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Bread Financial Holdings, Inc.

BFH Consumer Discretionary Business Services
$101.87
▲ +0.1% Today
as of Jul 22, 16:46 ET
Last 30 days +0.16% Jun 12 → Jul 22
$92.64 $96.96 $101.28 $105.60 $109.92 Jun 12 Jun 22 Jun 29 Jul 08 Jul 15 Jul 22
Open
$91.61
High
$91.55
Low
$90.08
Volume
$333,940
Avg Vol
$728,717
Mkt Cap
$4.0B
P/E (TTM)
8.25
Beta
52w High
$99.13
52w Low
$49.17
Div Yield
Shares Out
$41M

Recent Press Releases & News last 60 days · 25 items

▸ Show all 25 press releases & news Free account →

Overview

52-week range
$49
$99
100% of range
Avg surprise (last 2)
+53.0%
Avg reaction (last 2)
-1.4%
50% positive
Latest IV / EM
51%
EM ±11.7% · $100 · Aug 21

Earnings trends

EPS — actual vs estimate Actual Estimate
$0.05$1.08$2.10$3.12$4.15 Actual $0.95Actual $3.42Actual $2.70Actual $2.66Actual $0.05Actual $2.86Est $2.10Actual $3.14Est $1.85Actual $3.96Actual $4.15 JunSepMarJunSepMar/2025Jun/2025SepMar
Revenue vs Net Income Revenue Net income
$0$49M$99M$148M$197M Jun 24Sep 24Mar 25Jun 25Sep 25Mar 26

Earnings history

DatePeriodActual EPSEstSurpriseYoY %ΔDay reactSource
Tue Mar 31, 2026Mar 2026 $4.15 financials
Tue Sep 30, 2025Sep 2025 $3.96 financials
Thu Jul 24, 2025Jun/2025 $3.14 $1.85 +69.7% -5.0% earnings
Thu Apr 24, 2025Mar/2025 $2.86 $2.10 +36.2% +2.2% earnings
Mon Sep 30, 2024Sep 2024 $0.05 financials
Sun Jun 30, 2024Jun 2024 $2.66 financials
Sun Mar 31, 2024Mar 2024 $2.70 financials
Sat Sep 30, 2023Sep 2023 $3.42 financials
Fri Jun 30, 2023Jun 2023 $0.95 financials

Upcoming

DateFiscalTimeEPS EstLY EPSYoY %Δ
Thu Jul 23, 2026Jun/2026BMO $2.43$3.14 -22.6%

Financials

Income statement (quarterly)

MetricMar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024
Revenue
Cost of revenue
Gross profit
Operating income
Net income$181M$188M$139M$138M$2M$133M
EPS (diluted)$4.15$3.96$2.94$2.78$0.05$2.66

Balance sheet (quarterly)

MetricMar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024
Cash & equivalents$3.64B$3.60B$3.76B$3.80B$4.21B$3.68B$3.45B$4.05B
Inventory
Total current assets
Total assets$22.31B$22.66B$21.71B$21.82B$22.38B$22.89B$21.74B$22.14B
Long-term debt$3.79B$4.23B$5.12B$5.56B$4.58B
Total liabilities$18.98B$19.34B$18.40B$18.66B$19.31B$19.84B$18.62B$18.97B
Total equity$3.33B$3.33B$3.32B$3.17B$3.07B$3.05B$3.11B$3.17B

Implied volatility — last 90 days

33%55%78%100%122% Jun 07 — IV 46% · EM ±6.4%Jun 08 — IV 52% · EM ±6.8%Jun 09 — IV 52% · EM ±6.5%Jun 10 — IV 50% · EM ±5.9%Jun 11 — IV 49% · EM ±5.4%Jun 12 — IV 50% · EM ±5.1%Jun 15 — IV 64% · EM ±4.7%Jun 16 — IV 62% · EM ±3.7%Jun 17 — IV 123% · EM ±5.1%Jun 19 — IV 41% · EM ±9.0%Jun 22 — IV 40% · EM ±8.3%Jun 23 — IV 41% · EM ±8.3%Jun 24 — IV 43% · EM ±8.5%Jun 25 — IV 40% · EM ±7.9%Jun 26 — IV 38% · EM ±7.3%Jun 29 — IV 39% · EM ±6.9%Jun 30 — IV 41% · EM ±7.1%Jul 01 — IV 39% · EM ±6.6%Jul 02 — IV 38% · EM ±6.2%Jul 03 — IV 39% · EM ±6.2%Jul 06 — IV 45% · EM ±6.2%Jul 07 — IV 48% · EM ±6.3%Jul 08 — IV 56% · EM ±7.0%Jul 09 — IV 45% · EM ±5.3%Jul 10 — IV 33% · EM ±3.7%Jul 13 — IV 46% · EM ±3.8%Jul 14 — IV 53% · EM ±3.9%Jul 15 — IV 63% · EM ±3.7%Jul 16 — IV 102% · EM ±4.3%Jul 20 — IV 49% · EM ±11.6%Jul 21 — IV 51% · EM ±11.9%Jul 22 — IV 51% · EM ±11.7%

Sector peers

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