Bread Financial Holdings, Inc. BFH | NYSE

$57.12 $0.26 | 0.46%

After Hours
$56.86 -$0.26 | -0.46%

Next Earnings: Jul 23, 2025

Company Overview:

Market Cap: $2.66B
PE Ratio: 10.07
52-Week Range: $38.21 - $66.71
Dividend Yield (FWD): 1.47% ($0.84)

10 Year BFH Performance Metrics:

Total Return (with DRIP): -71.4% (-11.75% CAGR)
Total Return (no DRIP): -71.0% (-11.65% CAGR)
Share Price: -75.5% (-13.14% CAGR)
Dividend Increase: -49.4% (-7.71% CAGR)
BFH 10-yr Total Return ($10K invested)
1Y 2Y 5Y 10Y All

BFH Dividend Payments, Yield & Share Price charts

Dividend Payments & Yield
BFH Dividend CAGR:1Y: 0.00%2Y: 0.00%5Y: 4.61%10Y: N/A
Share Price
BFH Price CAGR:1Y: 26.01%2Y: 34.90%5Y: 9.68%10Y: -13.11%

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BFH Dividend Safety: Payout & Dividend to Free Cash Flow Ratios.

Dividend Payout Ratio - BFH
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Dividend to Free Cash Flow Ratio - BFH
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BFH Earnings, Revenue, Cash & Debt, Shares Outstaning:

BFH - Revenue
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BFH Revenue CAGR:1Y: -3.55%2Y: -5.39%5Y: -2.86%10Y: -2.88%
BFH - Earnings Per Share (EPS)
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BFH EPS CAGR:1Y: 2.96%2Y: -44.67%5Y: 34.57%10Y: 1.83%
BFH - Net Income
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BFH Net Income CAGR:1Y: 2.99%2Y: -44.93%5Y: 35.69%10Y: -1.63%
BFH - EBITDA
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BFH EBITDA CAGR:1Y: 3.32%2Y: -50.51%5Y: 27.70%10Y: -5.10%
BFH - Free Cash Flow
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BFH Free Cash Flow CAGR:1Y: -8.60%2Y: 0.77%5Y: -6.73%10Y: 11.50%
BFH - Free Cash Flow / Share
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BFH Free Cash Flow / Share CAGR:1Y: -7.67%2Y: 1.80%5Y: -7.27%10Y: 14.36%
BFH - Operating Income
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BFH Operating Income CAGR:1Y: 4.79%2Y: -52.03%5Y: 3.73%10Y: -4.87%
BFH - Gross Profit
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BFH Gross Profit CAGR:1Y: 0.60%2Y: -28.95%5Y: -1.31%10Y: 2.97%
BFH - Shares Outstanding
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BFH Shares Outstanding CAGR:1Y: -0.20%2Y: -0.50%5Y: 0.78%10Y: -2.46%
BFH - Share Buybacks
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BFH Share Buybacks CAGR:1Y: 836.36%2Y: 0.00%5Y: 0.00%10Y: -15.31%
BFH - Stock-Based Comp
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BFH Stock-Based Comp CAGR:1Y: -13.33%2Y: 20.19%5Y: 22.57%10Y: -7.22%
BFH - Expenses
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BFH Expenses CAGR:1Y: -100.00%2Y: -100.00%5Y: -100.00%10Y: -100.00%
BFH - Revenue vs Net Income
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BFH - EPS vs FCF / Share
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BFH - EPS vs PE Ratio
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BFH - FCF vs FCF / Share
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BFH - FCF vs Stock Based Comp
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BFH - Cash & Debt
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BFH - Dividends
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BFH Dividend CAGR:1Y: 0.00%2Y: 0.00%5Y: 4.61%10Y: N/A
BFH - Revenue by Segment
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BFH Revenue CAGR:1Y: -3.55%2Y: -5.39%5Y: -2.86%10Y: -2.88%
BFH - Revenue by Region
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BFH Revenue CAGR:1Y: -3.55%2Y: -5.39%5Y: -2.86%10Y: -2.88%

Revenue, EPS, Net Income & Ebitda - Estimates VS Actual:

BFH - REVENUE: Actual + Estimates
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BFH Actual Revenue CAGR:1Y: -3.55%2Y: -5.39%5Y: -2.86%10Y: -2.88%
BFH - EPS: Actual + Estimates
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BFH Actual EPS CAGR:1Y: 2.96%2Y: -44.67%5Y: 34.57%10Y: 1.83%
BFH - NET INCOME: Actual + Estimates
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BFH Actual Net Income CAGR:1Y: 2.99%2Y: -44.93%5Y: 35.69%10Y: -1.63%
BFH - EBITDA: Actual + Estimates
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BFH Actual EBITDA CAGR:1Y: 3.32%2Y: -50.51%5Y: 27.70%10Y: -5.10%

Ratios, Profit Margins & Return on Capital:

BFH - Net Profit Margin
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BFH Net Profit Margin CAGR:1Y: 6.75%2Y: -41.78%5Y: 39.71%10Y: 1.30%
BFH - Gross Profit Margin
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BFH Gross Profit Margin CAGR:1Y: 4.29%2Y: -24.90%5Y: 1.59%10Y: 6.03%
BFH - Price to Earnings
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BFH - Price To Sales Ratio
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BFH - Return on Capital Employed
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BFH - Return on Invested Capital
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BFH Dividends Info:

