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Bread Financial Holdings, Inc. BFH | NYSE

$106.09 $0.00 | 0.00%

Next Earnings: Sep 15, 2026

Company Overview:

Market Cap: $0

Trailing PE: 0x

FWD PE *: 8.6x

Payout Ratio (TTM): 7.9%

52-Week Range: $53.83 - $114.53

* Forward PE is based on street estimates.

10 Year BFH Performance Metrics:

Total Return (with DRIP): -26.9% (-3.09% CAGR)

Total Return (no DRIP): -31.6% (-3.72% CAGR)

Share Price: -38.3% (-4.71% CAGR)

Yield on Cost (with DRIP): 0.63%

Total Invested: $10,000

Total Value (with DRIP): $7,308

Total Return $ (with DRIP): -$2,692

Dividend Increase: -44.6% (-5.83% CAGR)

Dividend Yield (FWD): 0.87% ($0.92)

BFH 10-yr Total Return ($10K invested)

1Y 2Y 5Y 10Y All

BFH Share Price chart

Share Price

BFH Price CAGR:1Y: 66.08%2Y: 46.69%5Y: 6.52%10Y: -4.71%

BFH Dividend Charts

BFH - Dividends

BFH Dividend CAGR:1Y: 9.52%2Y: 4.65%5Y: 6.53%10Y: -5.83%

BFH - Dividend Payout Ratio

BFH - Dividend to Free Cash Flow Ratio

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BFH Earnings, Revenue, Cash & Debt, Shares Outstanding:

BFH - Revenue

BFH Revenue CAGR:1Y: 3.39%2Y: 0.34%5Y: 3.25%10Y: -3.79%

BFH - Earnings Per Share (EPS)

BFH EPS CAGR:1Y: 20.75%2Y: 15.74%5Y: -8.28%10Y: 11.09%

BFH - Net Income

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BFH Net Income CAGR:1Y: 5.04%2Y: 4.77%5Y: -11.80%10Y: 0.37%

BFH - EBITDA

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BFH EBITDA CAGR:1Y: 1.03%2Y: -1.49%5Y: -13.34%10Y: -5.49%

BFH - Free Cash Flow

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BFH Free Cash Flow CAGR:1Y: 1.33%2Y: 6.72%5Y: 22.49%10Y: 2.39%

BFH - Free Cash Flow / Share

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BFH Free Cash Flow / Share CAGR:1Y: 18.60%2Y: 18.99%5Y: 27.99%10Y: 6.44%

BFH - Operating Income

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BFH Operating Income CAGR:1Y: 13.22%2Y: 4.62%5Y: -16.08%10Y: -4.75%

BFH - Gross Profit

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BFH Gross Profit CAGR:1Y: 3.82%2Y: 2.36%5Y: 11.82%10Y: 1.70%

BFH - Shares Outstanding

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BFH Shares Outstanding CAGR:1Y: -13.77%2Y: -9.96%5Y: -4.03%10Y: -3.65%

BFH - Share Buybacks

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BFH Share Buybacks CAGR:1Y: 417.02%2Y: 0.00%5Y: 0.00%10Y: 7.88%

BFH - Stock-Based Comp

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BFH Stock-Based Comp CAGR:1Y: 6.67%2Y: 10.94%5Y: 11.70%10Y: -2.91%

BFH - Expenses

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BFH Expenses CAGR:1Y: 0.00%2Y: -33.33%5Y: -29.33%10Y: -22.73%

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 - Revenue by Segment

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BFH Revenue CAGR:1Y: 3.39%2Y: 0.34%5Y: 3.25%10Y: -3.79%

BFH - Revenue by Region

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BFH Revenue CAGR:1Y: 3.39%2Y: 0.34%5Y: 3.25%10Y: -3.79%

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

BFH - REVENUE: Actual + Estimates

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BFH Actual Revenue CAGR:1Y: 3.39%2Y: 0.34%5Y: 3.25%10Y: -3.79%

BFH - EPS: Actual + Estimates

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BFH Actual EPS CAGR:1Y: 20.75%2Y: 15.74%5Y: -8.28%10Y: 11.09%

BFH - NET INCOME: Actual + Estimates

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BFH Actual Net Income CAGR:1Y: 5.04%2Y: 4.77%5Y: -11.80%10Y: 0.37%

BFH - EBITDA: Actual + Estimates

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BFH Actual EBITDA CAGR:1Y: 1.03%2Y: -1.49%5Y: -13.34%10Y: -5.49%

Ratios, Profit Margins & Return on Capital:

BFH - Net Profit Margin

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BFH Net Profit Margin CAGR:1Y: 1.57%2Y: 4.43%5Y: -14.58%10Y: 4.32%

BFH - Gross Profit Margin

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BFH Gross Profit Margin CAGR:1Y: 0.40%2Y: 2.02%5Y: 8.30%10Y: 5.71%

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: $0.92

Forward Yield: 0.87%

Ex-Dividend Date: 2026-08-31

Lifetime Dividends / Share: $11.69

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 the annualized yield & forward yield

