BFH · Bread Financial Holdings, Inc.
Price & Indicators
Raw chart and full-history price indicators begin at the captured split on Nov 8, 2021; bars on opposite sides are not compared.
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AI Brief
TL;DR.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Ask ALVIS about this →Equibles Rating
blended score · not investment adviceBlended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Guidance & track record
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Technicals
trend & momentum for long-term holders BuyIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from written earnings releases and filings| Metric | Latest | Period | YoY |
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| Adjusted net income available to common stockholders non-GAAP | $144M | 2Q26 | — |
GAAP → non-GAAP reconciliationGAAP Net income available to common stockholders 144M
+0M Impacts from debt repurchases
= Adjusted net income available to common stockholders 144M
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| Average credit card and other loans | $18.2B | 2Q26 | — |
| Average direct-to-consumer deposits as percentage of total funding | 50% | 2Q26 | — |
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| Average loans | 18.2B | 2Q26 | — |
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| Average Tangible common equity non-GAAP | $2.58B | 2Q26 | — |
GAAP → non-GAAP reconciliationGAAP Average Total stockholders' equity 3.43B
-143M Less: average Preferred stock
-706M Less: average Goodwill and intangible assets, net
= Average Tangible common equity 2.58B
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| Capital returned to shareholders | $241M | 2Q26 | — |
| Cash dividend per preferred share | $21.56 | 2Q26 | — |
| Comenity Bank Common equity tier 1 capital ratio | 15.5% | 2Q26 | — |
| Comenity Bank Total risk-based capital ratio | 16.9% | 2Q26 | — |
| Common equity tier 1 capital ratio | 12.9% | 2Q26 | — |
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| Common share repurchases | 2.8M | 2Q26 | — |
| Credit sales | 7.5B | 2Q26 | — |
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| Delinquency rate | 5.25% | 2Q26 | — |
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| Direct-to-consumer deposits | 9.4B | 2Q26 | — |
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| End-of-period credit card and other loans | $18.48B | 2Q26 | — |
| End-of-period direct-to-consumer (retail) deposits | $9.36B | 2Q26 | — |
| Net loss rate | 6.98% | 2Q26 | — |
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| Pretax pre-provision earnings (PPNR) non-GAAP | $510M | 2Q26 | — |
GAAP → non-GAAP reconciliationGAAP Income from continuing operations before income taxes 197M
+313M Provision for credit losses
= Pretax pre-provision earnings (PPNR) 510M
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| Reserve rate | 11.23% | 2Q26 | — |
| Return on average assets | 2.6% | 2Q26 | — |
| Return on average equity | 17.1% | 2Q26 | — |
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| Return on average tangible common equity non-GAAP | 22.6% | 2Q26 | — |
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| Tangible book value per common share non-GAAP | $63.66 | 2Q26 | — |
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| Tangible common equity / tangible assets ratio non-GAAP | 11.3% | 2Q26 | — |
| Total risk-based capital ratio | 17.1% | 2Q26 | — |
| Credit sales growth | 7% | first quarter of 2026 | — |
| First quarter delinquency rate | 5.59% | first quarter of 2026 | — |
| Net interest margin | 19.3% | first quarter of 2026 | — |
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Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
Versus peers
Credit Services — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
BFH
this stock
Bread Financial Holdings, Inc.
|
$4.27B | +46.6% | -19.0% | 8.6 | 7.2% |
|
V
Visa Inc.
|
$649.98B | +4.2% | -4.9% | — | 1.2% |
|
MA
Mastercard Inc
|
$492.55B | +0.5% | +16.4% | 30.9 | 1.0% |
|
AXP
American Express Co
|
$228.61B | -8.1% | +13.4% | 20.6 | 1.8% |
|
COF
Capital One Financial Corp
|
$138.96B | -8.9% | +36.6% | — | 1.7% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
Raw-price comparisons begin at the captured split on Nov 8, 2021; windows that need an earlier baseline remain unavailable.
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| BFH | -1.8% | +6.5% | +36.9% | +0.4% | +46.6% |
| SPY | -0.4% | +2.9% | +11.6% | +3.0% | +12.8% |
| vs SPY | -1.3% | +3.6% | +25.3% | -2.5% | +33.8% |
Capital returns
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.