BFH-PA
Bread Financial Holdings Inc
Price Chart
Latest Quote
$25.00
+0.01 (+0.04%)
Current Price
| Previous Close | $24.99 |
| Open | $24.95 |
| Day High | $25.05 |
| Day Low | $24.90 |
| Volume | 12,457 |
Stock Information
| Exchange | NYQ |
đ Comprehensive Analysis
Company Data
Financial Ratios
Returns & Margins
Ownership
| Insider & Institutional transactions data not available |
Valuation Ratios
Analyst Data
Technical Indicators
| SMA20 | $24.74 |
| SMA50 | $24.52 |
| RSI | 70.33 |
| ATR | 0.1769 |
| Rel Volume | 0.88 |
Performance History
| Week | +0.64% |
| Month | +2.25% |
| Quarter | +3.16% |
| YTD | +7.18% |
| 10 Years | +6.31% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-04 | $25.00 | 14,213 |
| 2026-06-03 | $24.99 | 15,989 |
| 2026-06-02 | $24.96 | 26,119 |
| 2026-06-01 | $25.00 | 37,264 |
| 2026-05-29 | $24.94 | 48,837 |
| 2026-05-28 | $24.84 | 9,326 |
| 2026-05-27 | $24.66 | 20,895 |
| 2026-05-26 | $24.60 | 13,420 |
| 2026-05-22 | $24.62 | 16,060 |
| 2026-05-21 | $24.81 | 7,807 |
| 2026-05-20 | $24.71 | 14,782 |
| 2026-05-19 | $24.66 | 8,402 |
| 2026-05-18 | $24.57 | 22,005 |
| 2026-05-15 | $24.70 | 8,879 |
| 2026-05-14 | $24.47 | 7,414 |
| 2026-05-13 | $24.62 | 7,851 |
| 2026-05-12 | $24.66 | 25,492 |
| 2026-05-11 | $24.65 | 3,006 |
| 2026-05-08 | $24.72 | 6,266 |
| 2026-05-07 | $24.57 | 8,574 |
| 2026-05-06 | $24.51 | 50,880 |
| 2026-05-05 | $24.45 | 28,054 |
đ° Latest News
How The Bread Financial (BFH) Story Is Shifting With New Targets And Partnership Updates
Simply Wall St. âĸ 2026-06-04T21:20:08Z
Should You Hold PRAA Stock on Rising Collections and Portfolio Income?
Zacks âĸ 2026-06-04T17:24:00Z
BFH Stock Trading at a Discount to Industry at 7.96X: Time to Buy?
Zacks âĸ 2026-06-04T15:21:00Z
BFH or BAM: Which Is the Better Value Stock Right Now?
Zacks âĸ 2026-06-03T15:40:03Z
3 Cash-Producing Stocks Weâre Skeptical Of
StockStory âĸ 2026-05-29T16:16:38Z
Why Is Virtu Financial (VIRT) Down 1.7% Since Last Earnings Report?
Zacks âĸ 2026-05-29T15:30:17Z
Is Ameris Bancorp (ABCB) Stock Outpacing Its Finance Peers This Year?
