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Bread Financial Holdings, Inc.(BFH)Earnings, Financials & Key Ratios
BFH•NYSE•Banking & Credit
$85.09
$3.91B mkt cap·7.8× P/E·Price updated May 6, 2026
SectorFinancial ServicesIndustryCredit ServicesSub-IndustryConsumer Credit Issuers and Installment Lenders
AboutBread Financial Holdings, Inc. provides tech-forward payment and lending solutions to customers and consumer-based industries in North America. It offers credit card and other loans financing services, including risk management solutions, account origination, and funding services for approximately 130 private label and co-brand credit card programs, as well as through Bread partnerships to approximately 500 small-and medium-sized businesses merchants; and Comenity-branded general purpose cash-back credit. The company also manages and services the loans it originates for private label, co-brand, and general-purpose credit card programs and Bread BNPL (installment loans, split-pay) products; and provides marketing, and data and analytics services. In addition, it offers an enhanced digital suite that includes a unified software development kit, which provides access to its suite of products, as well as promotes credit payment options earlier in the shopping experience. Further, the company through Bread, a digital payments platform and robust suite of application programming interfaces allows merchants and partners to integrate online point-of-sale financing and other digital payment products, including installment and split-pay solutions. The company was formerly known as Alliance Data Systems Corporation and changed its name to Bread Financial Holdings, Inc. in March 2022. Bread Financial Holdings, Inc. was founded in 1996 and is headquartered in Columbus, Ohio.Show more
- Net Interest Income$4.06B-0.1%
- Total Revenue$4.7B-2.1%
- Net Income$518M+87.0%
- Return on Equity16.24%+75.0%
- Net Interest Margin17.91%+0.9%
- Efficiency Ratio50.27%+17.1%
- ROA2.27%+89.0%
- Equity / Assets14.68%+10.1%
- Book Value per Share72.33+19.5%
- Tangible BV/Share56.76+24.1%
- Debt/Equity1.32-29.1%
BFH Key Insights
Bread Financial Holdings, Inc. (BFH) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong 5Y profit CAGR of 19.3%
- ✓Strong Piotroski F-Score: 7/9
- ✓Strong NIM of 17.9%
- ✓Efficient operations: 50.3% efficiency ratio
- ✓Momentum leader: RS Rating 80 (top 20%)
- ✓Well capitalized: 14.7% equity/assets
✗Weaknesses
No significant weaknesses identified
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
BFH Price & Volume
Bread Financial Holdings, Inc. (BFH) stock price & volume — 10-year historical chart
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BFH Growth Metrics
Bread Financial Holdings, Inc. (BFH) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-3.1%
5 Years7.34%
3 Years2.43%
TTM-
Profit CAGR
10 Years-1.4%
5 Years19.34%
3 Years32.44%
TTM87.68%
EPS CAGR
10 Years2.16%
5 Years19.7%
3 Years34.95%
TTM96.05%
Return on Capital
10 Years7.44%
5 Years6.94%
3 Years7.25%
Last Year7.26%
BFH Recent Earnings
Bread Financial Holdings, Inc. (BFH) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 10/12 qtrs (83%)●Beat Revenue 8/12 qtrs (67%)
Q2 2026Latest
Apr 23, 2026EPS
$4.18
Est $3.00
+39.3%
Revenue
$1.0B
Est $994M
+2.5%
Q1 2026
Jan 29, 2026EPS
$2.07
Est $0.40
+417.5%
Revenue
$975M
Est $953M
+2.3%
Q4 2025
Oct 23, 2025EPS
$4.02
Est $2.11
+90.5%
Revenue
$971M
Est $968M
+0.3%
Q3 2025
Jul 24, 2025EPS
$3.14
Est $1.85
+69.7%
Revenue
$926M
Est $974M
-4.9%
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 23, 2026 | $4.18vs $3.00+39.3% | $1.0Bvs $994M+2.5% |
| Q1 2026 | Jan 29, 2026 | $2.07vs $0.40+417.5% | $975Mvs $953M+2.3% |
