BFH Bread Financial Holdings, Inc.
Data as of close
Financial · Personal Credit Institutions
Bread Financial Holdings, Inc. (BFH) is a financial company in the Personal Credit Institutions industry, with a market capitalization of $4.1 billion. Shares last traded at $107.16, 6.0% below their 52-week high. Over the past year the stock is up 73.1%. BFH trades at a price-to-earnings ratio of 7.58, below the Personal Credit Institutions median of 9.18. Net profit margin is 10.9%, below the peer median of 12.9%. Revenue declined 31.3% year over year. The shares yield 0.9% in dividends.
* P/E (TTM) = market cap ÷ net income over the trailing twelve months where four consecutive quarters are reported, otherwise the latest fiscal year — the same basis as the peer table and the screener, so it can differ from price ÷ EPS.
Performance
Chart
Full chart →Daily candles · volume · SMA(20)/SMA(50) · Databento EQUS.MINI.
Technicals
Financials
Trailing twelve months where four consecutive quarters are reported, otherwise the latest fiscal year; revenue is the fiscal-year figure where quarterly revenue covers under half of it (typical for banks, insurers and REITs), and margins are taken on it; latest reported period ends 2026-09-30. Source: SEC EDGAR/XBRL.
BFH Dividend History
| Fiscal year end | Total dividends paid | Per share* | Payout ratio |
|---|---|---|---|
| 2025-12-31 | $40M | $0.84 | 8% |
| 2024-12-31 | $43M | $0.85 | 16% |
| 2023-12-31 | $42M | $0.84 | 6% |
| 2022-12-31 | $43M | $0.86 | 19% |
| 2021-12-31 | $42M | $0.84 | 5% |
| 2020-12-31 | $61M | $1.27 | 29% |
| 2019-12-31 | $127M | $2.50 | 46% |
| 2018-12-31 | $125M | $2.27 | 13% |
| 2017-12-31 | $116M | $2.07 | 15% |
*Per share derived as total dividends paid ÷ weighted diluted shares (SEC EDGAR/XBRL annual cash-flow facts). Reported history — not a forecast of future dividends.
Compare payers on the highest-dividend-yield screener.
Recent earnings
| Period | EPS (diluted) | Reported |
|---|---|---|
| Q3 2026 | $3.82 | 2026-10-27 |
| Q2 2026 | $3.55 | 2026-07-28 |
| Q1 2026 | $4.15 | 2026-04-28 |
| Q4 2025 (derived) | $1.21 | 2026-02-13 |
| FY 2025 | $10.89 | 2026-02-13 |
| Q3 2025 | $3.96 | 2025-10-28 |
Q4 marked "derived" = fiscal-year EPS minus Q1–Q3 (10-Ks report only the annual figure); EPS is not strictly additive, so it can differ by a cent or two from the issuer's own Q4.
Personal Credit Institutions peers
BFH vs 14 industry peers (Personal Credit Institutions), by market cap. Data as of close
| AFRM | Affirm Holdings, Inc. | $24.8B | 12.86 | 5.83 | 45.3% | +0.11% |
| OMF | Onemain Holdings, Inc. | $6.6B | 8.32 | 1.07 | 12.9% | +1.40% |
| CACC | Credit Acceptance Corp | $4.9B | 14.57 | 2.10 | 14.4% | +4.20% |
| NNI | Nelnet Inc | $4.4B | 14.71 | 5.22 | 35.5% | +1.45% |
| ENVA | Enova International, Inc. | $4.3B | 11.13 | 1.17 | 10.5% | -0.04% |
| BFH | Bread Financial Holdings, Inc. | $4.1B | 7.58 | 0.83 | 10.9% | +3.65% |
| SLM | Slm Corp | $3.3B | 5.76 | 1.05 | 18.2% | +0.34% |
| HAPN | Happen, Inc. | $1.8B | 8.52 | 1.34 | 15.8% | +0.19% |
| ATLC | Atlanticus Holdings Corp | $1.4B | 9.18 | 0.53 | 5.8% | -0.14% |
| WRLD | World Acceptance Corp | $772M | 19.73 | 1.30 | 6.6% | +0.84% |
| RM | Regional Management Corp. | $351M | 7.37 | 0.51 | 7.0% | +8.08% |
| PICS | Pics N.V. | — | — | — | — | -4.58% |
| ATLCL | Atlanticus Holdings Corp | — | — | — | — | +0.04% |
| ATLCZ | Atlanticus Holdings Corp | — | — | — | — | -0.47% |
Source: SEC EDGAR (fundamentals/EPS/dividends) · Databento EQUS.MINI (prices) · market cap & yield computed by tradmap. Informational only — not financial advice.