BREAD FINANCIAL HOLDINGS INC (BFH) Stock Fundamental Analysis

USA • New York Stock Exchange • NYSE:BFH • US0185811082

77.19 USD
+0.69 (+0.9%)
At close: Feb 5, 2026
77.19 USD
0 (0%)
After Hours: 2/5/2026, 8:10:51 PM
Fundamental Rating

5

Overall BFH gets a fundamental rating of 5 out of 10. We evaluated BFH against 54 industry peers in the Consumer Finance industry. BFH has only an average score on both its financial health and profitability. BFH is cheap, but on the other hand it scores bad on growth. These ratings would make BFH suitable for value investing!


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • BFH had positive earnings in the past year.
  • In the past year BFH had a positive cash flow from operations.
  • In the past 5 years BFH has always been profitable.
  • BFH had a positive operating cash flow in 4 of the past 5 years.
BFH Yearly Net Income VS EBIT VS OCF VS FCFBFH Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B

1.2 Ratios

  • The Return On Assets of BFH (2.17%) is comparable to the rest of the industry.
  • BFH has a Return On Equity (14.23%) which is in line with its industry peers.
  • Looking at the Return On Invested Capital, with a value of 5.23%, BFH is in line with its industry, outperforming 57.41% of the companies in the same industry.
  • The Average Return On Invested Capital over the past 3 years for BFH is significantly below the industry average of 12.42%.
Industry RankSector Rank
ROA 2.17%
ROE 14.23%
ROIC 5.23%
ROA(3y)2.2%
ROA(5y)2.23%
ROE(3y)16.42%
ROE(5y)19.5%
ROIC(3y)5.49%
ROIC(5y)4.88%
BFH Yearly ROA, ROE, ROICBFH Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30 40

1.3 Margins

  • The Profit Margin of BFH (10.52%) is comparable to the rest of the industry.
  • In the last couple of years the Profit Margin of BFH has grown nicely.
  • BFH's Operating Margin of 32.03% is amongst the best of the industry. BFH outperforms 85.19% of its industry peers.
  • In the last couple of years the Operating Margin of BFH has grown nicely.
  • BFH has a Gross Margin of 92.67%. This is amongst the best in the industry. BFH outperforms 88.89% of its industry peers.
  • BFH's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 32.03%
PM (TTM) 10.52%
GM 92.67%
OM growth 3Y20.69%
OM growth 5Y9.13%
PM growth 3Y30.78%
PM growth 5Y15.37%
GM growth 3Y0.41%
GM growth 5Y0.72%
BFH Yearly Profit, Operating, Gross MarginsBFH Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

5

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so BFH is still creating some value.
  • The number of shares outstanding for BFH has been reduced compared to 1 year ago.
  • BFH has less shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, BFH has an improved debt to assets ratio.
BFH Yearly Shares OutstandingBFH Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10M 20M 30M 40M 50M
BFH Yearly Total Debt VS Total AssetsBFH Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10B 20B 30B

2.2 Solvency

  • BFH has an Altman-Z score of 0.95. This is a bad value and indicates that BFH is not financially healthy and even has some risk of bankruptcy.
  • BFH has a better Altman-Z score (0.95) than 64.81% of its industry peers.
  • The Debt to FCF ratio of BFH is 8.77, which is on the high side as it means it would take BFH, 8.77 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of BFH (8.77) is better than 62.96% of its industry peers.
  • BFH has a Debt/Equity ratio of 5.22. This is a high value indicating a heavy dependency on external financing.
  • BFH has a worse Debt to Equity ratio (5.22) than 66.67% of its industry peers.
Industry RankSector Rank
Debt/Equity 5.22
Debt/FCF 8.77
Altman-Z 0.95
ROIC/WACC1.6
WACC3.27%
BFH Yearly LT Debt VS Equity VS FCFBFH Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B

2.3 Liquidity

  • BFH has a Current Ratio of 1.43. This is a normal value and indicates that BFH is financially healthy and should not expect problems in meeting its short term obligations.
  • BFH's Current ratio of 1.43 is fine compared to the rest of the industry. BFH outperforms 61.11% of its industry peers.
  • BFH has a Quick Ratio of 1.43. This is a normal value and indicates that BFH is financially healthy and should not expect problems in meeting its short term obligations.
  • The Quick ratio of BFH (1.43) is better than 61.11% of its industry peers.
Industry RankSector Rank
Current Ratio 1.43
Quick Ratio 1.43
BFH Yearly Current Assets VS Current LiabilitesBFH Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B 20B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 47.75% over the past year.
  • The Earnings Per Share has been growing slightly by 2.94% on average over the past years.
  • Looking at the last year, BFH shows a decrease in Revenue. The Revenue has decreased by -3.14% in the last year.
  • The Revenue has been growing slightly by 3.44% on average over the past years.
EPS 1Y (TTM)47.75%
EPS 3Y34.31%
EPS 5Y2.94%
EPS Q2Q%728.57%
Revenue 1Y (TTM)-3.14%
Revenue growth 3Y1.27%
Revenue growth 5Y3.44%
Sales Q2Q%5.29%

