visit this page regularly.
According to historical valuation range analysis, Bread financial holdings, inc. (BFH)'s current price-to-earnings (P/E) ratio is 6.02, placing it in the Value zone on the P/E River chart. This level indicates that the market's expectations for future earnings are already reflected in the share price, with the valuation currently leaning conservative. Investors are advised to further examine the company's fundamentals and its position in the industry cycle to validate whether the valuation is justified.
According to the latest financial report, Bread financial holdings, inc. (BFH) reported an Operating Profit of 47M with an Operating Margin of 7.81% this period, representing a growth of 274.07% compared to the same period last year. Operating Profit reflects the company's core business efficiency and cost control, making it a key indicator for evaluating operational strength and profitability.
In the latest financial report, Bread financial holdings, inc. (BFH) announced revenue of 602M, with a Year-Over-Year growth rate of 18.5%. Revenue growth can be driven by product mix changes, market share expansion, price adjustments, or international market penetration. Investors should also monitor gross margin and regional revenue distribution for a comprehensive view of growth quality and sustainability.
At the end of the period, Bread financial holdings, inc. (BFH) held Total Cash and Cash Equivalents of 3.6B, accounting for 0.16 of total assets. Both current and quick ratios indicate robust short-term debt repayment ability. High cash reserves typically mean the company has strong liquidity, supporting operational needs, expansion investments, or shareholder returns.
In the latest report, Bread financial holdings, inc. (BFH) achieved the “three margins increasing” benchmark, with a gross margin of 100%%, operating margin of 7.81%%, and net margin of 9%%. This demonstrates improvement in profitability, which is a key signal for fundamental analysis. Investors should consider margin trends alongside other financial indicators to assess BFH's profit trajectory and future growth potential.
According to the past four quarterly reports, Bread financial holdings, inc. (BFH)'s earnings per share (EPS) shows a steady growth trend, with the latest EPS at 1.28. If EPS continues to rise due to revenue growth and cost optimization, it can support P/E valuation recovery and attract long-term investors.
Bread financial holdings, inc. (BFH)'s Free Cash Flow (FCF) for the period is 564M, calculated as Operating Cash Flow minus Capital Expenditures, representing a rise of 19.49% compared with the previous period. Positive FCF growth provides stable funding for dividends, debt repayment, or strategic acquisitions, and is an important measure of true profitability and shareholder return potential.
The latest valuation data shows Bread financial holdings, inc. (BFH) has a Price-To-Earnings (PE) ratio of 6.02 and a Price/Earnings-To-Growth (PEG) ratio of -0.22. A PEG below 1 usually suggests the market is underestimating growth potential, while a PEG above 1 indicates high growth expectations are already priced in. Investors should conduct a comprehensive valuation by considering historical growth, market forecasts, and industry cycles.