Annual Dividend: $0.84
Forward Yield: 1.47%
Ex-Dividend Date: 2025-05-09
Lifetime Dividends / Share: $10.56

BFH Dividend History: Dates, Payments & Yield list

Below is a schedule of all BFH dividend payments, ex-dates, share price on the day of the payment as well as TTM & forward yield

Ex-Date Payment Date Amount TTM Yield Forward Yield Price on Ex-Date
05/09/202506/13/2025$0.2101.66%1.66%$50.72
02/14/202503/21/2025$0.2101.35%1.68%$50.00
11/08/202412/13/2024$0.2101.42%1.29%$65.27
08/09/202409/13/2024$0.2101.64%1.75%$48.10
05/09/202406/14/2024$0.2102.09%2.14%$39.29
02/08/202403/15/2024$0.2102.38%2.26%$37.19
11/10/202312/15/2023$0.2103.04%2.52%$33.39
08/10/202309/15/2023$0.2102.06%2.4%$34.99
05/11/202306/16/2023$0.2103.19%2.73%$30.74
02/09/202303/17/2023$0.2102.05%2.86%$29.38
11/10/202212/16/2022$0.2102.08%2.22%$37.86
08/11/202209/16/2022$0.2101.91%2.24%$37.48
05/12/202206/17/2022$0.2101.65%1.91%$44.07
02/10/202203/18/2022$0.2101.05%1.34%$62.53
11/10/202112/17/2021$0.2100.91%1.25%$66.97
08/12/202109/17/2021$0.1680.9%0.87%$76.95
05/13/202106/18/2021$0.1680.72%0.82%$82.18
02/11/202103/18/2021$0.1681.01%0.74%$90.49
11/12/202012/18/2020$0.1682.03%1.18%$56.99
08/13/202009/18/2020$0.1683.57%1.81%$36.99
05/13/202006/18/2020$0.1685.67%1.72%$38.91
02/13/202003/19/2020$0.5032.44%9.94%$20.24
11/13/201912/17/2019$0.5032.35%2.3%$87.61
09/03/201909/26/2019$0.5032.02%1.97%$101.92
05/13/201906/18/2019$0.5031.69%1.83%$109.68
02/20/201903/19/2019$0.5031.35%1.47%$137.13
11/13/201812/19/2018$0.4551.11%1.44%$126.63
08/13/201809/19/2018$0.4550.98%0.92%$197.42
05/11/201806/19/2018$0.4551.05%0.97%$187.04
02/13/201803/20/2018$0.4550.87%1%$181.61
11/13/201712/19/2017$0.4150.93%0.85%$195.30
08/10/201709/19/2017$0.4150.94%0.97%$171.53
05/11/201706/19/2017$0.4150.62%0.81%$205.32
02/13/201703/17/2017$0.4150.46%0.85%$195.43
11/01/201612/16/2016$0.4150.26%0.91%$182.53

Projected Future Returns & Dividends for BFH

Based on past 10-year performance, here are BFH growth metrics:

Share price CAGR of -13.11%
Dividend CAGR of -7.71%

Using BFH CAGR metrics, we can estimate that your initial $10000 investment, over the next 10 years, should grow as follows:

BFH (DRIP)BFH - No DRIP
Current Price$57.12$57.12
Start Shares175.07175.07
Start Value$10,000$10,000
  
After 10 years:
Final Share Count212.83175.07
Dividends Payment$0.09$0.09
Annual Dividends$80$66
Yield on cost0.80%0.66%
Share Price$16.12$16.12
Total Dividends$1,134$1,052
Final Value$3,432$3,875

Estimated Future Value + Dividends - BFH

NOTE: Above numbers are our estimate based on BFH's Dividend and Price CAGR over past 10 years. These numbers should only be considered as "potential future returns"! DRIP assumes reinvesting dividends; No-DRIP assumes collecting dividends as cash.

We cannot guarantee that your actual returns will meet these estimates.

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Company Info

Bread Financial Holdings, Inc. (BFH) had its IPO on 2001-06-15, and is trader on NYSE stock exchange.

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, account origination, and funding services for approximately 130 private label and co-brand credit card programs, as well as through Bread partnerships to approximately 500 small-and medium-sized businesses merchants; and Comenity-branded general purpose cash-back credit. The company also manages and services the loans it originates for private label, co-brand, and general-purpose credit card programs and Bread BNPL (installment loans, split-pay) products; and provides marketing, and data and analytics services. In addition, it offers an enhanced digital suite that includes a unified software development kit, which provides access to its suite of products, as well as promotes credit payment options earlier in the shopping experience. Further, the company through Bread, a digital payments platform and robust suite of application programming interfaces allows merchants and partners to integrate online point-of-sale financing and other digital payment products, including installment and split-pay solutions. The company was formerly known as Alliance Data Systems Corporation and changed its name to Bread Financial Holdings, Inc. in March 2022. Bread Financial Holdings, Inc. was founded in 1996 and is headquartered in Columbus, Ohio.

BFH website: https://www.breadfinancial.com


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