Zacks âĸ 2026-05-27T13:40:03Z
A Look At Bread Financial Holdings (NYSE:BFH) Valuation As Market Narrative Flags Shares As Overvalued
Simply Wall St. âĸ 2026-05-25T16:10:08Z
Is Bread Financial Holdings (BFH) Still Attractive After A 73% One Year Share Price Jump
Simply Wall St. âĸ 2026-05-25T11:10:01Z
New Strong Buy Stocks for May 20th
Zacks âĸ 2026-05-20T07:40:00Z
Period:
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Income Statement (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Revenue | ||||
| Total Revenue | $3,838,000,000 | $4,295,000,000 | $3,870,000,000 | $3,270,000,000 |
| Operating Revenue | $3,838,000,000 | $4,295,000,000 | $3,870,000,000 | $3,270,000,000 |
| Reconciled Cost Of Revenue | - | - | - | $1,562,000,000 |
| Cost Of Revenue | - | - | - | $1,593,000,000 |
| Expenses | ||||
| Interest Expense | $960,000,000 | $879,000,000 | $503,000,000 | $383,000,000 |
| Selling And Marketing Expense | $147,000,000 | $161,000,000 | $180,000,000 | $160,000,000 |
| General And Administrative Expense | $897,000,000 | $867,000,000 | $779,000,000 | $671,000,000 |
| Professional Expense And Contract Services Expense | $112,000,000 | $128,000,000 | $142,000,000 | $136,000,000 |
| Other Non Interest Expense | $685,000,000 | $798,000,000 | $695,000,000 | $599,000,000 |
| Total Expenses | - | - | - | $2,611,000,000 |
| Operating Expense | - | - | - | $1,018,000,000 |
| Other Operating Expenses | - | - | - | $86,000,000 |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $279,000,000 | $737,000,000 | $224,000,000 | $797,000,000 |
| Net Interest Income | $4,064,000,000 | $4,266,000,000 | $4,181,000,000 | $3,485,000,000 |
| Interest Income | $5,024,000,000 | $5,145,000,000 | $4,684,000,000 | $3,868,000,000 |
| Normalized Income | $357,431,000 | $737,000,000 | $224,000,000 | $797,000,000 |
| Net Income From Continuing And Discontinued Operation | $277,000,000 | $718,000,000 | $223,000,000 | $801,000,000 |
| Net Income Common Stockholders | $277,000,000 | $718,000,000 | $223,000,000 | $801,000,000 |
| Net Income | $277,000,000 | $718,000,000 | $223,000,000 | $801,000,000 |
| Net Income Including Noncontrolling Interests | $277,000,000 | $718,000,000 | $223,000,000 | $801,000,000 |
| Net Income Discontinuous Operations | $-2,000,000 | $-19,000,000 | $-1,000,000 | $4,000,000 |
| Net Income Continuous Operations | $279,000,000 | $737,000,000 | $224,000,000 | $797,000,000 |
| Pretax Income | $381,000,000 | $968,000,000 | $300,000,000 | $1,044,000,000 |
| Special Income Charges | $-107,000,000 | $0 | $0 | $0 |
| Depreciation Amortization Depletion Income Statement | $90,000,000 | $116,000,000 | $113,000,000 | $92,000,000 |
| Depreciation And Amortization In Income Statement | $90,000,000 | $116,000,000 | $113,000,000 | $92,000,000 |
| Operating Income | - | - | - | $1,044,000,000 |
| Gross Profit | - | - | - | $2,062,000,000 |
| Other | ||||
| Tax Effect Of Unusual Items | $-28,569,000 | $0 | $0 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $-107,000,000 | $0 | $0 | $0 |
| Total Unusual Items Excluding Goodwill | $-107,000,000 | $0 | $0 | $0 |
| Reconciled Depreciation | $90,000,000 | $116,000,000 | $113,000,000 | $123,000,000 |
| Diluted NI Availto Com Stockholders | $277,000,000 | $718,000,000 | $223,000,000 | $801,000,000 |
| Tax Provision | $102,000,000 | $231,000,000 | $76,000,000 | $247,000,000 |
| Selling General And Administration | $1,044,000,000 | $1,028,000,000 | $959,000,000 | $831,000,000 |
