Bread Financial Holdings Inc
Research Bread Financial Holdings Inc (BFH) on Bullrun: valuation model: 6.8% undervalued, market cap USD 4.17B, P/E 8.4, dividend yield 0.6%. Explore financials, valuation history, model signals, and stock context.
Key Metrics
- TickerBFH
- ExchangeNYSE
- CountryUnited States
- SectorFinancial Services
- IndustryCredit Services
- CurrencyUSD
- Valuation signal6.8% undervalued
- Market capUSD 4.17B
- P/E8.4
- Dividend yield0.6%
- Financial periodQ1 2026
- RevenueUSD 1.02B
- Net incomeUSD 181.00M
- Free cash flowUSD 487.00M
Valuation Snapshot
Bullrun's latest valuation model marks Bread Financial Holdings Inc as 6.8% undervalued; latest market cap is USD 4.17B; P/E is 8.4; dividend yield is 0.6%.
Peer valuation comparison
Latest P/E is 8.41x versus a Financial Services sector median of 13.84x (39.2% below).
Latest dividend yield is 0.64% versus a Financial Services sector median of 3.86% (83.4% below).
Five-year financial history
| Year | Revenue | Net income | Free cash flow | Gross margin | Diluted EPS | Cash | Total debt | Equity |
|---|---|---|---|---|---|---|---|---|
| FY2025 | USD 3.85B | USD 518.00M | USD 2.09B | n/a | 10.89 | USD 3.60B | USD 4.31B | USD 3.33B |
| FY2024 | USD 3.84B | USD 277.00M | USD 1.89B | n/a | 5.49 | USD 3.68B | USD 5.56B | USD 3.05B |
| FY2023 | n/a | USD 718.00M | n/a | n/a | 14.34 | USD 3.59B | USD 5.29B | USD 2.92B |
| FY2022 | n/a | USD 223.00M | USD 1.78B | n/a | 4.46 | USD 3.89B | USD 8.01B | USD 2.27B |
Valuation history
| Year | Snapshot date | Market cap | P/E | Dividend yield | Annual dividend/share |
|---|---|---|---|---|---|
| 2026 | 2026-08-25 | USD 4.17B | 8.4 | 0.6% | 0.69 |
| 2025 | 2025-12-31 | USD 3.26B | 6.8 | 1.2% | 0.86 |
| 2024 | 2024-12-31 | USD 3.00B | 11.1 | 1.4% | 0.84 |
| 2023 | 2023-12-29 | USD 1.62B | 3.1 | 2.6% | 0.84 |
| 2022 | 2022-12-30 | USD 1.88B | 5.0 | 2.2% | 0.84 |
| 2021 | 2021-12-31 | USD 3.32B | 4.2 | 1.1% | 0.72 |
Dividend history
Latest trailing dividend snapshot: annual dividend/share 0.69 USD, yield 0.6%.
| Year | Dividends/share |
|---|---|
| FY2025 | 0.86 USD |
| FY2024 | 0.84 USD |
| FY2023 | 0.84 USD |
| FY2022 | 0.84 USD |
About Bread Financial Holdings Inc
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.
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Frequently asked questions
Is Bread Financial Holdings Inc overvalued or undervalued?
Bullrun's valuation model currently marks Bread Financial Holdings Inc as 6.8% undervalued.
What is Bread Financial Holdings Inc's market cap?
Bread Financial Holdings Inc's market capitalization is USD 4.17B.
What is Bread Financial Holdings Inc's P/E ratio?
Bread Financial Holdings Inc's price-to-earnings (P/E) ratio is 8.4.
Does Bread Financial Holdings Inc pay a dividend?
Bread Financial Holdings Inc has a dividend yield of 0.6%.
What does Bread Financial Holdings Inc do?
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.