BFH - Bread Financial Holdings, Inc.
NEXT EARNINGS:
Apr 23, 2026
(in 25 days)
EPS Est: $2.99
|
Rev Est: $992.1M
Price:
--
--
|
CONSENSUS:
Hold
DETAILS
|
PRICE TARGET:
$84.17
DETAILS
HIGH:
$92.00
LOW:
$64.00
MEDIAN:
$87.00
CONSENSUS:
$84.17
UPSIDE:
16.69%
Market Cap:
3.29B
Volume:
449,834
Avg Volume:
838,269
52 Week Range:
38.21-82.03
Sector:
Financial Services
Industry:
Financial - Credit Services
Beta:
1.20
Last Dividend:
$0.88
Exchange:
NYSE
Country:
US
Employees:
6,000
IPO Date:
2001-06-15
EPS (TTM):
11.01
P/E Ratio:
6.55
Revenue (TTM):
4.70B
Total Assets:
22.66B
Total Debt:
4.39B
Cash & Equiv:
3.60B
Rev Growth (5Y):
7.3%
EPS Growth (5Y):
20.0%
FCF Growth (5Y):
2.7%
ROCE:
7.7%
Debt/Equity:
1.32
Earnings History
| Date | EPS Actual | EPS Est | EPS Surprise | Rev Actual | Rev Est | Rev Surprise |
|---|---|---|---|---|---|---|
| 2026-01-29 | $2.07 | $0.40 | +417.5% | $975.0M | $953.3M | +2.3% |
| 2025-10-23 | $4.02 | $2.11 | +90.5% | $971.0M | $968.1M | +0.3% |
| 2025-07-24 | $3.14 | $1.85 | +69.7% | $926.0M | $973.9M | -4.9% |
| 2025-04-24 | $2.86 | $2.10 | +36.2% | $970.0M | $953.5M | +1.7% |
| 2025-01-30 | $0.41 | $0.33 | +24.2% | $925.0M | $973.6M | -5.0% |
| 2024-10-24 | $1.84 | $1.94 | -5.2% | $983.0M | $981.3M | +0.2% |
| 2024-07-25 | $2.66 | $1.77 | +50.3% | $939.0M | $922.3M | +1.8% |
| 2024-04-25 | $2.70 | $3.02 | -10.6% | $991.0M | $999.2M | -0.8% |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 4.70B | 4.80B | 5.17B | 4.37B | 3.27B | 3.30B | 3.35B | 5.67B | 5.47B | 7.14B | 6.44B | 5.30B |
| Net Income | 518.00M | 277.00M | 718.00M | 223.00M | 801.00M | 214.00M | 278.00M | 963.10M | 788.70M | 515.80M | 596.50M | 506.30M |
| EPS | 11.13 | 5.58 | 14.42 | 4.47 | 16.12 | 4.47 | 11.45 | 17.54 | 14.17 | 7.37 | 8.91 | 8.72 |
| Total Assets | 22.66B | 22.89B | 23.14B | 25.41B | 21.75B | 22.55B | 26.49B | 30.39B | 30.68B | 25.51B | 22.42B | 20.26B |
| Total Debt | 4.39B | 5.68B | 5.44B | 8.13B | 7.58B | 8.70B | 10.45B | 13.38B | 14.89B | 12.56B | 11.56B | 9.40B |
| Cash & Equivalents | 3.60B | 3.68B | 3.59B | 3.89B | 3.05B | 2.80B | 3.87B | 3.82B | 4.19B | 1.86B | 1.17B | 1.08B |
| Operating Cash Flow | 2.09B | 1.86B | 1.99B | 1.85B | 1.54B | 1.88B | 1.22B | 2.75B | 2.61B | 2.09B | 1.63B | 1.34B |
| Free Cash Flow | 2.09B | 1.86B | 1.99B | 1.78B | 1.46B | 1.83B | 1.08B | 2.56B | 2.38B | 1.88B | 1.44B | 1.19B |
| FCF per Share | 46.59 | 37.48 | 39.90 | 35.67 | 29.36 | 38.26 | 21.51 | 46.54 | 42.80 | 32.11 | 23.19 | 21.02 |
| Book Value | 3.33B | 3.05B | 2.92B | 2.27B | 2.09B | 1.52B | 1.59B | 2.33B | 1.86B | 1.66B | 2.01B | 2.40B |
| Cash & ST Investments | 3.77B | 3.85B | 3.76B | 3.99B | 3.22B | 2.80B | 3.87B | 3.82B | 4.19B | 1.86B | 1.17B | 1.08B |
| ROC Equity | 0.16 | 0.09 | 0.25 | 0.10 | 0.38 | 0.14 | 0.18 | 0.41 | 0.43 | 0.31 | 0.30 | 0.21 |