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.
| trading_symbol | registrant_name | time | price | change | percentage_change |
|---|---|---|---|---|---|
| BFH | BREAD FINANCIAL HOLDINGS, INC. | 2026-02-17 17:01:36 | 73.16 | 0 | 0 |
| trading_symbol | central_index_key | registrant_name | isin_number | lei_number | ein_number | exchange | sic_code | sic_description | fiscal_year_end | state_of_incorporation | address_street | address_city | address_state | address_zip_code | address_country | address_country_code | phone_number | mailing_address | business_address | former_name | industry | founding_date | chief_executive_officer | number_of_employees | website | market_cap | shares_issued | shares_outstanding | description | update_time |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| BFH | 0001101215 | BREAD FINANCIAL HOLDINGS, INC. | US0185811082 | 549300G8S4PO686J7H97 | 311429215 | NYSE | 6141 | Personal Credit Institutions | 1231 | DE | 3095 LOYALTY CIRCLE | COLUMBUS | OH | 43219 | UNITED STATES | US | 6147294000 | 3095 LOYALTY CIRCLE, COLUMBUS, OH, 43219 | 3095 LOYALTY CIRCLE, COLUMBUS, OH, 43219 | ALLIANCE DATA SYSTEMS CORP | — | 1983-04-22 | Ralph Andretta | 6,000 | http://breadfinancial.com | 2,200,000,000 | 46,000,000 | 45,661,601 | 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. | 2026-02-12 16:54:54 |
| Fiscal Year | Market Cap | Change In Market Cap | Percentage Change In Market Cap | Shares Outstanding | Change In Shares Outstanding | Percentage Change In Shares Outstanding |
|---|---|---|---|---|---|---|
| 2025 | 2,700,000,000 | 500,000,000 | 22.7273 | 43,115,116 | -5,977,240 | -12.1755 |
| 2024 | 2,200,000,000 | 600,000,000 | 37.5 | 49,092,356 | -331,891 | -0.6715 |
| 2023 | 1,600,000,000 | -200,000,000 | -11.1111 | 49,424,247 | -691,174 | -1.3792 |
| Executive Name | Executive Position | Fiscal Year | Salary | Bonus | Stock Awards | Incentive Plan Compensation | Other Compensation | Total Compensation |
|---|---|---|---|---|---|---|---|---|
| Allegra S. Driscoll | EVP, Chief Technology Officer | 2024 | 598,558 | 1,100,000 | 1,161,251 | 1,137,500 | 44,250 | 4,041,559 |
| Valerie E. Greer | Chief Commercial Officer, EVP | 2024 | 663,846 | 0 | 1,826,278 | 1,296,750 | 115,700 | 3,902,574 |
| Ralph J. Andretta | Chief Executive Officer, President | 2024 | 1,155,000 | 0 | 6,333,851 | 2,852,850 | 296,346 | 10,638,047 |
| Perry S. Beberman | Chief Financial Officer, EVP | 2024 | 663,846 | 0 | 1,826,278 | 1,296,750 | 104,699 | 3,891,573 |
| Joseph L. Motes | Secretary, EVP, Chief Administrative Officer | 2024 | 650,379 | 0 | 1,404,066 | 1,287,000 | 122,282 | 3,463,727 |
| Fiscal Year | Employee Count |
|---|---|
| 2025 | 6,000 |
| 2024 | 6,000 |
| 2023 | 7,000 |
| Fiscal Year | 2025 | 2024 | 2023 |
|---|---|---|---|
| Revenue | — | — | — |
| Cost Of Revenue | — | — | — |
| Gross Profit | — | — | — |
| Research And Development Expenses | — | — | — |
