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Bread Financial Holdings, Inc. issued 5,000,000 depositary shares of 9.375% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series C, on November 3, 2026, and granted underwriters an option for up to 750,000 additional shares.
Bread Financial Holdings, Inc. priced 5,000,000 depositary shares for 9.375% Series C preferred stock, with closing expected November 3, 2026.
Bread Financial Holdings, Inc. launched a public offering of depositary shares, each representing a 1/40th interest in Series C Preferred Stock, with a $25 liquidation preference per Depositary Share; completion depends on market and other conditions.
Bread Financial reported third-quarter credit sales up 9% to $7.4 billion and end-of-period loans up 7% to $18.9 billion. For 2026, it expects loan growth of approximately 4%, income growth of approximately 5%, and net principal loss rate below 7%.
Bread Financial reported end-of-period loans of $18.9 billion, revenue growth of 5% and net income of $156 million; it lowered 2026 net loss-rate guidance to 6.9%–7.0%, merged its banks October 1st, and repurchased $75 million of stock.
Useful current figures from the complete screener profile.
* Q4 derived as the full year minus Q1 to Q3.
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Still-open targets the latest release did not restate under the same label.
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Illustrative technical + ownership context — a signal mix, not investment advice.
| Metric | Latest | Period | YoY |
|---|---|---|---|
| Adjusted earnings per diluted common share non-GAAP | $3.55 | the three months ended June 30, 2026 filing | — |
| Adjusted efficiency ratio non-GAAP | 48.6% | the three months ended June 30, 2026 filing | — |
| Adjusted net income available to common stockholders non-GAAP | $144M | the three months ended June 30, 2026 filing | — |
GAAP → non-GAAP reconciliationGAAP Net income available to common stockholders 144M
+0M Impacts from debt repurchases
= Adjusted net income available to common stockholders 144M
|
|||
| Adjusted total non-interest expenses non-GAAP | $483M | the three months ended June 30, 2026 filing | — |
| Average credit card and other loans | 18.2B | the three months ended June 30, 2026 filing | — |
| Book value per common share | $81.79 | the three months ended June 30, 2026 filing | — |
| Common equity tier one capital ratio (CET1) | 12.9% | the three months ended June 30, 2026 filing | — |
| Credit sales | 7.5B | the three months ended June 30, 2026 filing | — |
| Delinquency rate | 5.25% | the three months ended June 30, 2026 filing | — |
| Efficiency ratio | 48.6% | the three months ended June 30, 2026 filing | — |
| End-of-period credit card and other loans | 18.5B | the three months ended June 30, 2026 filing | — |
| End-of-period direct-to-consumer (retail) deposits | 9.36B | the three months ended June 30, 2026 filing | — |
| Loan yield | 26.35% | the three months ended June 30, 2026 filing | — |
| Net interest margin | 18.49% | the three months ended June 30, 2026 filing | — |
| Net principal loss rate | 6.98% | the three months ended June 30, 2026 filing | — |
| Net principal losses | 316M | the three months ended June 30, 2026 filing | — |
| Net principal losses as a percentage of average credit card and other loans | 6.98% | Three Months Ended June 30, 2026 filing | — |
| Payment rate | 15.1% | the three months ended June 30, 2026 filing | — |
| PPNR non-GAAP | $510M | the three months ended June 30, 2026 filing | — |
| PPNR excluding impacts from debt repurchases non-GAAP | $510M | the three months ended June 30, 2026 filing | — |
| Pretax pre-provision earnings (PPNR) | 510M | the three months ended June 30, 2026 filing | — |
| Re-aged accounts as a percentage of Total credit card and other loans | 3.2% | the three months ended June 30, 2026 filing | — |
| Reserve rate | 11.23% | the three months ended June 30, 2026 filing | — |
| Return on average assets | 2.6% | the three months ended June 30, 2026 filing | — |
| Return on average equity | 17.1% | the three months ended June 30, 2026 filing | — |
| Return on average tangible common equity non-GAAP | 22.6% | the three months ended June 30, 2026 filing | — |
| Tangible book value per common share non-GAAP | $63.66 | the three months ended June 30, 2026 filing | — |
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
| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
BFH
this stock
Bread Financial Holdings, Inc.
|
$3.98B | +38.6% | -19.0% | 8.2 | 9.0% |
|
V
Visa Inc.
|
$759.31B | +20.5% | -4.9% | — | 1.1% |
|
MA
Mastercard Inc
|
$586.02B | +14.9% | +16.4% | 35.2 | 0.8% |
|
AXP
American Express Co
|
$223.02B | -12.2% | +13.4% | 18.7 | 1.6% |
|
COF
Capital One Financial Corp
|
$124.10B | -15.9% | +36.6% | 11.8 | 1.2% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
Bread Financial Holdings, Inc. issued 5,000,000 depositary shares of 9.375% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series C, on November 3, 2026, and granted underwriters an option for up to 750,000 additional shares.
View| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| BFH | -2.9% | +1.8% | +18.2% | -0.8% | +38.6% |
| SPY | -4.7% | -5.3% | -0.8% | -3.0% | +7.5% |
| vs SPY | +1.8% | +7.1% | +19.1% | +2.2% | +31.1% |
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.