| Salaries And Wages | $897,000,000 | $867,000,000 | $779,000,000 | $671,000,000 |
| Occupancy And Equipment | $22,000,000 | $22,000,000 | $23,000,000 | $26,000,000 |
| Write Off | - | - | $0 | $0 |
| Normalized EBITDA (Bullshit earnings) | - | - | - | $1,167,000,000 |
| EBITDA (Bullshit earnings) | - | - | - | $1,167,000,000 |
| EBIT | - | - | - | $1,044,000,000 |
| Gain On Sale Of Business | - | - | - | $0 |
| Gain On Sale Of Security | - | - | - | $0 |
| Provision For Doubtful Accounts | - | - | - | $544,000,000 |
| Other Gand A | - | - | - | $136,000,000 |
Fetched: 2026-02-02
Balance Sheet (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $2,305,000,000 | $2,156,000,000 | $1,466,000,000 | $1,399,000,000 |
| Total Assets | $22,891,000,000 | $23,141,000,000 | $25,407,000,000 | $21,746,000,000 |
| Goodwill And Other Intangible Assets | $746,000,000 | $762,000,000 | $799,000,000 | $687,000,000 |
| Other Intangible Assets | $112,000,000 | $128,000,000 | $165,000,000 | $53,000,000 |
| Receivables | $145,000,000 | $144,000,000 | $164,000,000 | $151,000,000 |
| Accounts Receivable | $145,000,000 | $144,000,000 | $164,000,000 | $151,000,000 |
| Cash And Cash Equivalents | $3,679,000,000 | $3,590,000,000 | $3,891,000,000 | $3,046,000,000 |
| Cash Cash Equivalents And Federal Funds Sold | $3,714,000,000 | $3,616,000,000 | $3,927,000,000 | $3,923,000,000 |
| Total Non Current Assets | - | - | - | $1,889,000,000 |
| Non Current Deferred Assets | - | - | - | $666,000,000 |
| Non Current Deferred Taxes Assets | - | - | - | $302,000,000 |
| Investmentin Financial Assets | - | - | - | $174,000,000 |
| Current Assets | - | - | - | $19,857,000,000 |
| Other Current Assets | - | - | - | $151,000,000 |
| Restricted Cash | - | - | - | $877,000,000 |
| Loans Receivable | - | - | - | $15,567,000,000 |
| Cash Cash Equivalents And Short Term Investments | - | - | - | $3,111,000,000 |
| Debt | ||||
| Net Debt | $1,878,000,000 | $1,702,000,000 | $4,116,000,000 | $4,393,000,000 |
| Total Debt | $5,685,000,000 | $5,440,000,000 | $8,133,000,000 | $7,579,000,000 |
| Long Term Debt And Capital Lease Obligation | $5,685,000,000 | $5,440,000,000 | $8,133,000,000 | $7,579,000,000 |
| Long Term Debt | $5,557,000,000 | $5,292,000,000 | $8,007,000,000 | $7,439,000,000 |
| Current Debt And Capital Lease Obligation | $0 | $0 | $0 | $0 |
| Current Debt | $0 | $0 | $0 | $0 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $19,840,000,000 | $20,223,000,000 | $23,142,000,000 | $19,660,000,000 |
| Payables And Accrued Expenses | $871,000,000 | $981,000,000 | $1,010,000,000 | $918,000,000 |
| Payables | $576,000,000 | $708,000,000 | $704,000,000 | $604,000,000 |
| Total Tax Payable | $250,000,000 | $286,000,000 | $306,000,000 | $313,000,000 |
| Income Tax Payable | $250,000,000 | $286,000,000 | $306,000,000 | $313,000,000 |
| Accounts Payable | $326,000,000 | $422,000,000 | $398,000,000 | $291,000,000 |
| Total Non Current Liabilities Net Minority Interest | - | - | - | $7,892,000,000 |
| Non Current Deferred Liabilities | - | - | - | $313,000,000 |
| Non Current Deferred Taxes Liabilities | - | - | - | $313,000,000 |
| Current Liabilities | - | - | - | $11,768,000,000 |
| Other Current Liabilities | - | - | - | $11,163,000,000 |
| Equity | ||||
| Common Stock Equity | $3,051,000,000 | $2,918,000,000 | $2,265,000,000 | $2,086,000,000 |
