Touchstone
Last syncNov 1, 2026, 6:55 PM ET

BFH

Bread Financial Holdings, Inc. Financials Personal Credit Institutions Russell 3000
$103.41Close $4.6BMarket cap $59.52 – $113.1552-week range Jan 21, 2027Next report · estimated

Highlights

Strengths

  • Leading the market RS 80 · stronger than 80% of stocks over 12 months

Cautions

  • Trend not confirmed 7 of 8 conditions · under the 50-day

Price

Filing Results Screen pick 52-week high and low Adjusted prices

Key figures

FY to Dec 31, 2025 · filed Oct 27, 2026
Off 12-month high 9%
1wk up 3.5% price change
1mo up 5.8% price change
12-month return up 69% market up 11% · its own up 57%
F-score — — Not assessed
Altman Z — Unknown
P/E 8.8× price / earnings
PEG 0.09 P/E / EPS growth
P/B 1.4× price / book
Earnings yield — EBIT / enterprise value
Cheaper than — of the market · not assessed
Revenue growth 0% year on year
EPS growth 0% latest quarter · -22 pts
Sales growth up 5% latest quarter · -2 pts
ROE up 16% return on equity
Free cash margin —
D/E 1.29 long-term debt / equity
Net debt / EBITDA —
Interest cover —EBIT / interest
Piotroski tests

Repair signals

  • Long-term debt down 22% ($5.6B → $4.3B)
  • Revenue reaccelerating (-11% then +0%)

Trade setup

ATR% 3.4% $3.49 a day · 2×ATR $96.42
RS 80 / 99 vs the universe
Trend 7 / 8 under the 50-day
Relative volume 1.1× vs 50-day average
Up/down volume 0.98 50 sessions
Implied move — no scheduled report
Trend template · 7 of 8
  • Price above the 50-day average: fails

Screen verdict

Did not qualify for any screen.

Warning signs

none flagged
  • No restatement or impairment
  • Equity positive
  • No material dilution
  • Margins and revenue not shrinking
Last reported Oct 22, 2026
Results reaction Oct 22, 2026-6% vs market2 sessions after results

Financials

6 fiscal years · from filings
Revenue What customers paid the company over its fiscal year, before any cost, as filed in its annual report. The change is against the year before. Methodology $3.8B +0.2% on FY2024
$0 $5B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $577.2M FY2021 · $3.3B FY2022 · $3.8B FY2023 · $4.3B FY2024 · $3.8B FY2025 · $3.8B
Net income Profit left after every cost, interest and tax for the year. A column below the line is a loss. Methodology $518.0M +87% on FY2024
$0 $1B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · $214.0M FY2021 · $801.0M FY2022 · $223.0M FY2023 · $718.0M FY2024 · $277.0M FY2025 · $518.0M
Margins Each as a share of revenue. Gross: left after the direct cost of what was sold. Net: left after every cost. Free cash: free cash flow over revenue. A margin rising over years means the business keeps more of each dollar it sells. Methodology
  • Net 13%
0% 50% FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Net 37% FY2021 · Net 24% FY2022 · Net 6% FY2023 · Net 17% FY2024 · Net 7% FY2025 · Net 13%
Cash and long-term debt Cash on the balance sheet at the year's end beside debt due after a year. Net cash is cash less that debt; net debt is the shortfall. Debt some filers do not tag shows as a gap, not as zero. Methodology
  • Cash
  • Long-term debt
$0 $10B FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · Cash $2.8B · Long-term debt $2.8B FY2021 · Cash $3.0B · Long-term debt $7.4B FY2022 · Cash $3.9B · Long-term debt $8.0B FY2023 · Cash $3.6B · Long-term debt $5.3B FY2024 · Cash $3.7B · Long-term debt $5.6B FY2025 · Cash $3.6B · Long-term debt $4.3B
Shares outstanding Shares in issue at the year's end. A rising count means each share owns a smaller slice of the company (stock pay, share sales); a falling one, buybacks. The chart's scale is fitted to the count, so a small change looks large: read the percentage. Methodology 44.10m -62.3% since FY2020
117.10m 44.10m FY20 FY21 FY22 FY23 FY24 FY25 FY2020 · 117.10m FY2021 · 49.80m FY2022 · 49.90m FY2023 · 49.30m FY2024 · 49.10m FY2025 · 44.10m
  FY2020Dec 31, 2020 FY2021Dec 31, 2021 FY2022Dec 31, 2022 FY2023Dec 31, 2023 FY2024Dec 31, 2024 FY2025Dec 31, 2025
Revenue $577.2M $3.3B $3.8B $4.3B $3.8B $3.8B
Gross margin -260% — — — — —
Operating income $301.0M — — — — —
Net income $214.0M $801.0M $223.0M $718.0M $277.0M $518.0M
Net margin 37% 24% 6% 17% 7% 13%
Earnings per share $4.47 $16.02 $4.46 $14.36 $5.50 $10.88
Cash $2.8B $3.0B $3.9B $3.6B $3.7B $3.6B
Long-term debt $2.8B $7.4B $8.0B $5.3B $5.6B $4.3B
Shareholders' equity $1.5B $2.1B $2.3B $2.9B $3.1B $3.3B
Shares outstanding 117.10m 49.80m 49.90m 49.30m 49.10m 44.10m

Filings

SEC EDGAR
FiledReportPeriod to Lag
Oct 27, 2026 Quarterly ↗ Sep 30, 2026 27d
Jul 28, 2026 Quarterly ↗ Jun 30, 2026 28d
Apr 28, 2026 Quarterly ↗ Mar 31, 2026 28d
Feb 13, 2026 Annual ↗ Dec 31, 2025 44d
Oct 28, 2025 Quarterly ↗ Sep 30, 2025 28d
Jul 29, 2025 Quarterly ↗ Jun 30, 2025 29d
Apr 29, 2025 Quarterly ↗ Mar 31, 2025 29d
Feb 14, 2025 Annual ↗ Dec 31, 2024 45d
Oct 31, 2024 Quarterly ↗ Sep 30, 2024 31d
Aug 1, 2024 Quarterly ↗ Jun 30, 2024 32d
May 2, 2024 Quarterly ↗ Mar 31, 2024 32d
Feb 20, 2024 Annual ↗ Dec 31, 2023 51d

Current reports

FiledDisclosed
Oct 28, 2026 Other events ↗
Oct 27, 2026 Other events ↗
Oct 22, 2026 Regulation FD ↗
Oct 22, 2026 Results · Regulation FD · Other events ↗
Sep 15, 2026 Regulation FD ↗
Sep 8, 2026 Material agreement ↗
Aug 17, 2026 Regulation FD ↗
Jul 23, 2026 Regulation FD ↗
Jul 23, 2026 Results · Regulation FD · Other events ↗
Jul 14, 2026 Director or officer change · Regulation FD ↗
Jun 10, 2026 Regulation FD ↗
May 22, 2026 Shareholder vote ↗