BFH — Bread Financial Holdings Inc. price, chart and key statistics

Price data

Price

$102.56

YTD price return

+38.54%

YTD total return

+39.61%

Next earnings

Oct 22, 2026 · Before open

Market cap

3.9B2016-12 10.5B2026-10 3.9B-62.5% over the window

Enterprise value

4.6B

Shares outstanding

38.4M2016-06 58.5M2026-06 38.4M-34.4% over the window

52W low

$57.11

52W high

$114.53

From 52W high

-10.45%

From 52W low

+79.58%

52W range

79%

Volume

Rel volume

1.01×

30D volume

585.9K

30D $ vol

60.5M

Fundamentals

EPS (ttm)

$12.822016-06 $8.022026-06 $12.82+59.9% over the window

FCF (ttm)

2B2015-12 1.6B2022-12 1.8B+13.5% over the window

FCF/share

$52.682015-12 $26.462022-12 $35.52+34.2% over the window

Book value/share

$87.592016-06 $29.552026-06 $87.59+196.4% over the window

ROE

16.91%2016-06 35.3%2026-06 16.9%-52.1% over the window

ROA

2.53%2016-06 2.7%2026-06 2.5%-5.4% over the window

Debt / equity

1.28×2015-12 2.522025-12 1.29-48.6% over the window

Growth (CAGR, ttm) · 10Y

Sales

+16.94%2021-12-31 → 2022-12-313.3B → 3.8B (+16.9% total)-11.82%2019-12-31 → 2022-12-315.6B → 3.8B (-31.4% total)-6.92%2017-12-31 → 2022-12-315.5B → 3.8B (-30.1% total)n/a

Net income

+99.04%2025-06-30 → 2026-06-30286M → 569M (+99.0% total)+4.19%2023-06-30 → 2026-06-30503M → 569M (+13.1% total)-4.20%2021-06-30 → 2026-06-30705.3M → 569M (-19.3% total)-0.70%2016-06-30 → 2026-06-30610.1M → 569M (-6.7% total)

FCF

+22.02%2021-12-31 → 2022-12-311.5B → 1.8B (+22.0% total)+18.26%2019-12-31 → 2022-12-311.1B → 1.8B (+65.4% total)-5.59%2017-12-31 → 2022-12-312.4B → 1.8B (-25.0% total)n/a

Shares

-17.64%2025-06-30 → 2026-06-3046.6M → 38.4M (-17.6% total)-8.54%2023-06-30 → 2026-06-3050.2M → 38.4M (-23.5% total)-5.04%2021-06-30 → 2026-06-3049.8M → 38.4M (-22.8% total)-4.12%2016-06-30 → 2026-06-3058.5M → 38.4M (-34.4% total)

Per-share growth (CAGR, ttm) · 10Y

EPS

+122.61%2025-06-30 → 2026-06-30$5.76 → $12.82 (+122.5% total)+8.48%2023-06-30 → 2026-06-30$10.04 → $12.82 (+27.7% total)-2.09%2021-06-30 → 2026-06-30$14.25 → $12.82 (-10.0% total)+4.81%2016-06-30 → 2026-06-30$8.02 → $12.82 (+59.9% total)

Sales/share

+16.55%2021-12-31 → 2022-12-31$65.51 → $76.34 (+16.5% total)-13.31%2019-12-31 → 2022-12-31$117.19 → $76.34 (-34.9% total)-5.01%2017-12-31 → 2022-12-31$98.71 → $76.34 (-22.7% total)n/a

FCF/share

+21.61%2021-12-31 → 2022-12-31$29.21 → $35.52 (+21.6% total)+16.27%2019-12-31 → 2022-12-31$22.59 → $35.52 (+57.2% total)-3.66%2017-12-31 → 2022-12-31$42.80 → $35.52 (-17.0% total)n/a

Book value/share

+29.06%2025-06-30 → 2026-06-30$67.88 → $87.59 (+29.0% total)+17.15%2023-06-30 → 2026-06-30$54.48 → $87.59 (+60.8% total)+16.31%2021-06-30 → 2026-06-30$41.16 → $87.59 (+112.8% total)+11.48%2016-06-30 → 2026-06-30$29.55 → $87.59 (+196.4% total)

Dividend/share

+7.15%2025-06-30 → 2026-06-30$0.84 → $0.90 (+7.1% total)+2.33%2023-06-30 → 2026-06-30$0.84 → $0.90 (+7.1% total)+1.39%2021-06-30 → 2026-06-30$0.84 → $0.90 (+7.1% total)+5.95%2016-12-31 → 2026-06-30$0.52 → $0.90 (+73.1% total)

Price

+78.09%2025-10-16 → 2026-10-16$57.61 → $102.56 (+78.0% total)Price appreciation from split-adjusted daily closes, excluding dividends; endpoints are exact trading-day anniversaries of the latest close.+49.61%2023-10-16 → 2026-10-16$30.62 → $102.56 (+234.9% total)Price appreciation from split-adjusted daily closes, excluding dividends; endpoints are exact trading-day anniversaries of the latest close.+5.16%2021-10-15 → 2026-10-16$79.74 → $102.56 (+28.6% total)Price appreciation from split-adjusted daily closes, excluding dividends; endpoints are exact trading-day anniversaries of the latest close.-4.78%2016-10-14 → 2026-10-16$167.41 → $102.56 (-38.7% total)Price appreciation from split-adjusted daily closes, excluding dividends; endpoints are exact trading-day anniversaries of the latest close.

