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Bread Financial Holdings, Inc.

BFH Consumer Discretionary Business Services
$110.87
▼ -0.1% Today
as of Sep 4, 16:46 ET
Last 30 days +2.87% Jul 28 → Sep 04
$101.14 $104.43 $107.73 $111.02 $114.31 Jul 28 Aug 05 Aug 12 Aug 20 Aug 27 Sep 04
Open
$107.07
High
$110.97
Low
$107.65
Volume
$697,271
Avg Vol
$720,048
Mkt Cap
$4.2B
P/E (TTM)
9.51
Beta
—
52w High
$114.53
52w Low
$53.83
Div Yield
—
Shares Out
$39M

Recent Press Releases & News last 60 days · 25 items

Sep 1 · 15:40 Zacks
BFH or HASI: Which Is the Better Value Stock Right Now?
Aug 25 · 09:28 MT Newswires
Wolfe Research Upgrades Bread Financial to Outperform From Peer Perform, Price Target is $130
Aug 17 · 11:58 MT Newswires
Bread Financial's July Delinquencies Decline, Loans Increase
▸ Show all 25 press releases & news Free account →

Overview

52-week range
$54
$115
94% of range
Avg surprise (last 2)
+53.0%
Avg reaction (last 2)
-1.4%
50% positive
Latest IV / EM
33%
EM ±5.2% · $110 · Sep 18

Earnings trends

EPS — actual vs estimate Actual Estimate
$0.05$2.31$4.56$6.82$9.08 Actual $9.08Actual $0.95Actual $3.42Actual $2.70Actual $2.66Actual $0.05Actual $2.86Est $2.10Actual $3.14Est $1.85Actual $3.96Actual $4.15Actual $3.55 MarJunSepMarJunSepMar/2025Jun/2025SepMarJun
Revenue vs Net Income Revenue Net income
$0$49M$99M$148M$197M Sep 24Mar 25Jun 25Sep 25Mar 26Jun 26

Earnings history

DatePeriodActual EPSEstSurpriseYoY %ΔDay reactSource
Tue Jun 30, 2026Jun 2026 $3.55 — — — — financials
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
Fri Mar 31, 2023Mar 2023 $9.08 — — — — financials

Financials

Income statement (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Revenue————————
Cost of revenue————————
Gross profit————————
Operating income————————
Net income$146M$181M—$188M$139M$138M—$2M
EPS (diluted)$3.55$4.15—$3.96$2.94$2.78—$0.05

Balance sheet (quarterly)

MetricJun 2026Mar 2026Dec 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024
Cash & equivalents$3.68B$3.64B$3.60B$3.76B$3.80B$4.21B$3.68B$3.45B
Inventory————————
Total current assets————————
Total assets$22.45B$22.31B$22.66B$21.71B$21.82B$22.38B$22.89B$21.74B
Long-term debt———$3.79B$4.23B$5.12B$5.56B$4.58B
Total liabilities$19.09B$18.98B$19.34B$18.40B$18.66B$19.31B$19.84B$18.62B
Total equity$3.37B$3.33B$3.33B$3.32B$3.17B$3.07B$3.05B$3.11B

Implied volatility — last 90 days

33%55%77%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%Jul 23 — IV 38% · EM ±8.6%Jul 24 — IV 38% · EM ±8.5%Jul 27 — IV 34% · EM ±7.1%Jul 28 — IV 41% · EM ±8.4%Jul 29 — IV 44% · EM ±8.8%Jul 30 — IV 36% · EM ±7.1%Jul 31 — IV 39% · EM ±7.4%Aug 03 — IV 40% · EM ±7.1%Aug 04 — IV 43% · EM ±7.4%Aug 05 — IV 45% · EM ±7.5%Aug 06 — IV 37% · EM ±6.0%Aug 07 — IV 38% · EM ±5.9%Aug 10 — IV 41% · EM ±5.7%Aug 11 — IV 39% · EM ±5.1%Aug 12 — IV 35% · EM ±4.4%Aug 13 — IV 41% · EM ±4.8%Aug 14 — IV 34% · EM ±3.7%Aug 17 — IV 46% · EM ±3.8%Aug 18 — IV 50% · EM ±3.6%Aug 19 — IV 46% · EM ±2.7%Aug 20 — IV 57% · EM ±2.4%Aug 24 — IV 38% · EM ±7.9%Aug 25 — IV 40% · EM ±8.2%Aug 26 — IV 37% · EM ±7.3%Aug 27 — IV 38% · EM ±7.5%Aug 28 — IV 37% · EM ±7.0%Aug 31 — IV 36% · EM ±6.3%Sep 01 — IV 40% · EM ±7.0%Sep 02 — IV 38% · EM ±6.3%Sep 03 — IV 34% · EM ±5.5%Sep 04 — IV 33% · EM ±5.2%

Sector peers

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PG
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