# Bread Financial Holdings Inc. (BFH) fundamentals

Data as of 2026-11-04. NYSE, United States. Sector: Financial Services / Consumer Lending. Price $106.26, market value $4.0 billion.

## Valuation
- **P/E (trailing): 8.3×** (5-yr avg 6.3×, 3-yr avg 6.6×). Bread Financial Holdings Inc. trades at 8.3× trailing earnings, well above its own five-year average of 6.3×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 7.7×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.08**. A PEG of 0.08 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 1.0×**. Each dollar of revenue is priced at 1.0×.
- **Price / book: 1.2×**. The shares trade at 1.2× book value; book value is a meaningful part of the valuation.
- **Earnings yield: 12.0%**. The inverse of the P/E: 12.0% of the price is earned each year.

## Profitability
- **Net margin: 13.5%**. 13.5% of each dollar of sales reaches the bottom line.
- **Return on equity: 15.6%**. 15.6% on shareholders' equity is solid.
- **Return on assets: 2.3%**. Each dollar of assets produces 2.3% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 0.2%** (3-yr 0.2%/yr, 5-yr 46.1%/yr). Revenue grew 0.2% over the last year, against 46.1% a year compounded over five years: growth is slowing.
- **EPS growth (1 yr): 98.4%** (3-yr 34.7%/yr, 5-yr 19.5%/yr). Earnings per share rose 98.4%, faster than revenue, so margins expanded or the share count shrank.

## Financial health
- **Piotroski F-score: 7/9**. 7 of 9 fundamental checks pass: strong and improving financials.
- **Cash and short-term investments: $3.6 billion**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 0.94%** ($0.92 per share, trailing). Bread Financial Holdings Inc. yields 0.94%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 8%**. 8% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 4**. 4 straight years of increases.
- **Dividend growth (5 yr): -3.1%/yr** (1-yr 2.4%). The dividend has not grown over five years.
- **Shareholder yield: 15.7%**. Dividends plus net buybacks return 15.7% of the market value a year.

## Analyst view
- **Analyst consensus: buy** (16 analysts). 16 analysts cover Bread Financial Holdings Inc.; the consensus is buy, with an average price target of $115.25 (+8% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 68.6%** (YTD 44.3%, 3-mo -5.5%). The shares are up 68.6% over twelve months including dividends.
- **From 52-week high: -7.2%** (79.3% above the low). Trading 7% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 56**. An RSI of 56 is neutral.
- **Beta (1 yr): 1.20** (volatility 39%). Beta of 1.20 against the S&P 500: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=BFH · Page: https://foliofundamentals.com/stocks/bfh

Not investment advice.