Total return

+80.12%2025-10-16 → 2026-10-16$56.96 → $102.56 (+80.0% total)Total return with dividends reinvested (adjusted daily closes); endpoints are exact trading-day anniversaries of the latest close. The gap against the Price row is the dividend contribution.+52.09%2023-10-16 → 2026-10-16$29.14 → $102.56 (+251.9% total)Total return with dividends reinvested (adjusted daily closes); endpoints are exact trading-day anniversaries of the latest close. The gap against the Price row is the dividend contribution.+7.03%2021-10-15 → 2026-10-16$73.00 → $102.56 (+40.5% total)Total return with dividends reinvested (adjusted daily closes); endpoints are exact trading-day anniversaries of the latest close. The gap against the Price row is the dividend contribution.-3.30%2016-10-14 → 2026-10-16$143.48 → $102.56 (-28.5% total)Total return with dividends reinvested (adjusted daily closes); endpoints are exact trading-day anniversaries of the latest close. The gap against the Price row is the dividend contribution.

Fundamentals end at the last reported quarter; price and total return end at the latest close.

Valuation

P/E (ttm)Price ÷ TTM diluted EPS. Net income carries everything below the operating line, including one-off gains. Negative when the trailing year lost money.

8.0×2016-12 15.332026-10 6.93-54.8% over the window

P/OI (ttm)Price ÷ TTM operating income. Excludes the below-the-line items that make P/E jump — mark-to-market gains, settlements, tax true-ups.

2.4×2016-12 7.262026-10 2.44-66.4% over the window

Fwd P/E

7.3×

P/B (mrq)Market cap ÷ stockholders' equity at the most recent quarter end.

1.2×2016-12 5.902026-10 1.17-80.1% over the window

P/FCF (ttm)Market cap ÷ TTM free cash flow (operating cash flow − capex).

1.9×2016-12 6.722026-10 2.22-67.0% over the window

EV/EBITDA (fy)

12.1×

FCF yield (ttm)TTM free cash flow ÷ market cap — the inverse of P/FCF.

51.37%2016-12 18.2%2022-12 94.8%+420.1% over the window

Dividend yield (fwd)Indicated annual dividend ÷ last close: the last regular payment × payments a year, from our own dividend record. Shown only for a company that pays the same amount each time (raises and cuts allowed), whose payments are on schedule and agree with the dividends it reports paying; a company whose payments vary in size, such as an unequal interim and final, has no forward figure — see the ttm yield.

0.90%

Dividend yield (ttm)Dividends paid over the last year ÷ last close: the last full cycle of regular payments in our own dividend record. Below the forward yield after a raise, above it after a cut. Shown only when the record holds that full cycle and it agrees with the dividends the company reports paying; otherwise —.

0.90%

Dividend/share (fwd)The indicated annual dividend: the last regular payment × payments a year, for a company that pays the same amount each time.

$0.92

Buyback yield (realized, 1y)1 − shares_at(2026-06-30) ÷ shares_at(2025-06-30) = 1 − 38.4M ÷ 46.6M. Point-in-time share counts from the company's own SEC filings (the same count at both ends), published only when the cash flow statement shows repurchases inside that window. A falling price can't inflate it; negative means net dilution.

17.64%

Shareholder yield (realized, 1y)Buyback leg + dividend leg: shares retired over the year (17.64%) + dividends paid over that year ($39M) ÷ market_cap_at(2025-06-30) ($2.7B). Both legs are measured against the start of the window, so a payout can't shrink its own denominator.

19.11%

Buyback yield (cash, ttm)Buybacks net of issuance over the trailing twelve months ($559M) ÷ today's market cap ($3.9B). Dollars SPENT over what the company is worth NOW — a stock that fell after buying reads high.

14.19%2016-09 7.4%2026-06 13.4%+81.7% over the window

Shareholder yield (cash, ttm)(TTM buybacks net of issuance $559M + TTM dividends $39M) ÷ today's market cap ($3.9B). Same caveat as the cash buyback yield.

15.18%2016-09 7.4%2026-06 14.4%+94.4% over the window

Vs own 10Y history

P/E

43rd

P/OI

55th

P/S

67th

P/B

43rd

P/FCF

56th