| General And Administrative Expenses | — | — | — |
| Operating Expenses | — | — | — |
| Operating Income | — | — | — |
| Net Income | 518,000,000 | 277,000,000 | 718,000,000 |
| Earnings Per Share Basic | 11.07 | 5.58 | 14.39 |
| Earnings Per Share Diluted | 10.89 | 5.49 | 14.34 |
| Weighted Average Shares Outstanding Basic | 46,800,000 | 49,600,000 | 49,800,000 |
| Weighted Average Shares Outstanding Diluted | 47,600,000 | 50,400,000 | 50,000,000 |
| Fiscal Year | 2025 | 2024 | 2023 |
|---|---|---|---|
| Cash And Cash Equivalents | 386,000,000 | 330,000,000 | 410,000,000 |
| Marketable Securities Current | 26,000,000 | 272,000,000 | 250,000,000 |
| Accounts Receivable | 148,000,000 | 145,000,000 | 144,000,000 |
| Inventories | — | — | — |
| Non Trade Receivables | — | — | — |
| Other Assets Current | — | — | — |
| Total Assets Current | — | — | — |
| Marketable Securities Non Current | — | — | — |
| Property Plant And Equipment | 117,000,000 | 142,000,000 | 167,000,000 |
| Other Assets Non Current | 4,000,000 | 4,000,000 | 4,000,000 |
| Total Assets Non Current | — | — | — |
| Total Assets | 22,663,000,000 | 22,891,000,000 | 23,141,000,000 |
| Accounts Payable | — | — | — |
| Deferred Revenue | — | — | — |
| Short Term Debt | 0 | 0 | 0 |
| Other Liabilities Current | — | — | — |
| Total Liabilities Current | — | — | — |
| Long Term Debt | 4,308,000,000 | 5,557,000,000 | 5,292,000,000 |
| Other Liabilities Non Current | — | — | — |
| Total Liabilities Non Current | — | — | — |
| Total Liabilities | 19,336,000,000 | 19,840,000,000 | 20,223,000,000 |
| Common Stock | 0 | 1,000,000 | 1,000,000 |
| Retained Earnings | 1,475,000,000 | 999,000,000 | 767,000,000 |
| Accumulated Other Comprehensive Income | -16,000,000 | -22,000,000 | -19,000,000 |
| Total Shareholders Equity | 3,327,000,000 | 3,051,000,000 | 2,918,000,000 |
| Fiscal Year | 2025 | 2024 | 2023 |
|---|---|---|---|
| Depreciation And Amortization | 80,000,000 | 90,000,000 | 116,000,000 |
| Share Based Compensation Expense | 56,000,000 | 54,000,000 | 44,000,000 |
| 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 | -109,000,000 | 0 |
| Cash From Operating Activities | 2,092,000,000 | 1,859,000,000 | 1,987,000,000 |
| Purchases Of Marketable Securities | — | — | 0 |
| Sales Of Marketable Securities | — | — | — |
| Acquisition Of Property Plant And Equipment | — | — | — |
| Acquisition Of Business | — | — | 0 |
| Other Investing Activities | 24,000,000 | 36,000,000 | 48,000,000 |
| Cash From Investing Activities | -1,371,000,000 | -1,169,000,000 | 788,000,000 |
| Tax Withholding For Share Based Compensation | — | — | — |
| Payments Of Dividends | 42,000,000 | 44,000,000 | 44,000,000 |
| Issuance Of Common Stock | — | — | — |
| Repurchase Of Common Stock | 313,000,000 | 55,000,000 | 35,000,000 |
| Issuance Of Long Term Debt | 900,000,000 | 300,000,000 | 1,401,000,000 |
| Repayment Of Long Term Debt | 1,079,000,000 | 894,000,000 | 1,882,000,000 |
