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BREAD FINANCIAL HOLDINGS, INC. (BFH)

97.75USD -2.32% (-2.32)

Over 5Y: +33.8%

Style
Area Line Line with markersshows 1Y Steps Candlesshows 6M Hollow candlesshows 6M Barsshows 6M

Candles and bars need the day’s open, high and low, and need room to be drawn in: past about a year of trading a body is thinner than a hairline, so those three offer the longest window that fits instead.

50 100
2022 2023 2024 2025 2026

Financials Quarterly

Figures
Revenue Gross Profit Operating Income Cost of Revenue Operating Cash Flow Free Cash Flow Net Income

A share count and earnings a share are not here: neither is money, so neither can share this axis. Both have their own panel on All charts.

All charts ›

BREAD FINANCIAL HOLDINGS, INC. reported revenue of 993M USD for the quarter ending 30 June 2026, up 6.9% from 929M a year earlier. Every figure, period by period ›

Q3 '21 — Revenue: 851M Q3 '21 — Operating Cash Flow: 475M Q3 '21 — Free Cash Flow: 451M Q3 '21 — Net Income: 224M Q4 '21 — Revenue: 856M Q4 '21 — Operating Cash Flow: 335M Q4 '21 — Free Cash Flow: 310M Q4 '21 — Net Income: 18M Q1 '22 — Revenue: 921M Q1 '22 — Operating Cash Flow: 497M Q1 '22 — Free Cash Flow: 477M Q1 '22 — Net Income: 210M Q2 '22 — Revenue: 893M Q2 '22 — Operating Cash Flow: 246M Q2 '22 — Free Cash Flow: 223M Q2 '22 — Net Income: 12M Q3 '22 — Revenue: 979M Q3 '22 — Operating Cash Flow: 608M Q3 '22 — Free Cash Flow: 598M Q3 '22 — Net Income: 134M Q4 '22 — Revenue: 1B Q4 '22 — Operating Cash Flow: 497M Q4 '22 — Free Cash Flow: 482M Q1 '23 — Revenue: 1.3B Q1 '23 — Operating Cash Flow: 398M Q1 '23 — Net Income: 455M Q2 '23 — Revenue: 952M Q2 '23 — Operating Cash Flow: 343M Q2 '23 — Net Income: 48M Q3 '23 — Revenue: 1B Q3 '23 — Operating Cash Flow: 629M Q3 '23 — Net Income: 171M Q4 '23 — Revenue: 1B Q4 '23 — Operating Cash Flow: 617M Q4 '23 — Net Income: 43M Q1 '24 — Revenue: 991M Q1 '24 — Operating Cash Flow: 447M Q1 '24 — Net Income: 134M Q2 '24 — Revenue: 939M Q2 '24 — Operating Cash Flow: 477M Q2 '24 — Net Income: 133M Q3 '24 — Revenue: 983M Q3 '24 — Operating Cash Flow: 456M Q3 '24 — Net Income: 2M Q4 '24 — Revenue: 925M Q4 '24 — Operating Cash Flow: 479M Q4 '24 — Net Income: 7M Q1 '25 — Revenue: 970M Q1 '25 — Operating Cash Flow: 393M Q1 '25 — Net Income: 138M Q2 '25 — Revenue: 929M Q2 '25 — Operating Cash Flow: 526M Q2 '25 — Net Income: 139M Q3 '25 — Revenue: 971M Q3 '25 — Operating Cash Flow: 605M Q3 '25 — Net Income: 188M Q4 '25 — Revenue: 975M Q4 '25 — Operating Cash Flow: 568M Q4 '25 — Net Income: 54M Q1 '26 — Revenue: 1B Q1 '26 — Operating Cash Flow: 487M Q1 '26 — Net Income: 181M Q2 '26 — Revenue: 993M Q2 '26 — Operating Cash Flow: 533M Q2 '26 — Net Income: 146M 0 300M 600M 900M 1.2B 1.5B
Q4 '21 Q3 '22 Q2 '23 Q1 '24 Q4 '24 Q3 '25 Q2 '26
Revenue Operating Cash Flow Free Cash Flow Net Income

How it scores

For a valuation multiple, the low end is the good end.

Quality

How much of the revenue is really kept — and what did it take to earn it?

6.8
Accruals -7.2%
FCF margin 55.4%
OCF margin 55.4%
OE margin 53.9%
SBC / sales 1.5%
Profit margin 14.4%
ROE 16.9%
ROA 2.5%
Asset turnover 0.18×

9 of 19 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Valuation

What does the price ask for what the company earns, owns and pays out?

9.5
EV/OE 2.1×
FCF yield 57.1%
P/C 1.0×
P/E 6.8×
Shareholder yield 15.5%
P/B 1.1×
Fwd P/E 8.2×
Div. yield 0.99%
EV/Sales 1.1×

8 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Durability

How predictable is the revenue, and how much of it is already committed?

5.1
Cash-flow margin stability 4.0 pp
Prepaid revenue growth 10.6%
Revenue growth in the worst year on record -10.5%

3 of 7 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Resilience

Can the balance sheet absorb a bad year?

6.3
F-score 9.0 pts
Debt payback 0.27 yr
Payout 6.7%
Net debt / Eq 0.18×
Cash / Debt 0.86×
Retained / assets 7.9%
Debt / Eq 1.3×
ND/EBITDA -0.13
Equity / Assets 15.0%

9 of 13 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Growth

Is the business getting bigger, and is it getting more profitable?

3.4
EPS Y/Y +110.7%
Shares change -5.6%
Sales/sh Y/Y +10.1%
Sales Q/Q +6.9%
Sales CAGR 4Y +4.1%
Div. growth -7.0%
EPS CAGR 4Y -9.2%
EPS next Y -9.7%

8 of 13 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

A measure absent from a block could not be computed from this company's filings. It is left out rather than scored as though it were bad, and the dimension is averaged over what remains. A score is measured against a fixed scale this model states; the bar is measured against the other companies, so the two can disagree — and where they do, that disagreement is the more interesting figure.

Companies of a similar size

The nearest by market value among the companies read here whose shares are quoted in USD. Size alone: nothing here says they are in the same business.

KRC KILROY REALTY CORP3.98B BATRB ATLANTA BRAVES HOLDINGS, INC.3.98B WSFS WSFS FINANCIAL CORPORATION3.97B SKYW SKYWEST INC3.97B MDU MDU RESOURCES GROUP INC3.95B ERO ERO COPPER CORP3.95B CAAP CORPORACION AMERICA AIRPORTS S.A.3.95B SUNC SUNOCOCORP LLC3.93B