AlphaMadera
Bread Financial Holdings, Inc. (BFH)
$98.61
-3.76 (-3.69%)Delayed quote.
Price history
Daily close- Start
- $63.76
- Latest close
- $98.61
- Period change
- +54.66%
- Period low
- $59.98
- Period high
- $113.43
Key metrics
- Market cap
- $3.72B
- Volume
- 37.8K
- Average volume
- 578.5K
- 52-week range
- $59.26 – $114.53
- Beta
- 1.25
- Last dividend
- $0.92
- EPS (TTM)
- $12.89
- P/E ratio
- 7.65
- Revenue (TTM)
- $4.79B
- Net income (TTM)
- $536.00M
- Total assets
- $23.29B
- Total debt
- $3.13B
- Cash and equivalents
- $3.96B
Key financials (trailing twelve months).
Company profile
Bread Financial Holdings, Inc. offers cutting-edge payment and credit solutions to consumers and various industries throughout North America. Their services include comprehensive financing for credit cards and other loans, which involves managing risk, originating accounts, and providing funding for approximately 130 private label and co-branded credit card programs. They also support around 500 small and medium-sized businesses through their Bread partnerships and issue Comenity-branded general purpose cash-back credit cards. The company is responsible for administering and overseeing all loans it generates, covering private label, co-brand, and general-purpose credit card portfolios, as well as its Bread BNPL (Buy Now Pay Later) products, which include installment and split-pay options. Beyond lending, they provide marketing, data, and analytics services. Their enhanced digital toolkit features a unified Software Development Kit (SDK), allowing seamless integration with their product range and encouraging the presentation of credit payment choices earlier in the retail journey. Additionally, the Bread digital payments platform, powered by a comprehensive suite of application programming interfaces (APIs), empowers merchants and partners to readily incorporate online point-of-sale financing, such as installment and split-pay solutions. Established in Columbus, Ohio in 1996, the company was formerly known as Alliance Data Systems Corporation until it rebranded as Bread Financial Holdings, Inc. in March 2022.
- Sector
- Financial Services
- Industry
- Financial - Credit Services
- Exchange
- NYSE
- CEO
- Ralph J. Andretta
- Employees
- 6,000
- Headquarters
- Columbus, OH, US
- IPO date
- 2001-06-07
Financial statements
Annual, last 3 fiscal years. Most recent period first. Reported in USD.
| Metric | FY2025Dec 31, 2025 | FY2024Dec 31, 2024 | FY2023Dec 31, 2023 |
|---|---|---|---|
| Revenue | $4.70B | $4.80B | $5.17B |
| Gross profit | $2.98B | $2.44B | $3.07B |
| Operating income | $614.00M | $381.00M | $968.00M |
| EBITDA | $694.00M | $471.00M | $1.08B |
| Net income | $518.00M | $277.00M | $718.00M |
| Diluted EPS | $10.96 | $5.50 | $14.36 |
| Metric | FY2025Dec 31, 2025 | FY2024Dec 31, 2024 | FY2023Dec 31, 2023 |
|---|---|---|---|
| Cash and equivalents | $3.60B | $3.68B | $3.59B |
| Total assets | $22.66B | $22.89B | $23.14B |
| Total liabilities | $19.34B | $19.84B | $20.22B |
| Total debt | $4.39B | $5.68B | $5.44B |
| Shareholders’ equity | $3.33B | $3.05B | $2.92B |
| Metric | FY2025Dec 31, 2025 | FY2024Dec 31, 2024 | FY2023Dec 31, 2023 |
|---|---|---|---|
| Operating cash flow | $2.09B | $1.86B | $1.99B |
| Capital expenditure | $0 | $0 | $0 |
| Free cash flow | $2.09B | $1.86B | $1.99B |
Quarterly, last 6 quarters. Most recent period first. Reported in USD.
| Metric | Q3 2026Sep 30, 2026 | Q2 2026Jun 30, 2026 | Q1 2026Mar 31, 2026 | Q4 2025Dec 31, 2025 | Q3 2025Sep 30, 2025 | Q2 2025Jun 30, 2025 |
|---|---|---|---|---|---|---|
| Revenue | $1.22B | $1.19B | $1.21B | $1.17B | $1.18B | $1.15B |
| Gross profit | $696.00M | $680.00M | $715.00M | $975.00M | $672.00M | $655.00M |
| Operating income | $209.00M | $197.00M | $243.00M | $47.00M | $196.00M | $174.00M |
| EBITDA | $209.00M | $215.00M | $262.00M | $66.00M | $215.00M | $195.00M |
| Net income | $156.00M | $146.00M | $181.00M | $53.00M | $188.00M | $139.00M |
| Diluted EPS | $3.82 | $3.55 | $4.15 | $1.16 | $3.96 | $2.94 |
| Metric | Q3 2026Sep 30, 2026 | Q2 2026Jun 30, 2026 | Q1 2026Mar 31, 2026 | Q4 2025Dec 31, 2025 | Q3 2025Sep 30, 2025 | Q2 2025Jun 30, 2025 |
|---|---|---|---|---|---|---|
| Cash and equivalents | $3.96B | $3.68B | $3.64B | $3.60B | $3.76B | $3.80B |
| Total assets | $23.29B | $22.45B | $22.31B | $22.66B | $21.71B | $21.82B |
| Total liabilities | $19.85B | $19.09B | $18.98B | $19.34B | $18.40B | $18.66B |
| Total debt | $3.13B | $3.29B | $3.94B | $4.39B | $3.79B | $4.23B |
| Shareholders’ equity | $3.44B | $3.37B | $3.33B | $3.33B | $3.32B | $3.17B |
| Metric | Q3 2026Sep 30, 2026 | Q2 2026Jun 30, 2026 | Q1 2026Mar 31, 2026 | Q4 2025Dec 31, 2025 | Q3 2025Sep 30, 2025 | Q2 2025Jun 30, 2025 |
|---|---|---|---|---|---|---|
| Operating cash flow | $601.00M | $533.00M | $487.00M | $568.00M | $605.00M | $526.00M |
| Capital expenditure | $0 | $0 | $0 | $0 | -$8.00M | $0 |
| Free cash flow | $601.00M | $533.00M | $487.00M | $568.00M | $597.00M | $526.00M |