| Total Equity Gross Minority Interest | $3,051,000,000 | $2,918,000,000 | $2,265,000,000 | $2,086,000,000 |
| Stockholders Equity | $3,051,000,000 | $2,918,000,000 | $2,265,000,000 | $2,086,000,000 |
| Gains Losses Not Affecting Retained Earnings | $-22,000,000 | $-19,000,000 | $-21,000,000 | $-2,000,000 |
| Retained Earnings | $999,000,000 | $767,000,000 | $93,000,000 | $-87,000,000 |
| Long Term Equity Investment | - | $0 | $6,000,000 | $50,000,000 |
| Other | ||||
| Ordinary Shares Number | $49,100,000 | $49,300,000 | $49,900,000 | $49,900,000 |
| Share Issued | $49,100,000 | $49,300,000 | $49,900,000 | $49,900,000 |
| Tangible Book Value | $2,305,000,000 | $2,156,000,000 | $1,466,000,000 | $1,399,000,000 |
| Invested Capital | $8,608,000,000 | $8,210,000,000 | $10,272,000,000 | $9,525,000,000 |
| Capital Lease Obligations | $128,000,000 | $148,000,000 | $126,000,000 | $140,000,000 |
| Total Capitalization | $8,608,000,000 | $8,210,000,000 | $10,272,000,000 | $9,525,000,000 |
| Additional Paid In Capital | $2,073,000,000 | $2,169,000,000 | $2,192,000,000 | $2,174,000,000 |
| Capital Stock | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Common Stock | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
| Long Term Capital Lease Obligation | $128,000,000 | $148,000,000 | $126,000,000 | $140,000,000 |
| Line Of Credit | $0 | $0 | $0 | $0 |
| Current Accrued Expenses | $295,000,000 | $273,000,000 | $306,000,000 | $314,000,000 |
| Investments And Advances | $266,000,000 | $253,000,000 | $227,000,000 | $289,000,000 |
| Available For Sale Securities | $96,000,000 | $82,000,000 | $126,000,000 | $64,000,000 |
| Goodwill | $634,000,000 | $634,000,000 | $634,000,000 | $634,000,000 |
| Net PPE | $229,000,000 | $265,000,000 | $283,000,000 | $312,000,000 |
| Gross PPE | $229,000,000 | $265,000,000 | $570,000,000 | $568,000,000 |
| Other Properties | $87,000,000 | $98,000,000 | $88,000,000 | $97,000,000 |
| Properties | $142,000,000 | $167,000,000 | $482,000,000 | $76,000,000 |
| Other Short Term Investments | $170,000,000 | $171,000,000 | $95,000,000 | $175,000,000 |
| Treasury Shares Number | - | $0 | - | - |
| Accumulated Depreciation | - | $-343,000,000 | $-287,000,000 | $-256,000,000 |
| Construction In Progress | - | - | $9,000,000 | $25,000,000 |
| Machinery Furniture Equipment | - | - | $401,000,000 | $370,000,000 |
| Working Capital | - | - | - | $8,089,000,000 |
| Treasury Stock | - | - | - | $0 |
| Other Investments | - | - | - | $50,000,000 |
| Land And Improvements | - | - | - | $76,000,000 |
Fetched: 2026-02-02
Cash Flow Statement (Annual)
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $1,859,000,000 | $1,987,000,000 | $1,848,000,000 | $1,543,000,000 |
| Operating Activities | ||||
| Operating Cash Flow | $1,859,000,000 | $1,987,000,000 | $1,848,000,000 | $1,543,000,000 |
| Cash Flow From Continuing Operating Activities | $1,859,000,000 | $1,987,000,000 | $1,848,000,000 | $1,543,000,000 |
| Operating Gains Losses | $106,000,000 | $-223,000,000 | - | $-10,000,000 |
| Investing Activities | ||||
| Investing Cash Flow | $-1,169,000,000 | $788,000,000 | $-5,111,000,000 | $-1,691,000,000 |
| Cash Flow From Continuing Investing Activities | $-1,169,000,000 | $788,000,000 | $-5,111,000,000 | $-1,691,000,000 |
| Net Other Investing Changes | $-36,000,000 | $-48,000,000 | $-72,000,000 | $-193,000,000 |
| Capital Expenditure | - | - | $-68,000,000 | $-84,000,000 |