3.2 Future

  • Based on estimates for the next years, BFH will show a decrease in Earnings Per Share. The EPS will decrease by -7.92% on average per year.
  • The Revenue is expected to grow by 2.16% on average over the next years.
EPS Next Y-8.24%
EPS Next 2Y3.72%
EPS Next 3Y1.03%
EPS Next 5Y-7.92%
Revenue Next Year3.05%
Revenue Next 2Y3.47%
Revenue Next 3Y3.82%
Revenue Next 5Y2.16%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
BFH Yearly Revenue VS EstimatesBFH Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2B 4B 6B
BFH Yearly EPS VS EstimatesBFH Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 5 10 15 20

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Find the best growth stocksShow best growing peers

7

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 7.13, the valuation of BFH can be described as very cheap.
  • Compared to the rest of the industry, the Price/Earnings ratio of BFH indicates a somewhat cheap valuation: BFH is cheaper than 66.67% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.67, BFH is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 7.77, the valuation of BFH can be described as very cheap.
  • Based on the Price/Forward Earnings ratio, BFH is valued a bit cheaper than 70.37% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of BFH to the average of the S&P500 Index (27.20), we can say BFH is valued rather cheaply.
Industry RankSector Rank
PE 7.13
Fwd PE 7.77
BFH Price Earnings VS Forward Price EarningsBFH Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, BFH is valued cheaply inside the industry as 83.33% of the companies are valued more expensively.
  • Based on the Price/Free Cash Flow ratio, BFH is valued cheaper than 85.19% of the companies in the same industry.
Industry RankSector Rank
P/FCF 1.78
EV/EBITDA 2.33
BFH Per share dataBFH EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 20 40 60 80

4.3 Compensation for Growth

  • BFH has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)2.43
EPS Next 2Y3.72%
EPS Next 3Y1.03%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

4

5. Dividend

5.1 Amount

  • BFH has a Yearly Dividend Yield of 1.20%.
  • BFH's Dividend Yield is comparable with the industry average which is at 2.67.
  • BFH's Dividend Yield is slightly below the S&P500 average, which is at 1.82.
Industry RankSector Rank
Dividend Yield 1.2%

5.2 History

  • The dividend of BFH decreases each year by -19.10%.
  • BFH has paid a dividend for at least 10 years, which is a reliable track record.
  • BFH has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)-19.1%
Div Incr Years0
Div Non Decr Years3
BFH Yearly Dividends per shareBFH Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5 2

5.3 Sustainability

  • BFH pays out 8.90% of its income as dividend. This is a sustainable payout ratio.
  • The Dividend Rate of BFH has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DP8.9%
EPS Next 2Y3.72%
EPS Next 3Y1.03%
BFH Yearly Income VS Free CF VS DividendBFH Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B 1.5B 2B 2.5B
BFH Dividend Payout.BFH Dividend Payout, showing the Payout Ratio.BFH Dividend Payout.PayoutRetained Earnings

More info and screens

Find the best dividend stocksShow peers with best dividend

BREAD FINANCIAL HOLDINGS INC

NYSE:BFH (2/5/2026, 8:10:51 PM)

After market: 77.19 0 (0%)

