BFH Bread Financial Holdings, Inc.
Stock · NYSE · United States · Financial Services · US0185811082
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Price history
Daily prices in USD.
Updated 06 Nov 2026 17:28. Information, not advice.
Results
Earnings per share: estimate and reported
Estimate Reported: beat Reported: miss In line
Quarterly results
| Date | EPS estimate | EPS reported | Surprise | Result |
|---|---|---|---|---|
| 28 Jan 2027 08:00 | 1.52 | — | — | Upcoming |
| 21 Oct 2026 20:00 | 3.23 | 3.84 | +18.8% | Beat |
| 22 Jul 2026 20:00 | 2.77 | 3.55 | +28.3% | Beat |
| 23 Apr 2026 06:00 | 3.05 | 4.18 | +37.0% | Beat |
| 29 Jan 2026 08:00 | 0.48 | 2.07 | +334.3% | Beat |
| 23 Oct 2025 07:00 | 2.11 | 4.02 | +90.3% | Beat |
| 24 Jul 2025 06:00 | 1.94 | 3.14 | +61.7% | Beat |
| 24 Apr 2025 06:00 | 2.23 | 2.90 | +30.1% | Beat |
| 30 Jan 2025 06:00 | 0.32 | 0.41 | +27.2% | Beat |
| 24 Oct 2024 06:00 | 1.95 | 1.84 | -5.5% | Miss |
| 25 Jul 2024 06:00 | 1.64 | 2.66 | +62.6% | Beat |
| 24 Apr 2024 20:00 | 2.97 | 2.73 | -8.0% | Miss |
| 25 Jan 2024 06:00 | -0.83 | 0.90 | +208.2% | Beat |
| 26 Oct 2023 06:00 | 2.28 | 3.46 | +52.1% | Beat |
| 27 Jul 2023 06:00 | 0.05 | 1.27 | +2,722.2% | Beat |
| 27 Apr 2023 06:00 | 6.59 | 9.08 | +37.8% | Beat |
| 26 Jan 2023 07:00 | -2.80 | -2.68 | +4.4% | Beat |
| 27 Oct 2022 07:00 | 2.19 | 2.69 | +23.0% | Beat |
| 28 Jul 2022 07:00 | 2.20 | 0.56 | -74.7% | Miss |
| 28 Apr 2022 07:00 | 4.41 | 4.21 | -4.5% | Miss |
| 27 Jan 2022 07:00 | 2.20 | 1.21 | -45.1% | Miss |
| 28 Oct 2021 07:00 | 3.38 | 4.47 | +32.1% | Beat |
| 29 Jul 2021 07:00 | 3.74 | 5.99 | +60.3% | Beat |
| 29 Apr 2021 07:00 | 3.15 | 6.28 | +99.4% | Beat |
| 28 Jan 2021 07:00 | 2.42 | 3.31 | +36.6% | Beat |
Annual results
| Year | Revenue | Change | Net income | Net margin | EPS | EPS change | Free cash flow |
|---|---|---|---|---|---|---|---|
| 2025 | 3.8B | +0.2% | 518M | 13.5% | 10.89 | +98.4% | 2.1B |
| 2024 | 3.8B | -10.6% | 277M | 7.2% | 5.49 | -61.7% | 1.9B |
| 2023 | 4.3B | +11.0% | 718M | 16.7% | 14.34 | +221.5% | 2B |
| 2022 | 3.9B | — | 223M | 5.8% | 4.46 | — | 1.8B |
| 2021 | — | — | — | — | — | — | — |
Dates and earnings per share from the company reports as collected by the data provider; the estimate is the analysts' average before the report. Information, not advice.
Prices by day, week and month
| Period | Opening price | High | Low | Closing price | Change | Volume | Dividend |
|---|---|---|---|---|---|---|---|
| 09 Nov 2023 | 28.49 | 28.49 | 27.16 | 27.36 | -2.88% | 563,300 | |
| 08 Nov 2023 | 28.68 | 28.96 | 28.04 | 28.17 | -1.78% | 539,000 | |
| 07 Nov 2023 | 29.06 | 29.46 | 28.53 | 28.68 | -2.48% | 520,800 | |
| 06 Nov 2023 | 29.12 | 29.53 | 28.75 | 29.41 | +0.62% | 665,800 | |
| 03 Nov 2023 | 29.73 | 30.53 | 29.15 | 29.23 | +1.32% | 751,100 | |
| 02 Nov 2023 | 27.23 | 28.86 | 27.22 | 28.85 | +8.01% | 816,200 | |
| 01 Nov 2023 | 26.84 | 27.26 | 26.08 | 26.71 | -1.18% | 997,100 | |
| 31 Oct 2023 | 27.37 | 27.51 | 26.92 | 27.03 | -0.41% | 526,700 | |
| 30 Oct 2023 | 27.25 | 27.55 | 26.64 | 27.14 | +1.38% | 398,500 | |
| 27 Oct 2023 | 27.10 | 27.49 | 26.45 | 26.77 | -2.51% | 705,600 | |
| 26 Oct 2023 | 28.40 | 29.54 | 27.26 | 27.46 | -1.29% | 1,242,000 | |
| 25 Oct 2023 | 28.15 | 28.36 | 27.69 | 27.82 | -2.11% | 744,200 | |
| 24 Oct 2023 | 29.26 | 29.48 | 28.39 | 28.42 | -0.73% | 343,400 | |
| 23 Oct 2023 | 28.45 | 29.23 | 28.32 | 28.63 | -0.07% | 573,700 | |
| 20 Oct 2023 | 29.30 | 29.57 | 28.63 | 28.65 | -2.62% | 477,500 | |
| 19 Oct 2023 | 30.01 | 30.43 | 29.27 | 29.42 | -3.22% | 504,100 | |
| 18 Oct 2023 | 30.80 | 31.06 | 30.29 | 30.40 | -3.18% | 364,400 | |
| 17 Oct 2023 | 30.26 | 31.59 | 30.10 | 31.40 | +2.55% | 579,600 | |
