Stocks · Financial Services · Financial - Credit Services
Bread Financial Holdings, Inc. BFH
$98.05 +1.15% Close, Oct 2, 2026 · NYSE · Market cap $3.96B
Strong trendInexpensive vs sector
Next earnings report: Oct 22, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $12.82, up 117.3% year over year.
- The diluted share count fell 13.8% in a year, mainly through buybacks.
- Earnings beat analyst estimates in each of the last 7 quarters (average surprise over the last four: +100.0%).
PromtFinance scores
Each score is a percentile within the Financial Services sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Bottom 28%
- EPS growth (TTM, YoY)Top 9%
- FCF growth (TTM, YoY)Bottom 48%
- Revenue growth, 3-year CAGRBottom 13%
- Revenue growth accelerationTop 33%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalTop 41%
- Gross marginBottom 48%
- Operating marginBottom 31%
- Cash conversion (OCF / net income)Top 5%
- Accruals (lower is better)Top 13%
- Net debt / EBITDA (lower is better)Top 21%
- Interest coverBottom 45%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldTop 8%
- Free-cash-flow yieldTop 5%
- EBITDA / enterprise valueTop 7%
- Sales / enterprise valueTop 8%
- P/E vs own 5-year history (lower is better)Bottom 36%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 1%
- 6-month returnTop 8%
- 1-year return vs S&P 500Top 2%
- Distance from 52-week highBottom 36%
- Trend checklist (0–4)Top 48%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 2%
- Consecutive EPS beatsTop 16%
- Share of analysts rating BuyBottom 42%
- Upside to consensus price targetTop 40%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Bottom 26%
- Maximum drawdown, 3 yearsBottom 30%
- Beta vs S&P 500 (lower is better)Bottom 8%
- Net debt / EBITDA (lower is better)Top 21%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | -0.8% | 0.7% | ↑ |
| EPS growth (YoY) | 117.7% | 117.3% | ↓ |
| Gross margin | 51.9% | 64.0% | ↑ |
| Operating margin | 8.1% | 14.4% | ↑ |
| FCF margin | 39.8% | 46.0% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 0.7% | -0.8% | ↑ | Bottom 28% |
| EPS growth (TTM, YoY) | 117.3% | 117.7% | ↓ | Top 9% |
| Gross margin | 64.0% | 51.9% | ↑ | Bottom 48% |
| Operating margin | 14.4% | 8.1% | ↑ | Bottom 31% |
| Net margin | 11.9% | 6.1% | ↑ | — |
| Free-cash-flow margin | 46.0% | 39.8% | ↑ | — |
| Return on invested capital | 2.5% | — | Top 41% | |
| Revenue growth, 3-year CAGR | 2.4% | — | Bottom 13% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 3.00×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -7.2%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 1.2%
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -0.54×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 0.9×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 1.14%
- Net buyback yield (TTM)
- 14.11%
- Shareholder yield
- 15.25%
- Share count change, 1 year
- -13.8%
- Share count change, 3-year CAGR
- -6.8%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Jul 28, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 7
- Beats in the last 8 reports
- 7 of 8
- Average EPS surprise, last 4
- +100.0%
- Average 2-day reaction, last 8
- +1.5%
- Positive 20 days after report
- 5 of 8
Analysts
- Consensus price target
- $116.73
- Target vs current price
- +19.1%
- Analysts with a rating
- 37
- Share rating Buy or Strong Buy
- 41%
- Consensus rating
- Hold
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Jul 23, 2026 | +29.6% | +1.7% | +5.0% | +6.5% | — |
| Apr 23, 2026 | +39.3% | -0.3% | -7.6% | -5.1% | +7.6% |
| Jan 29, 2026 | +417.5% | +7.1% | +12.2% | +16.2% | +26.3% |
| Oct 23, 2025 | +90.5% | +8.1% | +2.8% | +3.0% | +15.5% |
| Jul 24, 2025 | +69.7% | -5.0% | -3.8% | -7.1% | -10.3% |
| Apr 24, 2025 | +36.2% | +2.5% | -0.6% | +7.4% | +27.9% |
| Jan 30, 2025 | +24.2% | +0.1% | -2.7% | -15.7% | -23.2% |
| Oct 24, 2024 | -5.2% | -1.9% | -0.1% | +12.1% | +27.6% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Jul 23, 2026 | $3.55 | $2.74 | +29.6% | $993.0M |
