Bread Financial Holdings, Inc. (BFH) — Analysis Summary
Bread Financial Holdings, Inc. (BFH) has a market cap of $3.90B with year-over-year revenue growth of -0.1%. Net margin stands at 12.8%. The stock trades at a P/E ratio of 6.9.
Key Takeaways
- Revenue changed -0.1% year-over-year
- Net margin of 12.8%
- P/E ratio of 6.9
Compared to other companies in the PERSONAL CREDIT INSTITUTIONS sector, BFH posted revenue growth of -0.1% and trades at a P/E of 6.9.
Bread Financial Holdings, Inc. (BFH)
PREVIOUS CLOSE 2026-10-12 · MARKET DATA POLYGON · FINANCIALS SEC EDGAR
Red Flags & WarningsWatch List
Some caution signals are active and should be weighed alongside the valuation work.
Interest coverage at 2.3x — limited headroom for earnings decline
Operating margin (13.6%) exceeds gross margin (0.0%) — check for other operating income or data classification issues
Formed by a combination of JCPenney's credit card processing unit and The Limited's credit card bank business, Bread Financial is a provider of private-label and co-branded credit cards, loyalty programs, and marketing services. The company's most financially significant unit is its credit card business, which partners with retailers to jointly market Bread's credit cards to their customers. The company also retains a minority interest in spun-off LoyaltyOne, which operates the largest airline miles loyalty program in Canada and offers marketing services to grocery chains in Europe and Asia.
Sector
PERSONAL CREDIT INSTITUTIONS
Employees
6,000
Headquarters
COLUMBUS, OH
Exchange
XNYS
Systematic competitive advantage assessment based on 4yr data
This assessment is based on quantitative analysis of historical financial data and does not constitute investment advice. Moat ratings may change with industry and competitive dynamics.
First version surfaces recent SEC Forms 3, 4, and 5 activity. It does not yet parse individual buy/sell transactions.
Capital Structure
Cash Flow
Annual Dividend/Share
$0.92
Dividend Yield
0.91%
Dividend History
Disclaimer: This is not financial advice. Data sourced from SEC EDGAR and Polygon.io. Past performance does not guarantee future results. Always conduct your own research before making investment decisions.