Is Bread Financial Holdings (BFH) overvalued or fairly valued?

MarketChacha shows Bread Financial Holdings's valuation in context — a trailing P/E of about 7.4, a forward P/E of about 8.1, a price-to-book of about 1.2 — alongside its revenue and profit growth and whether reported profit converts into operating cash, so you can judge value for yourself. MarketChacha does not issue ratings, price targets, or buy/sell advice.

Does Bread Financial Holdings's reported profit turn into cash?

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash. MarketChacha computes this cash-conversion check (3.92×) from reported figures — education, not a rating.

What is the share price of Bread Financial Holdings (BFH)?

Bread Financial Holdings last traded at $108.41 (+0.1% on the day), as of 8/10/2026 — a delayed quote shown for education, not investment advice.

Bread Financial Holdings

BFH · NYSE · Financials · United States

Snapshot

TickerBFH

ExchangeNYSE

SectorFinancials

IndustryCredit Services

CountryUnited States

Employees6,000

HeadquartersColumbus, United States

Websitewww.breadfinancial.com

Filings tracked25

About Bread Financial Holdings

Bread Financial Holdings, Inc. provides tech-forward payment and lending solutions to customers and consumer-based industries in North America. It offers credit card and other loans financing services, including risk management solutions, underwriting, and funding services for private label and co-brand credit card programs, as well as through Bread Pay partnerships. The company also manages and services the loans it originates for private label, co-brand, and general-purpose credit card programs, and installment loans and split-pay products; and provides marketing, and data and analytics services. In addition, it offers an enhanced digital suite that includes a unified software development kit, which provides access to its suite of products, as well as promotes credit payment options earlier in the shopping experience. Further, the company through Bread Pay, a digital payments platform and robust suite of application programming interfaces allows merchants and partners to integrate online point-of-sale financing and other digital payment products. Additionally, it offers retail and deposit products, primarily in the form of certificates of deposit and high-yield savings accounts, including traditional and Roth Individual Retirement Accounts. The company offers its products under the Bread, Bread Financial, Bread Cashback, Bread Rewards, Bread Pay, and Bread Savings brands. The company was formerly known as Alliance Data Systems Corporation and changed its name to Bread Financial Holdings, Inc. in March 2022. Bread Financial Holdings, Inc. was incorporated in 1995 and is headquartered in Columbus, Ohio.

Who owns it

Insiders1.4%
Institutions98.6%
Public & other0.0%

548 institutional holders

Ownership breakdown from public market data.

Top holders

Blackrock Inc.10.12%
Dimensional Fund Advisors LP8.03%
Vanguard Portfolio Management LLC7.17%
Turtle Creek Asset Management Inc.6.33%
Vanguard Capital Management LLC4.87%
State Street Corporation4.38%
American Century Companies Inc4.25%
Allianz Asset Management GmbH3.51%

Largest institutional holders — last updated 6/30/2026.

Forensic scorecard

No major accounting red flags in the fundamentals we have — profit is backed by cash and returns look healthy.

Cash conversion3.92×

Over 3 years, operating cash flow fully covered reported profit — earnings are backed by real cash.

Return on equity15.6%

Latest ROE of 15.6% — capital is generating a healthy return.

Computed by MarketChacha from reported figures (SEC XBRL). Education, not a rating or recommendation.

What's expected next

Next quarter

Rev $984.7M · EPS 1.23

Est. earnings growth -40.6%

Next fiscal year

Rev $4.2B · EPS 13.37

Est. earnings growth +9.4%

Analyst consensus estimates — not the company's own guidance.

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P/E ROE ROCE Margins Market cap

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Financials at a glance

Source: SEC XBRL

Annual

Quarterly · last 8

ROE

15.6%

Profit CAGR (2y)

-15.1%

EPS (FY2025)

10.89

Net profit (FY2025)

$518.0M

Ask MarketChacha about BFH

Get a cited, plain-English answer — the “why”, not just data. Finance research only, never buy/sell advice.

Financials

Yearly

Period	Net profit	EPS	ROE
FY2025	$518.0M	10.89	15.6%
FY2024	$277.0M	5.49	9.1%
FY2023	$718.0M	14.34	24.6%

Quarterly

Period	Net profit	EPS
2026Q2	$146.0M	3.55
2026Q1	$181.0M	4.15
2025Q3	$188.0M	3.96
2025Q2	$139.0M	2.94
2025Q1	$138.0M	2.78
2024Q3	$2.0M	0.05
2024Q2	$133.0M	2.66
2024Q1	$134.0M	2.70
2023Q3	$171.0M	3.42
2023Q2	$48.0M	0.95
2023Q1	$455.0M	9.08

Figures as reported, in reporting currency. Source: SEC XBRL.

Filings & announcements

2026

10-Q filing
SEC7/28/2026
8-K — Results of operations, Reg FD disclosure, Other events, Exhibits
SEC7/23/2026material
8-K — Reg FD disclosure, Exhibits
SEC7/23/2026material
8-K — Executive/director change, Reg FD disclosure, Exhibits
SEC7/14/2026material
8-K — Reg FD disclosure, Exhibits
SEC6/10/2026material
8-K — Shareholder vote results, Exhibits
SEC5/22/2026material
8-K — Reg FD disclosure, Exhibits
SEC5/15/2026material
8-K — Security holder rights, Bylaw/charter change, Other events, Exhibits
SEC5/12/2026material
8-K — Other events, Exhibits
SEC5/6/2026material
8-K — Other events, Exhibits
SEC5/5/2026material
10-Q filing
SEC4/28/2026
8-K — Results of operations, Reg FD disclosure, Other events, Exhibits
SEC4/23/2026material
8-K — Reg FD disclosure, Exhibits
SEC4/23/2026material
8-K — Reg FD disclosure, Exhibits
SEC3/11/2026material
8-K — Reg FD disclosure, Exhibits
SEC2/26/2026material
8-K — Material agreement, Termination of agreement
SEC2/18/2026material
10-K filing
SEC2/13/2026
8-K — Reg FD disclosure, Exhibits
SEC2/10/2026material
8-K — Results of operations, Reg FD disclosure, Other events, Exhibits
SEC1/29/2026material
8-K — Reg FD disclosure, Exhibits
SEC1/29/2026material

2025

8-K — Reg FD disclosure, Exhibits
SEC12/10/2025material
8-K — Security holder rights, Bylaw/charter change, Other events, Exhibits
SEC11/25/2025material
8-K — Other events, Exhibits
SEC11/21/2025material
8-K — Other events, Exhibits
SEC11/20/2025material
8-K — Reg FD disclosure, Exhibits
SEC11/13/2025material

In the news

Education and discussion only — not investment advice. Financials from official filings (SEC/BSE) and reported company statements; market figures (delayed market data) are delayed and shown for reference only. Verify with the linked sources before acting.