77.19

+0.69 (+0.9%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)01-29
Earnings (Next)04-22
Inst Owners111.11%
Inst Owner ChangeN/A
Ins Owners1.06%
Ins Owner Change-0.33%
Market Cap3.52B
Revenue(TTM)4.50B
Net Income(TTM)472.00M
Analysts68.57
Price Target83.78 (8.54%)
Short Float %10.28%
Short Ratio5.38
Dividend
Industry RankSector Rank
Dividend Yield 1.2%
Yearly Dividend0.87
Dividend Growth(5Y)-19.1%
DP8.9%
Div Incr Years0
Div Non Decr Years3
Ex-Date02-27
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)71.88%
Min EPS beat(2)55.06%
Max EPS beat(2)88.7%
EPS beat(4)3
Avg EPS beat(4)26.97%
Min EPS beat(4)-58.34%
Max EPS beat(4)88.7%
EPS beat(8)5
Avg EPS beat(8)42.95%
EPS beat(12)9
Avg EPS beat(12)98.29%
EPS beat(16)10
Avg EPS beat(16)66.64%
Revenue beat(2)0
Avg Revenue beat(2)-1.24%
Min Revenue beat(2)-2.14%
Max Revenue beat(2)-0.34%
Revenue beat(4)1
Avg Revenue beat(4)-1.7%
Min Revenue beat(4)-5.07%
Max Revenue beat(4)0.74%
Revenue beat(8)3
Avg Revenue beat(8)-0.79%
Revenue beat(12)6
Avg Revenue beat(12)3.96%
Revenue beat(16)9
Avg Revenue beat(16)3.91%
PT rev (1m)8.73%
PT rev (3m)12.28%
EPS NQ rev (1m)30.47%
EPS NQ rev (3m)32.57%
EPS NY rev (1m)0.31%
EPS NY rev (3m)20.41%
Revenue NQ rev (1m)-0.34%
Revenue NQ rev (3m)-0.53%
Revenue NY rev (1m)-0.05%
Revenue NY rev (3m)-0.41%
Valuation
Industry RankSector Rank
PE 7.13
Fwd PE 7.77
P/S 0.79
P/FCF 1.78
P/OCF 1.76
P/B 1.06
P/tB 1.36
EV/EBITDA 2.33
EPS(TTM)10.83
EY14.03%
EPS(NY)9.94
Fwd EY12.87%
FCF(TTM)43.28
FCFY56.06%
OCF(TTM)43.87
OCFY56.83%
SpS98.27
BVpS72.65
TBVpS56.81
PEG (NY)N/A
PEG (5Y)2.43
Graham Number133.05
Profitability
Industry RankSector Rank
ROA 2.17%
ROE 14.23%
ROCE 17.57%
ROIC 5.23%
ROICexc 6.32%
ROICexgc 7.09%
OM 32.03%
PM (TTM) 10.52%
GM 92.67%
FCFM 44.04%
ROA(3y)2.2%
ROA(5y)2.23%
ROE(3y)16.42%
ROE(5y)19.5%
ROIC(3y)5.49%
ROIC(5y)4.88%
ROICexc(3y)6.64%
ROICexc(5y)5.85%
ROICexgc(3y)7.15%
ROICexgc(5y)6.25%
ROCE(3y)19.6%
ROCE(5y)16.11%
ROICexgc growth 3Y28.07%
ROICexgc growth 5Y-9.23%
ROICexc growth 3Y25.6%
ROICexc growth 5Y-2.88%
OM growth 3Y20.69%
OM growth 5Y9.13%
PM growth 3Y30.78%
PM growth 5Y15.37%
GM growth 3Y0.41%
GM growth 5Y0.72%
F-Score6
Asset Turnover0.21
Health
Industry RankSector Rank
Debt/Equity 5.22
Debt/FCF 8.77
Debt/EBITDA 11.4
Cap/Depr 32.53%
Cap/Sales 0.6%
Interest Coverage 250
Cash Conversion 131.78%
Profit Quality 418.64%
Current Ratio 1.43
Quick Ratio 1.43
Altman-Z 0.95
F-Score6
WACC3.27%
ROIC/WACC1.6
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)47.75%
EPS 3Y34.31%
EPS 5Y2.94%
EPS Q2Q%728.57%
EPS Next Y-8.24%
EPS Next 2Y3.72%
EPS Next 3Y1.03%
EPS Next 5Y-7.92%
Revenue 1Y (TTM)-3.14%
Revenue growth 3Y1.27%
Revenue growth 5Y3.44%
Sales Q2Q%5.29%
Revenue Next Year3.05%
Revenue Next 2Y3.47%
Revenue Next 3Y3.82%
Revenue Next 5Y2.16%
EBIT growth 1Y4.51%
EBIT growth 3Y22.22%
EBIT growth 5Y12.88%
EBIT Next Year-60.27%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y1.49%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y0.3%
OCF growth 3YN/A
OCF growth 5YN/A

BREAD FINANCIAL HOLDINGS INC / BFH FAQ

Can you provide the ChartMill fundamental rating for BREAD FINANCIAL HOLDINGS INC?

ChartMill assigns a fundamental rating of 5 / 10 to BFH.


What is the valuation status of BREAD FINANCIAL HOLDINGS INC (BFH) stock?

ChartMill assigns a valuation rating of 7 / 10 to BREAD FINANCIAL HOLDINGS INC (BFH). This can be considered as Undervalued.


What is the profitability of BFH stock?

BREAD FINANCIAL HOLDINGS INC (BFH) has a profitability rating of 6 / 10.


What is the earnings growth outlook for BREAD FINANCIAL HOLDINGS INC?

The Earnings per Share (EPS) of BREAD FINANCIAL HOLDINGS INC (BFH) is expected to decline by -8.24% in the next year.


Can you provide the dividend sustainability for BFH stock?

The dividend rating of BREAD FINANCIAL HOLDINGS INC (BFH) is 4 / 10 and the dividend payout ratio is 8.9%.