BREAD FINANCIAL HOLDINGS, INC. (BFH)

86.59 0.77 (0.9%)

As of 2026-05-22 14:59:46 EST

Bread Financial Holdings, Inc. is an American publicly traded provider of private label credit cards, coalition loyalty programs, and direct marketing, derived from the capture and analysis of transaction-rich data.

Traded asNYSE: BFH
ISINUS0185811082
CIK0001101215
LEI549300G8S4PO686J7H97
EIN311429215
Sector—
IndustryPersonal Credit Institutions
CEORalph Andretta
Employees6,000
Fiscal Year End1231
Address3095 LOYALTY CIRCLE, COLUMBUS, OH, 43219
Phone6147294000
Websitehttp://breadfinancial.com
Stock Quotes
trading_symbolregistrant_nametimepricechangepercentage_change
BFHBREAD FINANCIAL HOLDINGS, INC.2026-05-22 14:59:4686.590.770.9
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Company Information
trading_symbolcentral_index_keyregistrant_nameisin_numberlei_numberein_numberexchangesic_codesic_descriptionfiscal_year_endstate_of_incorporationaddress_streetaddress_cityaddress_stateaddress_zip_codeaddress_countryaddress_country_codephone_numbermailing_addressbusiness_addressformer_nameindustryfounding_datechief_executive_officernumber_of_employeeswebsitemarket_capshares_issuedshares_outstandingdescriptionupdate_time
BFH0001101215BREAD FINANCIAL HOLDINGS, INC.US0185811082549300G8S4PO686J7H97311429215NYSE6141Personal Credit Institutions1231DE3095 LOYALTY CIRCLECOLUMBUSOH43219UNITED STATESUS61472940003095 LOYALTY CIRCLE, COLUMBUS, OH, 432193095 LOYALTY CIRCLE, COLUMBUS, OH, 43219ALLIANCE DATA SYSTEMS CORP—1983-04-22Ralph Andretta6,000http://breadfinancial.com2,700,000,00041,300,00040,407,065Bread Financial Holdings, Inc. is an American publicly traded provider of private label credit cards, coalition loyalty programs, and direct marketing, derived from the capture and analysis of transaction-rich data.2026-05-21 16:32:41
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BFH Stock Price (End-of-Day)
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BFH Stock Price (1-Minute)
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Market Cap
Fiscal YearMarket CapChange In Market CapPercentage Change In Market CapShares OutstandingChange In Shares OutstandingPercentage Change In Shares Outstanding
20252,700,000,000500,000,00022.727343,115,116-5,977,240-12.1755
20242,200,000,000600,000,00037.549,092,356-331,891-0.6715
20231,600,000,000-200,000,000-11.111149,424,247-691,174-1.3792
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Executive Compensation
Executive NameExecutive PositionFiscal YearSalaryBonusStock AwardsIncentive Plan CompensationOther CompensationTotal Compensation
Allegra S. DriscollChief Technology Officer, EVP2025642,077550,0001,203,3791,425,81962,2693,883,544
Valerie E. GreerChief Commercial Officer, EVP2025697,30801,805,0371,651,073118,4434,271,861
Perry S. BebermanChief Financial Officer, EVP2025697,30801,805,0371,651,073146,1884,299,606
Ralph J. AndrettaChief Executive Officer, President20251,196,53907,019,3693,430,800274,52311,921,231
Joseph L. MotesSecretary, EVP2025678,46201,433,9571,506,693117,3673,736,479
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Employee Count
Fiscal YearEmployee Count
20256,000
20246,000
20237,000
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Income Statements
Fiscal Year202520242023
Revenue———
Cost Of Revenue———
Gross Profit———
Research And Development Expenses———
General And Administrative Expenses———
Operating Expenses———
Operating Income4,912,000,0005,024,000,0005,145,000,000
Net Income518,000,000277,000,000718,000,000
Earnings Per Share Basic11.075.5814.39
Earnings Per Share Diluted10.895.4914.34
Weighted Average Shares Outstanding Basic46,800,00049,600,00049,800,000
Weighted Average Shares Outstanding Diluted47,600,00050,400,00050,000,000
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Balance Sheet Statements
Fiscal Year202520242023
Cash And Cash Equivalents386,000,000330,000,000410,000,000
Marketable Securities Current26,000,000272,000,000250,000,000
Accounts Receivable148,000,000145,000,000144,000,000
Inventories———
Non Trade Receivables———
Other Assets Current———
Total Assets Current———
Marketable Securities Non Current———
Property Plant And Equipment117,000,000142,000,000167,000,000
Other Assets Non Current4,000,0004,000,0004,000,000
