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BFH · Bread Financial Holdings, Inc. · Metrics

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$108.63 +4.02 (+3.84%)
S&P 600 member Russell 2000 member Rebalance outlook locked
Market Cap
$4.16B
Shares
38.42M
Volume · Oct 21 863.03K Avg daily vol (3M) 550.21K

BFH metrics

108 of 122 screener metrics currently available.

Open in screener

Market overview

2 metrics
Share price
$108.63
Market cap
$4.16B

Price action

20 metrics
Price change (1W)
+2.2%
Price change (30D)
-3.1%
Price change (3M)
+2.9%
Price change (6M)
+14.6%
Price change (YTD)
+41.3%
Price change (1Y)
+74.6%
Trailing year
Price change (5Y)
—
52-week high
$113.40
52-week low
$59.93
Change from 52-week high
-7.8%
Change from 52-week low
+74.6%
Annualized volatility
39.5%
Annualized volatility (3M)
31.2%
Beta
1.2
RSI (14D)
56.0
Price vs SMA 50
-0.2%
Price vs SMA 200
+15.4%
Avg volume (3M)
551,758
Relative volume
1.4
Average dollar volume
$57.91M

Company

3 metrics
Sector
Financial Services
Industry
Credit Services
Shares outstanding
38.42M

Valuation

12 metrics
P / E (TTM)
8.1
Trailing earnings · reciprocal yield 12.3%
PEG ratio
0.4
EV / revenue
1.2×
reciprocal yield 84.1%
EV / EBITDA
2.3×
reciprocal yield 44.4%
EV / EBIT
2.5×
reciprocal yield 40.4%
P / sales
1.0×
reciprocal yield 98.2%
P / book
1.2
reciprocal yield 83.5%
FCF yield
—
TTM · current market cap
Buyback yield
13.9%
P / FCF
—
P / operating cash flow
1.8
reciprocal yield 54.4%
Earnings yield
14.1%

Historical valuation

8 metrics
P / E historical average (3Y)
5.5×
reciprocal yield 18.2%
P / E historical average (5Y)
5.4×
reciprocal yield 18.6%
EV / revenue historical average (3Y)
0.9×
reciprocal yield 109.4%
EV / revenue historical average (5Y)
0.9×
reciprocal yield 116.3%
EV / EBIT historical average (3Y)
2.3×
reciprocal yield 44.3%
EV / EBIT historical average (5Y)
2.3×
reciprocal yield 44.3%
EV / EBITDA historical average (3Y)
2.4×
reciprocal yield 41.8%
EV / EBITDA historical average (5Y)
2.4×
reciprocal yield 41.8%

Dividends & buybacks

7 metrics
Dividend yield
0.9%
Trailing 12 months
Payout ratio
6.9%
Shareholder yield
14.8%
Dividend / share (TTM)
$0.92
Dividend growth YoY
+9.5%
Dividend growth streak
1
Last ex-dividend
2026-08-31

Earnings calendar

2 metrics
Next earnings
2026-10-22
Last earnings
2026-07-23

Profitability

9 metrics
Gross margin
—
Operating margin
—
Trailing 12 months
Net margin
14.4%
Gross profit (TTM)
$2.22B
Operating profit (TTM)
$1.62B
Net income (TTM)
$568.00M
Trailing 12 months
Diluted EPS (TTM)
$12.87
FCF margin
—
Effective tax rate
17.1%

Per share

11 metrics
Revenue per diluted share (TTM)
$89.54
Gross profit per diluted share (TTM)
$44.84
Operating profit per diluted share (TTM)
$32.57
EBITDA per diluted share (TTM)
$35.83
Net income per diluted share (TTM)
$12.88
Operating cash flow per diluted share (TTM)
$49.42
Free cash flow per diluted share (TTM)
$35.59
Capital expenditures per diluted share (TTM)
$1.36
R&D per diluted share (TTM)
—
Stock compensation per diluted share (TTM)
$1.34
Book value per share
$75.44

Growth

11 metrics
Revenue growth YoY
+6.9%
Year over year
Net income growth YoY
+5.0%
Revenue (TTM)
$3.96B
Trailing 12 months
EPS growth YoY
+20.7%
Shares change YoY
-13.8%
Year over year · fewer shares
Revenue CAGR (3Y)
+0.2%
Revenue CAGR (5Y)
-3.2%
EPS CAGR (3Y)
+34.7%
EPS CAGR (5Y)
+19.5%
FCF CAGR (3Y)
+18.3%
FCF CAGR (5Y)
-5.6%

Quality

14 metrics
Return on equity
16.9%
Return on assets
2.5%
Debt / equity
1.3
Current ratio
1.5
EBITDA (TTM)
$1.78B
Free cash flow (TTM)
—
Quick ratio
1.5
Interest coverage
—
Net debt / EBITDA
0.0
Return on invested capital
—
Trailing 12 months
Net cash
−$678.00M
Latest balance sheet
Cash & equivalents
$3.68B
Total assets
$22.45B
Total debt
$4.31B

Cash flow & spend

7 metrics
Operating cash flow (TTM)
$2.19B
Capital expenditures (TTM)
$68.00M
R&D (TTM)
—
SG&A (TTM)
—
Stock compensation (TTM)
$59.00M
R&D / revenue
—
Stock compensation / revenue
1.5%

Ownership (13F)

9 metrics
13F filers
423
13F filer change QoQ
+31
Institutional ownership
104.5%
Conviction holders (share of 13F filers)
0.7%
Crowding (high-turnover and private-fund holders)
24.8%
Private-fund adviser ownership
23.0%
Active holders' share change QoQ
-9.8%
Holder tenure
16.1
Price vs estimated holder cost
+86.0%

Ownership (registered funds)

1 metrics
Index-fund ownership
27.3%

Short interest

3 metrics
Short interest
8.4%
Latest settlement · 4.8 days to cover
Days to cover
4.8d
Short-squeeze score
92 / 100

Insider activity

2 metrics
Net insider buying (90D)
−$295,726
Insider-sentiment score
53 / 100

Risk flags

1 metrics
Going concern
—
Key facts CIK 1101215 CUSIP 018581108 13F (30d) 54 filings 51 filers Visit website Investor relations