BFH · Bread Financial Holdings, Inc.
Price & Indicators
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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 Strong BuyIllustrative technical + ownership context — a signal mix, not investment advice.
Key metrics
the company's own KPIs, from its earnings releases, calls, and filings| Metric | Latest | Period | YoY |
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| Average loans | 18.2B | 2Q26 | — |
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| Capital returned via common share repurchases | $241M | 2Q26 | — |
| Common equity tier 1 capital ratio | 12.9% | 2Q26 | — |
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| Common shares repurchased | 2.8M | 2Q26 | — |
| Credit sales year-over-year change | 11% | 2Q26 | — |
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| Delinquency rate | 5.25% | 2Q26 | — |
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| Direct-to-consumer deposits year-over-year change | 16% | 2Q26 | — |
| End-of-period loan growth | 5% | 2Q26 | — |
| Net loss rate | 6.98% | 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 book value per common share year-over-year change non-GAAP | 22% | 2Q26 | — |
| Credit sales | 6.5B | first quarter of 2026 | — |
| Direct-to-consumer deposits | 8.7B | 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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| Return on average equity | 21.2% | first quarter of 2026 | — |
| Average direct-to-consumer deposits as percentage of total funding | 48% | fourth quarter of 2025 | — |
| Capital returned to shareholders | $350M | full year 2025 | — |
| Common share repurchases | $310M | full year 2025 | — |
| Reserve rate | 11.2% | full year 2025 | — |
Figures exactly as the company stated them · click a metric with a to chart its history · period links open the stating document · "call" marks figures stated on the earnings call, "filing" figures stated in the 10-K/10-Q · YoY needs the prior-year figure on file
Versus peers
Credit Services — same industry group| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
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BFH
this stock
Bread Financial Holdings, Inc.
|
$4.22B | +52.6% | -19.0% | 8.5 | 7.5% |
|
V
Visa Inc.
|
$657.63B | +5.5% | +12.3% | — | 1.3% |
|
MA
Mastercard Inc
|
$499.75B | +0.4% | +16.4% | 31.4 | 1.0% |
|
AXP
American Express Co
|
$231.36B | -4.9% | +13.4% | 20.8 | 1.7% |
|
COF
Capital One Financial Corp
|
$136.90B | -7.8% | +36.6% | 56.1 | 2.1% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
At a glance
key data from every sectionPerformance
| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| BFH | +5.0% | +19.7% | +48.6% | +4.0% | +52.6% |
| SPY | +5.5% | +3.3% | +11.3% | +3.1% | +12.9% |
| vs SPY | -0.5% | +16.5% | +37.3% | +0.9% | +39.7% |
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.