Total Assets Non Current———
Total Assets22,663,000,00022,891,000,00023,141,000,000
Accounts Payable———
Deferred Revenue———
Short Term Debt000
Other Liabilities Current———
Total Liabilities Current———
Long Term Debt4,308,000,0005,557,000,0005,292,000,000
Other Liabilities Non Current———
Total Liabilities Non Current———
Total Liabilities19,336,000,00019,840,000,00020,223,000,000
Common Stock01,000,0001,000,000
Retained Earnings1,475,000,000999,000,000767,000,000
Accumulated Other Comprehensive Income-16,000,000-22,000,000-19,000,000
Total Shareholders Equity3,327,000,0003,051,000,0002,918,000,000
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Cash Flow Statements
Fiscal Year202520242023
Depreciation And Amortization80,000,00090,000,000116,000,000
Share Based Compensation Expense56,000,00054,000,00044,000,000
Other Non Cash Income Expense———
Change In Accounts Receivable———
Change In Inventories———
Change In Non Trade Receivables———
Change In Other Assets-57,000,000-42,000,000-28,000,000
Change In Accounts Payable———
Change In Other Liabilities-96,000,000-109,000,0000
Cash From Operating Activities2,092,000,0001,859,000,0001,987,000,000
Purchases Of Marketable Securities——0
Sales Of Marketable Securities———
Acquisition Of Property Plant And Equipment———
Acquisition Of Business——0
Other Investing Activities24,000,00036,000,00048,000,000
Cash From Investing Activities-1,371,000,000-1,169,000,000788,000,000
Tax Withholding For Share Based Compensation———
Payments Of Dividends42,000,00044,000,00044,000,000
Issuance Of Common Stock71,000,000——
Repurchase Of Common Stock313,000,00055,000,00035,000,000
Issuance Of Long Term Debt900,000,000300,000,0001,401,000,000
Repayment Of Long Term Debt1,079,000,000894,000,0001,882,000,000
Other Financing Activities-17,000,000-7,000,000-2,000,000
Cash From Financing Activities-807,000,000-592,000,000-3,086,000,000
Change In Cash-86,000,00098,000,000-311,000,000
Cash At End Of Period386,000,000330,000,000410,000,000
Income Taxes Paid53,000,000227,000,000292,000,000
Interest Paid868,000,000922,000,000861,000,000
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Key Metrics
Fiscal Year202520242023
Earnings Per Share11.075.5814.39
Price To Earnings Ratio6.687410.94272.2891
Earnings Growth Rate98.3871-61.2231221.9239
Price Earnings To Growth Ratio0.068-0.17870.0103
Book Value Per Share71.089761.512158.5944
Price To Book Ratio1.04140.99270.5622
Ebitda4,709,000,0004,658,000,0002,005,000,000
Enterprise Value7,386,604,0008,255,576,0006,522,412,000
Dividend Yield0.01210.01450.0268
Dividend Payout Ratio0.08110.15880.0613
Debt To Equity Ratio1.29491.82141.8136
Capital Expenditures55,000,00065,000,00088,000,000
Free Cash Flow2,037,000,0001,794,000,0001,899,000,000
Return On Equity0.15570.09080.2461
One Year Beta1.45851.37451.9131
Three Year Beta1.54551.5591.5874
Five Year Beta1.53051.64141.6342
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Insider Transactions
Insider NameRelationship To IssuerTransaction DateAmount Of SecuritiesAcquired Or DisposedSecurities Owned Following Transaction
Fawcett John J.Director2026-05-21698A11,000
BALLOU ROGER HDirector2026-04-249,687D30,079
Gerspach John CDirector2026-04-15483A47,206
BALLOU ROGER HDirector2026-02-191,351D39,766
McConnaughey Tammy MEVP, Operations & Credit Risk2026-02-181,606D123,320
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Institutional Holdings
Investor NamePeriod Of ReportMarket ValueAmount Of SecuritiesPrice Per Security
TURTLE CREEK ASSET MANAGEMENT INC.2026-03-31182,065,2292,431,10274.89
Kentucky Retirement Systems2026-03-311,058,0004,022263.0532
Edgestream Partners, L.P.2026-03-312,590,29534,58874.89
JANUS HENDERSON GROUP PLC2026-03-311,591,23821,24274.91
Sunbelt Securities, Inc.2026-03-311,0481474.8571
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Mutual Fund Holdings
Registrant NamePeriod Of ReportFund NameFund SymbolAmount Of UnitsValue In UsdPercentage Value Compared To Assets
AQR Funds2026-03-31Class R6QSMRX3,085231,035.650.1385
AQR Funds2026-03-31Class NASMNX3,085231,035.650.1385
AQR Funds2026-03-31Class IASMOX3,085231,035.650.1385
AQR Funds2026-03-31Class R6QSERX8,392628,476.880.4204
AQR Funds2026-03-31Class NQSMNX8,392628,476.880.4204
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