Bread Financial Holdings Inc. provides lending and payment technology solutions to customers and consumer-based industries in North America. The company is headquartered in Columbus, Ohio.
| Revenue (TTM) | $2.67B |
| Gross Profit (TTM) | $2.67B |
| EBITDA | $682.00M |
| Operating Margin | 29.00% |
| Return on Equity | 17.40% |
| Return on Assets | 2.57% |
| Revenue/Share (TTM) | $61.26 |
| Book Value | $86.95 |
| Price-to-Book | 1.24 |
| Price-to-Sales (TTM) | 1.60 |
| EV/Revenue | 1.89 |
| EV/EBITDA | 6.08 |
| Quarterly Earnings Growth (YoY) | 21.20% |
| Quarterly Revenue Growth (YoY) | 3.80% |
| Shares Outstanding | $38.42M |
| Float | $37.77M |
| % Insiders | 1.41% |
| % Institutions | 108.19% |
Volatility is currently expanding
Investors interested in stocks from the Financial - Miscellaneous Services sector have probably already heard of Bread Financial Holdings (BFH) and HA Sustainable Infrastructure Capital (HASI). But which of these two stocks presents investors with the better value opportunity right now?
Bread Financial offers robust consumer lending, boasting a long track record of positive net income—even through recessionary cycles. BFH funds itself primarily through low-cost deposits, maintaining a Tier 1 capital ratio near 14% and BB credit ratings. Series B Preferred Shares yield 8.9% (stripped), compensating for recession-driven risks in the consumer lending sector.
Bread Financial® to continue as issuer for the NFL Extra Points Credit Card program, with majority of clubs transitioning to the American Express Network
COLUMBUS, Ohio, Aug. 17, 2026 (GLOBE NEWSWIRE) -- Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions to millions of U.S. consumers, provided a performance update. The following tables present the Company's Net principal loss rate and Delinquency rate for the periods indicated: For the For the month ended month ended July 31, 2026 July 31, 2025 (dollars in millions) End-of-period credit card and other loans $ 18,543 $ 17,594 Average credit card and other loans $ 18,449 $ 17,585 Year-over-year change in average credit card and other loans 4.9 % — % Net principal losses $ 106 $ 114 Net principal loss rate 6.80 % 7.63 % As of As of July 31, 2026 July 31, 2025 (dollars in millions) 30 days + delinquencies – principal $ 876 $ 931 Period ended credit card and other loans – principal $ 16,378 $ 15,983 Delinquency rate 5.35 % 5.82 % About Bread Financial ® Bread Financial ® (NYSE: BFH) is a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions to millions of U.S. consumers.
Bread Financial offers compelling income opportunities through its Series A preferred shares, currently yielding 8.6%. BFH's robust net interest margin of 18.5% and high asset yields are supported by strong deposit and loan growth. Deposit growth outpaces loans, reducing reliance on external financing and improving the loan-to-deposit ratio to 111%.
Bread Financial's Q2 benefited from higher credit sales, loan growth and improved credit quality, driving earnings and revenue above estimates.
Bread Financial NYSE: BFH reported stronger second-quarter 2026 results, citing higher credit sales, loan and deposit growth, increased revenue and improved credit performance, while also raising parts of its full-year outlook.
While the top- and bottom-line numbers for Bread Financial (BFH) give a sense of how the business performed in the quarter ended June 2026, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.
Bread Financial Holdings (BFH) came out with quarterly earnings of $3.55 per share, beating the Zacks Consensus Estimate of $2.52 per share. This compares to earnings of $3.14 per share a year ago.
COLUMBUS, Ohio, July 23, 2026 (GLOBE NEWSWIRE) -- Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions to millions of U.S. consumers, provided a performance update. The following tables present the Company's Net principal loss rate and Delinquency rate for the periods indicated:
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