| 16 Oct 2023 | 30.88 | 31.09 | 30.38 | 30.62 | +0.49% | 441,900 | |
| 13 Oct 2023 | 32.25 | 32.33 | 29.97 | 30.47 | -4.75% | 768,400 | |
| 12 Oct 2023 | 32.31 | 32.31 | 31.41 | 31.99 | -0.93% | 405,400 | |
| 11 Oct 2023 | 31.22 | 32.41 | 31.22 | 32.29 | +1.99% | 461,500 | |
| 10 Oct 2023 | 31.21 | 32.09 | 30.84 | 31.66 | +2.36% | 603,900 | |
| 09 Oct 2023 | 30.17 | 31.48 | 30.17 | 30.93 | +0.91% | 367,500 | |
| 06 Oct 2023 | 29.24 | 31.00 | 29.20 | 30.65 | +3.62% | 609,100 |
Prices in USD, adjusted for splits but not for dividends. Weeks run Monday to Friday and months follow the calendar; the change compares each close with the previous period's. Dividends are those whose ex-dividend date falls in the period, per share. Information, not advice.
Key data
- Previous close
- 102.57 USD
- Market cap
- 3.9B
- Dividend yield
- 0.97%
- 5-year average yield
- 1.56%
- Payout ratio
- 7%
- Last dividend
- 0.2300 USD · 30 Nov 2026
- Next ex-dividend date
- 30 Nov 2026
- Exchange
- NYSE
- Country
- United States
- Sector
- Financial Services
- Industry
- Credit Services
- Currency
- USD
Dividends
| Ex-dividend date | Per share |
|---|---|
| 31 Aug 2026 | 0.2300 USD |
| 29 May 2026 | 0.2300 USD |
| 27 Feb 2026 | 0.2300 USD |
| 07 Nov 2025 | 0.2300 USD |
| 08 Aug 2025 | 0.2100 USD |
| 09 May 2025 | 0.2100 USD |
| 14 Feb 2025 | 0.2100 USD |
| 08 Nov 2024 | 0.2100 USD |
| 09 Aug 2024 | 0.2100 USD |
| 09 May 2024 | 0.2100 USD |
| 08 Feb 2024 | 0.2100 USD |
| 10 Nov 2023 | 0.2100 USD |
Why this score
| Part of the score | Points | Why |
|---|---|---|
| Yield Dividends per year as a share of today's price. Very high yields count for less: they often signal trouble. | 4.0 / 25 |
|
| Dividend safety Can the company keep paying? The dividend against free cash flow and earnings, plus debt and interest cover. | 25.0 / 25 |
|
| Dividend growth How many years in a row the dividend has risen, and how fast. | 0.8 / 15 |
|
| Quality Return on equity, net margin and how stable the margins are. | 10.1 / 15 |
|
| Valuation Free cash flow yield and the P/E against its sector. | 10.0 / 10 |
|
| Analysts How far the analysts' average target is from today's price. | 3.4 / 5 |
|
Income profile: it pays a dividend, so it is scored mainly on the dividend and how safe it is. Based on 95% of the figures (grade A).
Warnings take points off and some cap the score. In your account the score also considers how the share fits your portfolio.
Figures
| Figure | Value | Reading | Sector median |
|---|---|---|---|
| P/E (trailing) | 8.4× | Good | 12.86× |
| P/E (forward) | 7.73× | Good | 10.18× |
| Price / book | 1.18× | Good | 1.76× |
| Price / sales | 1.51× | Good | 2.93× |
| Free cash flow yield | 51.4% | Good | 7.6% |
| Figure | Value | Reading | Sector median |
|---|---|---|---|
| Gross margin | 0% | Weak | 34.9% |
| Operating margin | 30.2% | Good | 30.4% |
| Net margin | 19.9% | Good | 20% |
| Return on equity | 15.9% | Good | 13.9% |
| Return on assets | 2.4% | Weak | 1.9% |
| Figure | Value | Reading | Sector median |
|---|---|---|---|
| Revenue growth / year | -0.2% | Weak | 10% |
| EPS growth / year | 34.7% | Good | 11% |
| Figure | Value | Reading | Sector median |
|---|---|---|---|
| Debt / equity | 1.32× | Fair | 0.5× |
| Figure | Value | Reading | Sector median |
|---|---|---|---|
| Payout of earnings | 7.2% | Good | 22% |
| Payout of free cash flow | 2% | Good | 28.1% |
| Payout of free cash flow (3 years) | 2.1% | Good | — |
| Dividend growth / year | -7.9% | Weak | 7.1% |
| Years of rising dividends | 1 | Weak | 2 |
The reading follows general rules of thumb and each sector has its own norms: compare with the sector median when it is shown. Information, not advice.
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