| 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 | -86,000,000 | 98,000,000 | -311,000,000 |
| Cash At End Of Period | 386,000,000 | 330,000,000 | 410,000,000 |
| Income Taxes Paid | 53,000,000 | 227,000,000 | 292,000,000 |
| Interest Paid | 868,000,000 | 922,000,000 | 861,000,000 |
| Fiscal Year | 2025 | 2024 | 2023 |
|---|---|---|---|
| Earnings Per Share | 11.07 | 5.58 | 14.39 |
| Price To Earnings Ratio | 6.6874 | 10.9427 | 2.2891 |
| Earnings Growth Rate | 98.3871 | -61.2231 | 221.9239 |
| Price Earnings To Growth Ratio | 0.068 | -0.1787 | 0.0103 |
| Book Value Per Share | 71.0897 | 61.5121 | 58.5944 |
| Price To Book Ratio | 1.0414 | 0.9927 | 0.5622 |
| Ebitda | 4,709,000,000 | 4,658,000,000 | 2,005,000,000 |
| Enterprise Value | 7,386,604,000 | 8,255,576,000 | 6,522,412,000 |
| Dividend Yield | 0.0121 | 0.0145 | 0.0268 |
| Dividend Payout Ratio | 0.0811 | 0.1588 | 0.0613 |
| Debt To Equity Ratio | 1.2949 | 1.8214 | 1.8136 |
| Capital Expenditures | 55,000,000 | 65,000,000 | 88,000,000 |
| Free Cash Flow | 2,037,000,000 | 1,794,000,000 | 1,899,000,000 |
| Return On Equity | 0.1557 | 0.0908 | 0.2461 |
| One Year Beta | 1.4585 | 1.3745 | 1.9131 |
| Three Year Beta | 1.5455 | 1.559 | 1.5874 |
| Five Year Beta | 1.5305 | 1.6414 | 1.6342 |
| Insider Name | Relationship To Issuer | Transaction Date | Amount Of Securities | Acquired Or Disposed | Securities Owned Following Transaction |
|---|---|---|---|---|---|
| Gerspach John C | Director | 2026-01-15 | 499 | A | 46,723 |
| Andretta Ralph J | Director, President and CEO | 2025-12-11 | 4,116 | D | 534,997 |
| Greer Valerie E | EVP, Chief Commercial Officer | 2025-12-11 | 1,256 | D | 151,951 |
| Motes Joseph L III | EVP, CAO, Gen Counsel & Secy | 2025-12-11 | 346 | D | 123,734 |
| Gerspach John C | Director | 2025-10-15 | 670 | A | 46,224 |
| Investor Name | Period Of Report | Market Value | Amount Of Securities | Price Per Security |
|---|---|---|---|---|
| MACKENZIE FINANCIAL CORP | 2025-12-31 | 2,973,391 | 39,931 | 74.4632 |
| MERCER GLOBAL ADVISORS INC /ADV | 2025-12-31 | 249,240 | 3,367 | 74.0244 |
| RAYMOND JAMES FINANCIAL INC | 2025-12-31 | 829,432 | 11,204 | 74.03 |
| Abel Hall, LLC | 2025-12-31 | 207,728 | 2,806 | 74.0299 |
| LAZARD ASSET MANAGEMENT LLC | 2025-12-31 | 1,206,985 | 16,304 | 74.03 |
| Registrant Name | Period Of Report | Fund Name | Fund Symbol | Amount Of Units | Value In Usd | Percentage Value Compared To Assets |
|---|---|---|---|---|---|---|
| EMPOWER FUNDS, INC. | 2025-12-31 | Institutional Class | MXTFX | 13,300 | 984,599 | 0.153 |
| EMPOWER FUNDS, INC. | 2025-12-31 | Investor Class | MXLSX | 13,300 | 984,599 | 0.153 |
| EMPOWER FUNDS, INC. | 2025-12-31 | Institutional Class | MXERX | 34,661 | 2,565,953.78 | 0.2308 |
| EMPOWER FUNDS, INC. | 2025-12-31 | Class L | MXNSX | 34,661 | 2,565,953.78 | 0.2308 |
| EMPOWER FUNDS, INC. | 2025-12-31 | Investor Class | MXISX | 34,661 | 2,565,953.78 | 0.2308 |