| Apr 23, 2026 | $4.18 | $3.00 | +39.3% | $1.02B |
| Jan 29, 2026 | $2.07 | $0.40 | +417.5% | $975.0M |
| Oct 23, 2025 | $4.02 | $2.11 | +90.5% | $971.0M |
| Jul 24, 2025 | $3.14 | $1.85 | +69.7% | $926.0M |
| Apr 24, 2025 | $2.86 | $2.10 | +36.2% | $970.0M |
| Jan 30, 2025 | $0.41 | $0.33 | +24.2% | $925.0M |
| Oct 24, 2024 | $1.84 | $1.94 | -5.2% | $983.0M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 7.6× | 5.2× | 71th | Top 8% |
| P/E (forward) | 8.0× | — | — | — |
| EV / EBITDA | 4.8× | — | — | Top 7% |
| EV / Sales | 0.75× | — | — | Top 8% |
| Free-cash-flow yield | 55.15% | — | — | Top 5% |
| Earnings yield | 13.07% | — | — | Top 8% |
P/E over the past five years
Range 2.5× – 11.3× since Jun 30, 2021. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +78.6%
- Earnings per share growth (TTM)
- +117.3%
- Change in P/E multiple
- -21.0%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✗ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 244
- 50-day average slope (20 days)
- +1.2%
- 200-day average slope (20 days)
- +4.2%
- Distance from 50-day average
- -8.1%
- Distance from 200-day average
- +10.0%
- RSI (14)
- 37.2
- Relative volume
- 0.73×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 30.6%
- Volatility vs own 5-year history
- 0th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.42
- Correlation with S&P 500
- 0.54
- Current drawdown from 1-year high
- -13.5%
- Maximum drawdown, 3 years
- -36.9%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| May 7, 2021 | May 4, 2023 | -76.2% | 501 days | 778 days (Jun 11, 2026) |
| Oct 16, 2020 | Oct 28, 2020 | -20.4% | 8 days | 3 days (Nov 2, 2020) |
| Dec 4, 2020 | Jan 27, 2021 | -19.2% | 35 days | 7 days (Feb 5, 2021) |
| Aug 14, 2026 | Oct 1, 2026 | -14.5% | 33 days | Not yet recovered |
| Mar 26, 2021 | Apr 20, 2021 | -14.1% | 16 days | 10 days (May 4, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $3.96B
- P/E (TTM)
- 7.6
- EPS, diluted (TTM)
- $12.82
- Revenue (TTM)
- $4.75B
- Dividend yield
- 0.94%
- 52-week range
- $53.83 – $114.53
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $3.27B | $4.37B | $5.17B | $4.80B | $4.70B |
| Gross profit | $1.68B | $2.28B | $3.07B | $2.44B | $2.98B |
| Operating income | $1.04B | $300.0M | $968.0M | $381.0M | $614.0M |
| Net income | $801.0M | $223.0M | $718.0M | $277.0M | $518.0M |
| EPS (diluted) | $16.02 | $4.46 | $14.36 | $5.50 | $10.96 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $1.22B | $1.16B | $1.20B | $1.15B | $1.18B | $1.17B | $1.21B | $1.19B |
| Net income | $2.0M | $7.0M | $138.0M | $139.0M | $188.0M | $53.0M | $181.0M | $146.0M |
| EPS (diluted) | $0.04 | $0.14 | $2.78 | $2.94 | $3.96 | $1.16 | $4.15 | $3.55 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $1.54B | $1.85B | $1.99B | $1.86B | $2.09B |
| Capital expenditure | -$84.0M | -$68.0M | $0 | $0 | $0 |
| Free cash flow | $1.46B | $1.78B | $1.99B | $1.86B | $2.09B |
| Dividends paid | -$42.0M | -$43.0M | -$42.0M | -$43.0M | -$42.0M |
| Net share buybacks | $4.0M | -$12.0M | -$35.0M | -$55.0M | -$313.0M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $3.68B
- Total assets
- $22.45B
- Total liabilities
- $19.09B
- Total debt
- $3.29B
- Net debt
- -$398.0M
- Shareholders’ equity
- $3.37B
As of Jun 30, 2026 (filed Jul 28, 2026).
Dividends
| Ex-date | Amount | Paid |
|---|---|---|
| Aug 31, 2026 | $0.23 | Sep 15, 2026 |
| May 29, 2026 | $0.23 | Jun 15, 2026 |
| Feb 27, 2026 | $0.23 | Mar 16, 2026 |
| Nov 7, 2025 | $0.23 | Dec 12, 2025 |
| Aug 8, 2025 | $0.21 | Sep 12, 2025 |
| May 9, 2025 | $0.21 | Jun 13, 2025 |
| Feb 14, 2025 | $0.21 | Mar 21, 2025 |
| Nov 8, 2024 | $0.21 | Dec 13, 2024 |
Short interest
- Shares sold short
- 2,788,626
- Days to cover
- 5.57
- Change vs previous report
- -9.8%
FINRA short interest, settlement date Sep 15, 2026.
Stock splits
- Nov 8, 2021
- 1,253-for-1,000
- Jun 6, 2006
- 1-for-4