stock
Bread Financial Holdings Inc
NYSE | BFH
63.95
USD
+$0.00
(+0.00%
)At Close (As of Nov 5, 2025)
$2.85B
Market Cap
6.33
P/E Ratio
9.88
EPS
$68.01
52 Week High
$37.90
52 Week Low
FINANCIAL SERVICES
Sector
BFH Chart
Recent Chart
Price Action
BFH Technicals
BFH Earnings
Yearly Income Statement (As of Dec 31, 2024)
| Field | Value (USD) |
|---|---|
| Gross Profit | $2.4B |
| Total Revenue | $3.8B |
| Cost Of Revenue | $1.4B |
| Costof Goods And Services Sold | $1.4B |
| Operating Income | $279M |
| Selling General And Administrative | $897M |
| Research And Development | - |
| Operating Expenses | $3.8B |
| Investment Income Net | - |
| Net Interest Income | $4.1B |
| Interest Income | $5B |
| Interest Expense | $960M |
| Non Interest Income | - |
| Other Non Operating Income | - |
| Depreciation | - |
| Depreciation And Amortization | $90M |
| Income Before Tax | $381M |
| Income Tax Expense | $102M |
| Interest And Debt Expense | - |
| Net Income From Continuing Operations | $279M |
| Comprehensive Income Net Of Tax | - |
| Ebit | $1.3B |
| Ebitda | $1.4B |
| Net Income | $277M |
Revenue & Profitability
Earnings Performance
BFH Financials
yearly Balance Sheet (As of Dec 31, 2024)
| Field | Value (USD) |
|---|---|
| Total Assets | $23B |
| Total Current Assets | $3.7B |
| Cash And Cash Equivalents At Carrying Value | $3.7B |
| Cash And Short Term Investments | $3.7B |
| Inventory | - |
| Current Net Receivables | $145M |
| Total Non Current Assets | $888M |
| Property Plant Equipment | $229M |
| Accumulated Depreciation Amortization Ppe | - |
| Intangible Assets | $112M |
| Intangible Assets Excluding Goodwill | $112M |
| Goodwill | $634M |
| Investments | - |
| Long Term Investments | $266M |
| Short Term Investments | $170M |
| Other Current Assets | -$315M |
| Other Non Current Assets | - |
| Total Liabilities | $20B |
| Total Current Liabilities | $8.6B |
| Current Accounts Payable | $326M |
| Deferred Revenue | - |
| Current Debt | - |
| Short Term Debt | $3.2B |
| Total Non Current Liabilities | $5.7B |
| Capital Lease Obligations | $128M |
| Long Term Debt | $5.6B |
| Current Long Term Debt | $0 |
| Long Term Debt Noncurrent | - |
| Short Long Term Debt Total | $5.7B |
| Other Current Liabilities | $4.7B |
| Other Non Current Liabilities | - |
| Total Shareholder Equity | $3.1B |
| Treasury Stock | - |
| Retained Earnings | $999M |
| Common Stock | $1M |
| Common Stock Shares Outstanding | $50M |
yearly Cash Flow (As of Dec 31, 2024)
| Field | Value (USD) |
|---|---|
| Operating Cashflow | $1.9B |
| Payments For Operating Activities | - |
| Proceeds From Operating Activities | - |
| Change In Operating Liabilities | - |
| Change In Operating Assets | - |
| Depreciation Depletion And Amortization | $90M |
| Capital Expenditures | $36M |
| Change In Receivables | - |
| Change In Inventory | - |
| Profit Loss | - |
| Cashflow From Investment | -$1.2B |
| Cashflow From Financing | -$592M |
| Proceeds From Repayments Of Short Term Debt | - |
| Payments For Repurchase Of Common Stock | - |
| Payments For Repurchase Of Equity | - |
| Payments For Repurchase Of Preferred Stock | - |
| Dividend Payout | $43M |
| Dividend Payout Common Stock | $43M |
| Dividend Payout Preferred Stock | - |
| Proceeds From Issuance Of Common Stock | - |
| Proceeds From Issuance Of Long Term Debt And Capital Securities Net | - |
| Proceeds From Issuance Of Preferred Stock | - |
| Proceeds From Repurchase Of Equity | -$55M |
| Proceeds From Sale Of Treasury Stock | - |
| Change In Cash And Cash Equivalents | - |
| Change In Exchange Rate | - |
| Net Income | $277M |
yearly Income Statement (As of Dec 31, 2024)
| Field | Value (USD) |
|---|---|
| Gross Profit | $2.4B |
| Total Revenue | $3.8B |
| Cost Of Revenue | $1.4B |
| Costof Goods And Services Sold | $1.4B |
| Operating Income | $279M |
| Selling General And Administrative | $897M |
| Research And Development | - |
| Operating Expenses | $3.8B |
| Investment Income Net | - |
| Net Interest Income | $4.1B |
| Interest Income | $5B |
| Interest Expense | $960M |
| Non Interest Income | - |
| Other Non Operating Income | - |
| Depreciation | - |
| Depreciation And Amortization | $90M |
| Income Before Tax | $381M |
| Income Tax Expense | $102M |
| Interest And Debt Expense | - |
| Net Income From Continuing Operations | $279M |
| Comprehensive Income Net Of Tax | - |
| Ebit | $1.3B |
| Ebitda | $1.4B |
| Net Income | $277M |
Dividends
| Field | Value |
|---|---|
| Ex Dividend Date | 2025-11-07 |
| Declaration Date | 2025-10-23 |
| Record Date | 2025-11-07 |
| Payment Date | 2025-12-12 |
| Amount | 0.23 |
BFH News
BFH Profile
Bread Financial Holdings Inc Profile
Sector: FINANCIAL SERVICES
Industry: CREDIT SERVICES
Bread Financial Holdings Inc. is a leading provider of cutting-edge lending and payment technology solutions, catering primarily to customers in consumer-oriented industries throughout North America. Based in Columbus, Ohio, the company emphasizes innovative approaches to enhance consumer financing and streamline payment experiences, thereby driving growth for its partners. With a robust focus on digital transformation and customer-centric strategies, Bread Financial is strategically positioned to thrive in the dynamic financial services sector and capitalize on emerging market trends.
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