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NYSE: BFH
Bread Financial Holdings Inc Stock

Overview
ForecastEarningsRevenueDividendOwnership
$45.60-1.27 (-2.71%)
Updated Apr 21, 2025
BFH Price
$45.60
Fair Value Price
N/A
Market Cap
$2.24B
52 Week Low
$33.58
52 Week High
$66.71
P/E
8.17x
P/B
0.73x
P/S
1.24x
PEG
0.41x
Dividend Yield
1.84%
Revenue
$2.44B
Earnings
$277.00M
Gross Margin
100%
Operating Margin
15.53%
Profit Margin
11.3%
Debt to Equity
6.5
Operating Cash Flow
$2B
Beta
1.66
Next Earnings
Apr 23, 2025
Ex-Dividend
N/A
Next Dividend
N/A

BFH Overview

Bread Financial Holdings, Inc. provides loyalty and marketing services, such as private label credit cards, coalition loyalty programs, and direct marketing derived from the capture and analysis of transaction-rich data. Known as Alliance Data Systems Corporation until 2022/03., the company was founded in 1996 and is headquartered in Columbus, OH.

Zen Rating

Our proven quant model uses 115 proprietary factors, including AI, to determine BFH's potential to beat the market

CHold
  • Stocks with a Zen Rating of Hold (C) had an average return of +7.53% per year. Learn More
View All “A” Zen Rated Stocks
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Zen Rating Component Grades

A
Value
F
Growth
C
Momentum
C
Sentiment
C
Safety
C
Financials
C
Artificial Intelligence
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.

Industry: Credit Service

Industry Rating
A
BFH
Ranked#44 of 50

Top Ranked Stocks in Industry

Name / TickerPriceZen Rating
Cpi Card Group (PMTS)
$25.62A
Oppfi (OPFI)
$7.98A
Finvolution Group (FINV)
$7.03A
View Top Credit Service Stocks

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BFH News

Overview

Due Diligence Score

–
Industry Average (35)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how BFH scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.

Due Diligence Checks

BFH ($45.60) is trading below its intrinsic value of $68.99, according to an updated version of Benjamin Graham's Formula from Chapter 11 of "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
BFH is good value based on its earnings relative to its share price (8.17x), compared to the US market average (27.14x)
P/E vs Market Valuation
BFH is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
There are 35 more BFH due diligence checks available for Premium users.

Valuation

BFH price to earnings (PE)

For valuing profitable companies with steady earnings

Company
8.17x
Industry
27.8x
Market
27.14x
BFH is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
BFH is good value based... subscribe to Premium to read more.
P/E vs Market Valuation

BFH price to book (PB)

For valuing companies that are loss-making or have lots of physical asset

Company
0.73x
Industry
5.03x
BFH is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation

BFH price to earnings growth (PEG)

For valuing profitable companies with growth potential

BFH is good value based... subscribe to Premium to read more.
PEG Value Valuation

BFH's financial health

Profit margin

Revenue
$508.0M
Net Income
$7.0M
Profit Margin
1.4%
BFH's Earnings (EBIT) of $379.00M... subscribe to Premium to read more.
Interest Coverage Financials
BFH's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials

Assets to liabilities

Assets
$22.9B
Liabilities
$19.8B
Debt to equity
6.5
BFH's debt relative to shareholder... subscribe to Premium to read more.
Shrinking Debt Financials
BFH's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials

Cash flow

Operating
$479.0M
Investing
-$1.4B
Financing
$1.1B
BFH's operating cash flow ($1.86B)... subscribe to Premium to read more.
Debt Coverage Financials

BFH vs Credit Service Stocks

TickerZen RatingMarket Cap1d %P/EP/B
BFHC$2.24B-2.71%8.17x0.73x
ENVAA$2.30B-2.48%11.44x1.92x
LUD$2.06B+0.85%-3.08x0.17x
AGMC$1.87B-1.40%10.37x1.26x
FINVA$1.78B-1.82%5.56x0.86x
View Top Credit Service Stocks

Bread Financial Holdings Stock FAQ

What is Bread Financial Holdings's quote symbol?

(NYSE: BFH) Bread Financial Holdings trades on the NYSE under the ticker symbol BFH. Bread Financial Holdings stock quotes can also be displayed as NYSE: BFH.

If you're new to stock investing, here's how to buy Bread Financial Holdings stock.

What is the 52 week high and low for Bread Financial Holdings (NYSE: BFH)?

(NYSE: BFH) Bread Financial Holdings's 52-week high was $66.71, and its 52-week low was $33.58. It is currently -31.64% from its 52-week high and 35.8% from its 52-week low.

How much is Bread Financial Holdings stock worth today?

(NYSE: BFH) Bread Financial Holdings currently has 49,092,356 outstanding shares. With Bread Financial Holdings stock trading at $45.60 per share, the total value of Bread Financial Holdings stock (market capitalization) is $2.24B.

Bread Financial Holdings stock was originally listed at a price of $12.86 in Jun 15, 2001. If you had invested in Bread Financial Holdings stock at $12.86, your return over the last 23 years would have been 254.59%, for an annualized return of 5.66% (not including any dividends or dividend reinvestments).

How much is Bread Financial Holdings's stock price per share?

(NYSE: BFH) Bread Financial Holdings stock price per share is $45.60 today (as of Apr 21, 2025).

What is Bread Financial Holdings's Market Cap?

(NYSE: BFH) Bread Financial Holdings's market cap is $2.24B, as of Apr 23, 2025.

Market cap (market capitalization) is the total market value of a publicly traded company's outstanding shares.

Bread Financial Holdings's market cap is calculated by multiplying BFH's current stock price of $45.60 by BFH's total outstanding shares of 49,092,356.
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