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101.71 USD
P/E
7.30
EPS
12.25
Yield
0.88%
Safety Score
92
P/B
1.11
ROE
17.52
Beta
1.15
Target Price
96.19 USD
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Key Metrics
Earnings dateJuly 23, 2026
P/E7.30
EPS12.25
Book Value80.51
Price to Book1.11
% Insiders1.479%
Growth
Revenue Growth0.06%
Earnings Growth0.49%
Estimates
Forward P/E7.26
Forward EPS12.31
Target Mean Price96.19
Dividend
Dividend Yield0.88%
Annual dividends0.90 USD
Ex-Div. DateMay 29, 2026
Payout7.84%
5y avg Yield2.28%

DCF Valuation

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DCF Result

Fair Value (DCF)
Current Price
Upside
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Terminal PV
Σ PV of FCFs
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Bread Financial Holdings Inc. Common Stock Logo Bread Financial Holdings Inc. Common Stock Analysis (BFH)

United States Financials Official Website Stock

Is Bread Financial Holdings Inc. Common Stock a good investment? Bread Financial Holdings Inc. Common Stock (BFH) is currently trading at 101.71 USD. Market analysts have a consensus price target of 96.19 USD. This suggests the asset is currently trading above analyst expectations.

In terms of valuation, the stock trades at a P/E ratio of 7.30. This relatively low multiple may signal that Bread Financial Holdings Inc. Common Stock is undervalued compared to historical market norms.

Earnings Schedule: Bread Financial Holdings Inc. Common Stock is expected to release its next earnings report on July 23, 2026. The market consensus estimate for Forward EPS is 12.31.

For income investors, Bread Financial Holdings Inc. Common Stock pays a dividend yield of 0.88%. With a payout ratio of 8%, the dividend appears sustainable.

Investor FAQ

Does Bread Financial Holdings Inc. Common Stock pay a dividend?

Yes, it pays an annual dividend of 0.90 USD (0.88% yield).

What asset class is Bread Financial Holdings Inc. Common Stock?

Bread Financial Holdings Inc. Common Stock is classified as a Stock. You can compare it against 2 other assets in the "Related Symbols" list on this page.

When is the next earnings date?

The next earnings date is projected to be July 23, 2026. The company currently has a trailing EPS of 12.25.

Company Profile

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.

Exchange Ticker
NYQ (United States) ADS
ASE (United States) BFH
Trades
Dividend Yield
0.88%
5y avg 2.28%
Annual Dividends
0.90USD
Next Ex. Div Date
May 29, 2026
Payout Ratio
7.84%
Dividend History paid per year (USD)
Historical Dividends
Year Total Dividends
2027
0.25 USD
March 17, 2027 (estimated) 0.2494
2026
0.93 USD
Dec. 16, 2026 (estimated) 0.2445
Sept. 21, 2026 (estimated) 0.2233
June 15, 2026 0.2300
March 16, 2026 0.2300
2025
0.86 USD
Dec. 12, 2025 0.2300
Sept. 12, 2025 0.2100
June 13, 2025 0.2100
March 21, 2025 0.2100
2024
0.84 USD
Dec. 13, 2024 0.2100
Sept. 13, 2024 0.2100
June 14, 2024 0.2100
March 15, 2024 0.2100
2023
0.84 USD
Dec. 15, 2023 0.2100
Sept. 15, 2023 0.2100
June 16, 2023 0.2100
March 17, 2023 0.2100
2022
0.84 USD
Dec. 16, 2022 0.2100
Sept. 16, 2022 0.2100
June 17, 2022 0.2100
March 18, 2022 0.2100
2021
0.71 USD
Dec. 17, 2021 0.2100
Sept. 17, 2021 0.1676
June 18, 2021 0.1676
March 18, 2021 0.1676
2020
1.01 USD
Dec. 18, 2020 0.1676
Sept. 18, 2020 0.1676
June 18, 2020 0.1676
March 19, 2020 0.5028
2019
2.01 USD
Dec. 17, 2019 0.5028
Sept. 26, 2019 0.5028
June 18, 2019 0.5028
March 19, 2019 0.5028
2018
1.82 USD
Dec. 19, 2018 0.4549
Sept. 19, 2018 0.4549
June 19, 2018 0.4549
March 20, 2018 0.4549
2017
1.66 USD
Dec. 19, 2017 0.4150
Sept. 19, 2017 0.4150
June 19, 2017 0.4150
March 17, 2017 0.4150
2016
0.42 USD
Dec. 16, 2016 0.4150
Upcoming Dividends
Name Payment Date Status Amount
Bread Financial Holdings Inc. Common Stock Jun 15, 2026 Upcoming 0.23 USD
Bread Financial Holdings Inc. Common Stock Mar 16, 2026 0.23 USD
Bread Financial Holdings Inc. Common Stock Dec 12, 2025 0.23 USD
Bread Financial Holdings Inc. Common Stock Sep 12, 2025 0.21 USD
Stock Splits
Split Date Split Ratio to 1
Nov. 8, 2021 1.250000
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