| Capital Expenditure Reported | - | - | $-68,000,000 | $-84,000,000 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $-55,000,000 | $-35,000,000 | $-12,000,000 | $0 |
| Financing Cash Flow | $-592,000,000 | $-3,086,000,000 | $3,267,000,000 | $608,000,000 |
| Cash Flow From Continuing Financing Activities | $-592,000,000 | $-3,086,000,000 | $3,267,000,000 | $608,000,000 |
| Net Other Financing Charges | $-22,000,000 | $-104,000,000 | $-16,000,000 | $-144,000,000 |
| Cash Dividends Paid | $-43,000,000 | $-42,000,000 | $-43,000,000 | $-42,000,000 |
| Common Stock Dividend Paid | $-43,000,000 | $-42,000,000 | $-43,000,000 | $-42,000,000 |
| Net Common Stock Issuance | $-55,000,000 | $-35,000,000 | $-12,000,000 | $0 |
| Issuance Of Capital Stock | - | - | - | $4,000,000 |
| Common Stock Issuance | - | - | - | $4,000,000 |
| Other | ||||
| Repayment Of Debt | $-2,621,000,000 | $-6,689,000,000 | $-3,906,000,000 | $-5,402,000,000 |
| Issuance Of Debt | $2,690,000,000 | $3,993,000,000 | $4,466,000,000 | $4,968,000,000 |
| Interest Paid Supplemental Data | $922,000,000 | $861,000,000 | $466,000,000 | $357,000,000 |
| Income Tax Paid Supplemental Data | $227,000,000 | $292,000,000 | $338,000,000 | $325,000,000 |
| End Cash Position | $3,714,000,000 | $3,616,000,000 | $3,927,000,000 | $3,923,000,000 |
| Beginning Cash Position | $3,616,000,000 | $3,927,000,000 | $3,923,000,000 | $3,463,000,000 |
| Changes In Cash | $98,000,000 | $-311,000,000 | $4,000,000 | $460,000,000 |
| Common Stock Payments | $-55,000,000 | $-35,000,000 | $-12,000,000 | $0 |
| Net Issuance Payments Of Debt | $69,000,000 | $-2,696,000,000 | $560,000,000 | $-434,000,000 |
| Net Long Term Debt Issuance | $69,000,000 | $-2,696,000,000 | $560,000,000 | $-434,000,000 |
| Long Term Debt Payments | $-2,621,000,000 | $-6,689,000,000 | $-3,906,000,000 | $-5,402,000,000 |
| Long Term Debt Issuance | $2,690,000,000 | $3,993,000,000 | $4,466,000,000 | $4,968,000,000 |
| Net Investment Purchase And Sale | $-17,000,000 | $-36,000,000 | $-13,000,000 | $-20,000,000 |
| Sale Of Investment | $14,000,000 | $14,000,000 | $30,000,000 | $73,000,000 |
| Purchase Of Investment | $-31,000,000 | $-50,000,000 | $-43,000,000 | $-93,000,000 |
| Change In Working Capital | $-67,000,000 | $28,000,000 | $-47,000,000 | $-41,000,000 |
| Change In Other Current Liabilities | $-109,000,000 | $0 | $87,000,000 | $-11,000,000 |
| Change In Other Current Assets | $42,000,000 | $28,000,000 | $-134,000,000 | $-30,000,000 |
| Other Non Cash Items | $-26,000,000 | $25,000,000 | $67,000,000 | $6,000,000 |
| Stock Based Compensation | $54,000,000 | $44,000,000 | $33,000,000 | $29,000,000 |
| Deferred Tax | $-85,000,000 | $-68,000,000 | $-245,000,000 | $-15,000,000 |
| Deferred Income Tax | $-85,000,000 | $-68,000,000 | $-245,000,000 | $-15,000,000 |
| Depreciation Amortization Depletion | $90,000,000 | $116,000,000 | $113,000,000 | $123,000,000 |
| Depreciation And Amortization | $90,000,000 | $116,000,000 | $113,000,000 | $123,000,000 |
| Net Income From Continuing Operations | $277,000,000 | $718,000,000 | $223,000,000 | $801,000,000 |
| Net Business Purchase And Sale | - | $0 | $0 | $-75,000,000 |
| Purchase Of Business | - | $0 | $0 | $-75,000,000 |
| Effect Of Exchange Rate Changes | - | - | $0 | $0 |
| Asset Impairment Charge | - | - | $0 | $0 |
| Sale Of Business | - | - | - | $0 |
| Provisionand Write Offof Assets | - | - | - | $544,000,000 |
| Gain Loss On Sale Of Business | - | - | - | $0 |
Fetched: 2026-02-02