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Bread Financial Holdings Inc
Bread Financial Holdings Inc (BFH) is listed on NYSE and classified in Credit Services, part of the Financial Services sector. It is headquartered in Columbus, United States and has 6,000 employees. The company is worth $3.94B and trades at 8.4x its earnings of the last twelve months; the median for its sector is 13.2x. Revenue was $3.85B in fiscal 2025, up 0.2% from the year before. Net income was $518M. The share price is 10.5% below its 52-week high of $114.53. It pays a dividend yielding 0.90%. 3 of the 38 superinvestors we track held it at the end of Q2 2026. The largest position belongs to Israel Englander (Millennium Management), at $33.08M. In that quarter, 1 of them opened or added to the position and 1 reduced it. No open-market insider trades in it were filed over the last 30 days.
Written from the data on this page: SEC filings (13F, Form 4, annual reports) and market prices.
Year by year, from the annual reports; dividends from the payments themselves.
Bars are year-end balances; lines are what happened during the year.
Major managers that reported this stock in their latest 13F.
▲ +50.5% over 5Y.
today you would have $1,646.53▲ +64.7%
Dividends reinvested, splits accounted for. Past prices say what happened, not what will.
The last 18 closed years, each at that year’s closing price and reported numbers.
| Indicator | Median | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Year-end price | $74.03 | $61.06 | $32.94 | $37.66 | $66.57 | $59.14 | $89.55 | $119.78 | $202.30 | $182.36 | $220.73 | $228.29 | $209.84 | $115.53 | $82.87 | $56.69 | $51.55 | $37.13 |
Seven formulas applied to the reported numbers, each with its assumption next to the result. None of them predicts a price.
Square root of 22.5 × earnings × book value. Blind to intangibles, so it undervalues software and brands.
Earnings growing 19.5% a year plus a 0.9% dividend yield. Growth capped at 25%.
Median P/E of 13.2 among peers in the sector.
Median P/E of 17.3 across this company’s own years on record.
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
Companies of similar size in Financial Services, for comparison. The columns are the same ones above, in the same order.
| Stock | Price | P/E | P/B | Dividend yield | ROE | Market cap |
|---|---|---|---|---|---|---|
| INDBIndependent Bank Corp | $83.43 | 12.0x | 1.1x | 3.07% | 9.34% | $3.95B |
| WSFSWSFS Financial Corp | $77.51 | 12.9x | 1.5x | 1.03% | 11.90% | $3.98B |
| BMAMacro Bank Inc. | $62.95 | 13.2x | 1.0x | 7.24% | 7.07% | $4.02B |
| NPNeptune Insurance Holdings Inc. | $29.36 |
| P/E | 17.3x | 6.8x | 11.1x | 2.3x | 8.4x | 4.2x | 13.3x | 16.4x | 8.6x | 18.0x | 31.1x | 31.3x | 36.3x | 35.4x | 22.0x | 19.1x | 20.4x | 25.9x | 16.6x |
| P/S | 1.5x | 0.8x | 0.8x | 0.4x | 0.5x | 1.0x | 1.1x | 1.3x | 1.4x | 2.6x | 1.8x | 2.5x | 3.4x | 3.2x | 2.0x | 1.6x | 1.3x | 1.9x | 1.7x |
| P/B | 6.9x | 1.0x | 1.0x | 0.6x | 0.8x | 1.6x | 2.4x | 3.4x | 3.4x | 7.6x | 7.7x | 8.2x | 7.5x | 16.3x | 13.7x | 29.5x | 157.3x | 13.7x | 6.3x |
| EPS | $10.89 | $5.49 | $14.34 | $4.46 | $16.02 | $4.46 | $5.46 | $13.96 | $11.25 | $5.86 | $7.06 | $6.28 | $5.92 | $5.25 | $4.35 | $2.78 | $1.99 | $2.23 |
| Dividend yield | 1.45% | 1.16% | 1.38% | 2.55% | 2.23% | 1.07% | 1.70% | 2.25% | 1.52% | 0.82% | 0.23% | — | — | — | — | — | — | — | — |
| Payout | 13.89% | 7.90% | 15.30% | 5.86% | 18.83% | 4.45% | 22.55% | 36.83% | 13.04% | 14.75% | 7.08% | — | — | — | — | — | — | — | — |
| Profit margin | 9.83% | 13.47% | 7.22% | 16.74% | 5.83% | 24.48% | 6.49% | 6.86% | 17.00% | 14.41% | 7.25% | 9.40% | 9.73% | 11.49% | 11.60% | 9.94% | 6.94% | 7.32% | 10.19% |
| ROE | 34.46% | 15.57% | 9.08% | 24.61% | 9.85% | 38.40% | 14.06% | 17.50% | 41.30% | 42.51% | 31.21% | 30.12% | 21.54% | 57.98% | 79.90% | 179.17% | 838.91% | 52.69% | 37.71% |
Median of the years shown; P/E years above 200x are left out.
This formula has no meaning here — usually a loss, negative cash flow, or a missing input.
The average of the method families that answered, not of the seven numbers: four of the seven start from the same earnings per share.
4 methods answered, across 1 families.
Room for errors in the reported numbers.
+88.8% from the average.
Models, not forecasts, and not investment advice. How each formula works →
| 127.7x |
| — |
| 0.00% |
| — |
| $4.03B |
| PLMRPalomar Holdings, Inc. | $144.53 | 18.7x | 3.9x | 0.31% | 22.23% | $3.83B |
| CVBFCvb Financial Corp | $23.05 | 15.6x | 1.4x | 3.47% | 7.65% | $4.06B |