Ex-Date	Payment Date	Amount	Yield	Forward Yield	Price on Ex-Date
08/31/2026	09/02/2026	$0.230	0.88%	0.86%	$106.48
05/29/2026	06/01/2026	$0.230	1.03%	1.03%	$89.39
02/27/2026	03/02/2026	$0.230	1.3%	1.28%	$71.99
11/07/2025	11/10/2025	$0.230	1.45%	1.44%	$63.76
08/08/2025	08/11/2025	$0.210	1.44%	1.44%	$58.36
05/09/2025	05/12/2025	$0.210	1.66%	1.56%	$54.00
02/14/2025	02/17/2025	$0.210	1.35%	1.68%	$50.00
11/08/2024	11/11/2024	$0.210	1.42%	1.41%	$59.57
08/09/2024	08/12/2024	$0.210	1.64%	1.68%	$49.93
05/09/2024	05/13/2024	$0.210	2.09%	2.02%	$41.50
02/08/2024	02/12/2024	$0.210	2.38%	2.25%	$37.37
11/10/2023	11/13/2023	$0.210	3.04%	3.13%	$26.81
08/10/2023	08/14/2023	$0.210	2.06%	2.14%	$39.34
05/11/2023	05/15/2023	$0.210	3.19%	3.03%	$27.71
02/09/2023	02/13/2023	$0.210	2.05%	2.02%	$41.58
11/10/2022	12/16/2022	$0.210	2.08%	2.22%	$37.86
08/11/2022	09/16/2022	$0.210	1.91%	2.24%	$37.48
05/12/2022	06/17/2022	$0.210	1.74%	1.91%	$44.07
02/10/2022	03/18/2022	$0.210	1.16%	1.34%	$62.53
11/10/2021	12/17/2021	$0.210	1.08%	1.25%	$66.97
08/12/2021	09/17/2021	$0.168	0.9%	0.87%	$76.95
05/13/2021	06/18/2021	$0.168	0.72%	0.82%	$82.18
02/11/2021	03/18/2021	$0.168	1.01%	0.74%	$90.49
11/12/2020	12/18/2020	$0.168	1.36%	1.18%	$56.99
08/13/2020	09/18/2020	$0.168	1.78%	1.81%	$36.99
05/13/2020	06/18/2020	$0.168	2.27%	1.72%	$38.91
02/13/2020	03/19/2020	$0.503	2.44%	9.94%	$20.24
11/13/2019	12/17/2019	$0.503	2.35%	2.3%	$87.61
09/03/2019	09/26/2019	$0.503	2.07%	1.97%	$101.92
05/13/2019	06/18/2019	$0.503	1.77%	1.83%	$109.68
02/20/2019	03/19/2019	$0.503	1.45%	1.47%	$137.13
11/13/2018	12/19/2018	$0.455	1.11%	1.44%	$126.63
08/13/2018	09/19/2018	$0.455	1%	0.92%	$197.42
05/11/2018	06/19/2018	$0.455	1.1%	0.97%	$187.04
02/13/2018	03/20/2018	$0.455	0.93%	1%	$181.61
11/13/2017	12/19/2017	$0.415	0.93%	0.85%	$195.30
08/10/2017	09/19/2017	$0.415	0.94%	0.97%	$171.53
05/11/2017	06/19/2017	$0.415	0.83%	0.81%	$205.32
02/13/2017	03/17/2017	$0.415	0.91%	0.85%	$195.43
11/01/2016	12/16/2016	$0.415	1.03%	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 -4.71%
Dividend CAGR of -5.9%

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

	BFH (DRIP)	BFH - No DRIP
Current Price	$106.09	$106.09
Start Shares	94.26	94.26
Start Value	$10,000	$10,000

After 10 years:
Final Share Count	102.31	94.26
Dividends Payment	$0.13	$0.13
Annual Dividends	$51	$47
Yield on cost	0.51%	0.47%
Share Price	$65.51	$65.51
Total Dividends	$695	$670
Final Value	$6,702	$6,845

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 2001-06-07, and is trader on NYSE stock exchange.

Bread Financial Holdings, Inc. offers cutting-edge payment and credit solutions to consumers and various industries throughout North America. Their services include comprehensive financing for credit cards and other loans, which involves managing risk, originating accounts, and providing funding for approximately 130 private label and co-branded credit card programs. They also support around 500 small and medium-sized businesses through their Bread partnerships and issue Comenity-branded general purpose cash-back credit cards. The company is responsible for administering and overseeing all loans it generates, covering private label, co-brand, and general-purpose credit card portfolios, as well as its Bread BNPL (Buy Now Pay Later) products, which include installment and split-pay options. Beyond lending, they provide marketing, data, and analytics services. Their enhanced digital toolkit features a unified Software Development Kit (SDK), allowing seamless integration with their product range and encouraging the presentation of credit payment choices earlier in the retail journey. Additionally, the Bread digital payments platform, powered by a comprehensive suite of application programming interfaces (APIs), empowers merchants and partners to readily incorporate online point-of-sale financing, such as installment and split-pay solutions. Established in Columbus, Ohio in 1996, the company was formerly known as Alliance Data Systems Corporation until it rebranded as Bread Financial Holdings, Inc. in March 2022.

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

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