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BFH
$108.73+$2.46 (+2.31%)live
Held · Bookmarked
0 · 0
portfolios · users
Avg position size
—
of holders' portfolios
13F filers
2
institutions
Market cap
$4.3B
40M shares
52-week range
$53.83 – $109.12
99% from low
Sector
PERSONAL CREDIT INSTITUTIONS
Exchange
NYSE
CS
Borrow rate
0.41%
Easy to borrow
Price (6 mo)
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Change+$52.90
Valuation
Financials
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Click rows below (any statement) to add/remove series. Selection stays as you switch tabs.
| 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $5.67B | $3.35B | $3.30B | $3.27B | $4.37B | $5.17B | $4.80B | $4.70B |
| Cost of revenue | $3.08B | $3.26B | $2.57B | $1.59B | $2.10B | $2.11B | $2.36B | $1.72B |
| Gross profit | $2.59B | $2.32B | $1.95B | $2.06B | $2.28B | $3.07B | $2.44B | $2.98B |
| Gross margin | 45.7% | 69.4% | 59.1% | 63.1% | 52.0% | 59.3% | 50.9% | 63.3% |
| R&D | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Operating income | $1.76B | $1.31B | $888.4M | $1.04B | $300.0M | $968.0M | $381.0M | $614.0M |
| EBITDA | $1.70B | $994.0M | $549.0M | $1.17B | $413.0M | $1.08B | $471.0M | $694.0M |
| Net income | $963.1M | $278.0M | $214.0M | $801.0M | $223.0M | $718.0M | $277.0M | $518.0M |
| Net margin | 17.0% | 8.3% | 6.5% | 24.5% | 5.1% | 13.9% | 5.8% | 11.0% |
| EPS (diluted) | 17.48 | 11.45 | 4.46 | 16.02 | 4.46 | 14.36 | 5.50 | 10.96 |
Annual figures · source: Financial Modeling Prep
Analyst estimates (consensus)
| Year | Est. revenue | Est. EPS | EPS range | # Analysts |
|---|---|---|---|---|
| 2026 | $4.0B | $11.25 | $9.68–$12.08 | 10 |
| 2027 | $4.1B | $12.79 | $11.69–$14.44 | 11 |
| 2028 | $4.2B | $14.63 | $11.92–$17.44 | 5 |
Forward consensus · source: Financial Modeling Prep
DCF fair valuemodel estimate
Intrinsic value
$94.66
Price
$108.73
Implied downside
-13%
Peer comparison
Bread Financial Holdings, Inc.
Formed by a combination of JCPenney's credit card processing unit and The Limited's credit card bank business, Bread Financial is a provider of private-label and co-branded credit cards, loyalty programs, and marketing services. The company's most financially significant unit is its credit card business that partners with retailers to jointly market Bread's credit cards to their customers. The company also retains a minority interest in spun-off LoyaltyOne, which operates the largest airline miles loyalty program in Canada and offers marketing services to grocery chains in Europe and Asia.
www.breadfinancial.com- Employees
- 6,000
- IPO / List date
- Jun 7, 2001
- HQ
- COLUMBUS, OH
Held by traders on TradeandTell
No one on the platform currently holds BFH.
Super investors & insiders
Institutions holding (13F)
| Institution | Shares | Reported |
|---|---|---|
| Bridgewater Associatesas of 2026-03-31 | 10,286 | $770.3K |
| Renaissance Technologiesas of 2025-09-30 | 8,542 | $476.4K |
Insider activity (SEC Form 4)
Dividend history
TTM yield · 0.83% ($0.90/share)
| Ex-date | Per share | Pay date |
|---|---|---|
| 2026-05-29 | $0.2300 | 2026-06-15 |
| 2026-02-27 | $0.2300 | 2026-03-16 |
| 2025-11-07 | $0.2300 | 2025-12-12 |
| 2025-08-08 | $0.2100 | 2025-09-12 |
| 2025-05-09 | $0.2100 | 2025-06-13 |
| 2025-02-14 | $0.2100 | 2025-03-21 |
| 2024-11-08 | $0.2100 | 2024-12-13 |
| 2024-08-09 | $0.2100 | 2024-09-13 |
| 2024-05-09 | $0.2100 | 2024-06-14 |
| 2024-02-08 | $0.2100 | 2024-03-15 |
Recent trades on TradeandTell
No one on the platform has traded BFH yet.
