Bread Financial Holdings, Inc. (BFH)
Full history for every metric is available with a Kvantra account
No price history available.
Key financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total revenue | $m | 3,298 | 3,270 | 4,373 | 5,174 | 4,798 | 4,699 | 4,754 | 4,003 |
| Operating profit | $m | 614 | 683 | ||||||
| Net profit | $m | 214 | 801 | 223 | 718 | 277 | 518 | 568 | 565 |
| EPS reported | $ | 10.96 | 12.82 | ||||||
| Operating cashflow per share | $ | 46.59 | 54.96 | ||||||
| Capex per share | $ | 0.00 | 0.20 | ||||||
| FCF per share | $ | 46.59 | 54.76 | ||||||
| Free cash flow | $m | 2,092 | 2,185 | ||||||
| Net debt | $m | 533 | -398 | ||||||
| Book value equity | $m | 3,327 | 3,365 | ||||||
| Book value per share | $ | 72.33 | 82.68 | ||||||
| Number of shares | m | 46 | 40.7 | ||||||
| DPS (TTM paid) | $ | 0.86 | 0.92 |
Financial summary
Financials in USD| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 6.75 | 8.03 | ||||||
| P/B LTM | x | 1.00 | 0.99 | ||||||
| P/S LTM | x | 0.71 | 0.70 | ||||||
| P/FCF LTM | x | 1.59 | 1.52 | ||||||
| EV/EBITDA LTM | x | 5.93 | 5.56 | ||||||
| EV/Sales LTM | x | 0.88 | 0.86 | ||||||
| Earnings Yield LTM | % | +14.81% | +12.45% | ||||||
| FCF Yield | % | +62.94% | +65.74% | ||||||
| Quality | |||||||||
| ROE | % | +15.57% | +17.04% | ||||||
| ROIC | % | +6.54% | +2.53% | ||||||
| Operating margin | % | +13.07% | +14.37% | ||||||
| Gross margin | % | +63.33% | +63.99% | ||||||
| FCF/Sales | % | +44.52% | +45.96% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +99.27% | +133.09% | ||||||
| Sales Growth YoY | % | -2.06% | -0.92% | ||||||
| Net Income Growth YoY | % | +87.00% | +105.05% | ||||||
| FCF Growth | % | +12.53% | +17.54% | ||||||
| Operating Profit Growth | % | +61.15% | +79.27% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +1.26% | +0.83% | ||||||
| Dividend Growth | % | +2.38% | +9.52% | ||||||
| Payout Ratio | % | +8.33% | +7.91% | ||||||
| FCF/Debt | x | 0.48 | 0.67 | ||||||
| Net Debt/EBITDA | x | 1.14 | -0.54 | ||||||
| EBIT/Net interest | x | 0.72 | 0.86 | ||||||
| Net debt/market cap | % | +1.30% | +73.33% | ||||||
| Net debt/Equity | x | 0.16 | -0.12 | ||||||
| Gross debt/equity | x | 1.32 | 0.98 | ||||||
Price target estimates
Based on consensus from external analysts. Not Kvantra's opinion.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
ESG
| Metric | 2024 | 2025 | 2026 |
|---|---|---|---|
| ESG-score | |||
| Environmental score | |||
| Social score | |||
| Governance score | |||
| Risk rating |
Company overview
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.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Bread Financial Holdings, Inc. (BFH)
No price history available.
Consensus from external analysts. Not Kvantra's opinion.
Based on consensus from external analysts. Not Kvantra's opinion.
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.
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