What is Bread Financial Holdings, Inc. (BFH) stock price today?

Bread Financial Holdings, Inc. (BFH) is currently trading at $100.58, down 0.15% today.

What is BFH P/E ratio?

Bread Financial Holdings, Inc.'s P/E ratio is 7.50. This is below the market average, suggesting the stock may be undervalued relative to earnings.

What is BFH return on equity (ROE)?

Bread Financial Holdings, Inc.'s return on equity (ROE) is 17.04%, indicating how efficiently the company generates profit from shareholders' equity. This is above the market average.

What is Bread Financial Holdings, Inc.'s market cap?

Bread Financial Holdings, Inc. has a market capitalization of $4.06B.

NYSE · Financial - Credit Services

Bread Financial Holdings, Inc. (BFH) Stock

$100.58 -0.15% NYSE: BFH Financial Services

Valuation

Metric	Value
Price	$100.58
Market Cap	$4.06B
P/E Ratio	7.50
P/B Ratio	1.16
P/S Ratio	0.83
EPS (TTM)	$0.00
52-Week High	$114.53
52-Week Low	$53.83
Dividend Yield	0.94%

Financials & Margins

Metric	Value
ROE	17.04%
ROA	2.53%
ROCE	3.04%
Gross Margin	63.99%
Operating Margin	14.00%
Net Margin	11.95%
Debt/Equity	0.98
Current Ratio	0.27

Annual Financials (USD)

Metric	2021	2022	2023	2024	2025
Revenue	$3.3B	$4.4B	$5.2B	$4.8B	$4.7B
Operating Profit	$1.0B	$300.0M	$968.0M	$381.0M	$614.0M
Net Profit	$801.0M	$223.0M	$718.0M	$277.0M	$518.0M
EPS	$16.02	$4.46	$14.36	$5.50	$10.96
Op Margin	31.9%	6.9%	18.7%	7.9%	13.1%

Balance Sheet (USD)

Metric	2021	2022	2023	2024	2025
Total Assets	$21.7B	$25.4B	$23.1B	$22.9B	$22.7B
Total Liabilities	$19.7B	$23.1B	$20.2B	$19.8B	$19.3B
Cash	$3.0B	$3.9B	$3.6B	$3.7B	$3.6B
Borrowings	$7.6B	$8.1B	$5.4B	$5.7B	$4.4B

Latest News

PJT Partners (PJT) Moves 4.8% Higher: Will This Strength Last? Zacks · Jul 15, 2026 BFH: Lowering target price to $103.00 Argus Research · Jul 15, 2026 Bread Financial Announces Executive Leadership Changes GlobeNewswire · Jul 14, 2026 Bread Financial Holdings, Inc. (BFH) Is A Top Stock In Miller Value Partners’ Filings Insider Monkey · Jul 12, 2026 Can Bread Financial (BFH) Sustain Its Earnings Surprises Or Are Expectations Becoming Too Optimistic? Simply Wall St. · Jul 11, 2026

Cash Flow (USD)

Metric	2021	2022	2023	2024	2025
Operating Cash Flow	$1.5B	$1.8B	$2.0B	$1.9B	$2.1B
Investing Cash Flow	$-1.8B	$-5.2B	$788.0M	$-1.2B	$-1.4B
Financing Cash Flow	$1.1B	$2.8B	$-348.0M	$-618.0M	$481.0M
Net Cash Flow	$460.0M	$4.0M	$-311.0M	$98.0M	$-86.0M
Free Cash Flow	$1.5B	$1.8B	$2.0B	$1.9B	$2.1B

Valuation & Return Ratios

Metric	Value
PEG Ratio	0.06
EV / EBITDA	4.79
FCF Yield	55.41%
Quick Ratio	0.27
Interest Coverage	0.86
Return 1Y	60.01%
Return 3Y	194.22%
Return 5Y	50.46%

Ownership

Insiders Held1.35%

Institutions Held112.06%

Institutions Float Held113.59%

Institutional Holder	Shares	Report Date
Blackrock Inc.	4,224,700	2026-03-31
Dimensional Fund Advisors LP	3,086,060	2026-03-31
Vanguard Portfolio Management LLC	2,756,336	2026-03-31
Turtle Creek Asset Management Inc.	2,431,102	2026-03-31
Vanguard Capital Management LLC	1,869,385	2026-03-31

Peer Comparison

Ticker	Price	Change	P/E	Market Cap	Div Yield
BHFBrighthouse Financial, Inc.	$48.53	-0.94%	3.93	$2.79B	0.00%
ENVAEnova International, Inc.	$178.07	-2.48%	12.10	$4.43B	0.00%
ETOReToro Group Ltd.	$25.90	+2.53%	8.45	$2.18B	0.00%
KMPRKemper Corporation	$26.95	-1.89%	-3.05	$1.59B	4.99%
NMIHNMI Holdings Inc	$40.01	-1.48%	7.88	$3.04B	0.00%

About Bread Financial Holdings, Inc.

Bread Financial Holdings, Inc. (BFH) stock trades at $100.58 with a market capitalization of $4.06B. The stock is valued at a price-to-earnings (P/E) ratio of 7.50, price-to-book of 1.16, price-to-sales of 0.83. Over the past 52 weeks the stock has ranged between $53.83 and $114.53, and currently trades 12.2% below its 52-week high. It pays a dividend yielding 0.94%.

On profitability, Bread Financial Holdings, Inc. generates a return on equity (ROE) of 17.04%, above the typical market average, return on capital employed of 3.04%, an operating margin of 14.00%, a net profit margin of 11.95%.

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