| Q4 2025 | Oct 23, 2025 | $4.02vs $2.11+90.5% | $971Mvs $968M+0.3% |
| Q3 2025 | Jul 24, 2025 | $3.14vs $1.85+69.7% | $926Mvs $974M-4.9% |
Based on last 12 quarters of dataView full earnings history →
BFH Peer Comparison
Bread Financial Holdings, Inc. (BFH) competitors in Consumer Credit Issuers and Installment Lenders — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 SYF | 25.65B | 73.78 | 7.94 | -7.91% | 18.58% | 21.41% | 38.41% | 0.91 |
 COF | 117.42B | 189.68 | 47.07 | 28.39% | 3.54% | 2.44% | 22.26% | 0.45 |
 OMF | 6.45B | 55.05 | 8.39 | 9.09% | 12.54% | 23.62% | 48.53% | 6.67 |
 ALLY | 13.33B | 43.21 | 18.23 | -25.75% | 7.01% | 5.5% | 1.40 | |
 CACC | 5.48B | 525.67 | 14.00 | 8.57% | 18.29% | 29.39% | 19.22% | 4.17 |
 ENVA | 4.22B | 169.28 | 14.62 | 18.58% | 9.79% | 24.88% | 41.96% | 3.41 |
 WRLD | 711.12M | 141.15 | 8.66 | -1.46% | 15.89% | 10.79% | 35.22% | 1.20 |
 ATLC | 1.16B | 77.59 | 13.02 | 53.29% | 17.35% | 21.1% | 54.7% | 10.84 |
Compare BFH vs Peers
Bread Financial Holdings, Inc. (BFH) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
BFH Income Statement
Bread Financial Holdings, Inc. (BFH) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | -173.7M | -156.4M | -130M | 3.45B | 3.48B | 4.18B | 4.27B | 4.06B | 4.06B |
| NII Growth % | 20.39% | 9.96% | 16.88% | 2756.15% | 0.93% | 19.97% | 2.03% | -4.74% | -0.12% |
| Net Interest Margin % | -0.57% | -0.51% | -0.49% | 15.31% | 16.03% | 16.46% | 18.43% | 17.75% | 17.91% |
| Interest Income | 0 | 0 | 4.83B | 3.95B | 3.87B | 4.68B | 5.14B | 5.02B | 4.91B |
| Interest Expense | 173.7M | 156.4M | 638M | 499M | 383M | 503M | 879M | 960M | 854M |
| Loan Loss Provision | 2.75B | 2.92B | 2.62B | 2.07B | 1.21B | 1.59B | 1.23B | 1.4B | 869M |
| Non-Interest Income | 5.47B | 5.67B | -1.48B | -654M | -598M | -311M | 29M | -226M | -214M |
| Non-Interest Income % | 100% | 100% | -44.18% | -19.83% | -18.29% | -7.11% | 0.56% | -4.71% | -4.55% |
| Total Revenue | 5.47B▲ 0% | 5.67B▲ 3.5% | 3.35B▼ 40.9% | 3.3B▼ 1.5% | 3.27B▼ 0.8% | 4.37B▲ 33.7% | 5.17B▲ 18.3% | 4.8B▼ 7.3% | 4.7B▼ 2.1% |
| Revenue Growth % | -23.3% | 3.51% | -40.92% | -1.49% | -0.85% | 33.73% | 18.32% | -7.27% | -2.06% |
| Non-Interest Expense | 1.03B | 829.8M | -1.22B | -161.6M | 633M | 1.98B | 2.1B | 2.06B | 2.36B |
| Efficiency Ratio | 18.85% | 14.64% | -36.33% | -4.9% | 19.36% | 45.19% | 40.55% | 42.93% | 50.27% |
| Operating Income | 1.52B▲ 0% | 1.76B▲ 15.8% | 1.31B▼ 25.6% | 888.4M▼ 32.0% | 1.04B▲ 17.5% | 300M▼ 71.3% | 968M▲ 222.7% | 381M▼ 60.6% | 614M▲ 61.2% |
| Operating Margin % | 27.73% | 31.01% | 39.05% | 26.94% | 31.93% | 6.86% | 18.71% | 7.94% | 13.07% |
| Operating Income Growth % | 19.94% | 15.77% | -25.6% | -32.05% | 17.51% | -71.26% | 222.67% | -60.64% | 61.15% |
| Pretax Income | 1.06B▲ 0% | 1.22B▲ 14.4% | 662M▼ 45.5% | 301M▼ 54.5% | 1.04B▲ 246.8% | 300M▼ 71.3% | 968M▲ 222.7% | 381M▼ 60.6% | 614M▲ 61.2% |
| Pretax Margin % | 19.41% | 21.44% | 19.77% | 9.13% | 31.93% | 6.86% | 18.71% | 7.94% | 13.07% |
| Income Tax | 293.3M | 269.5M | 156M | 93M | 247M | 76M | 231M | 102M | 92M |
| Effective Tax Rate % | 27.6% | 22.18% | 23.56% | 30.9% | 23.66% | 25.33% | 23.86% | 26.77% | 14.98% |
| Net Income | 788.7M▲ 0% | 963.1M▲ 22.1% | 278M▼ 71.1% | 214M▼ 23.0% | 801M▲ 274.3% | 223M▼ 72.2% | 718M▲ 222.0% | 277M▼ 61.4% | 518M▲ 87.0% |
| Net Margin % | 14.41% | 17% | 8.3% | 6.49% | 24.5% | 5.1% | 13.88% | 5.77% | 11.02% |
| Net Income Growth % | 52.91% | 22.11% | -71.13% | -23.02% | 274.3% | -72.16% | 221.97% | -61.42% | 87% |
| Net Income (Continuing) | 769.2M | 945.5M | 506M | 208M | 797M | 224M | 737M | 279M | 522M |
| EPS (Diluted) | 14.10▲ 0% | 17.48▲ 24.0% | 11.45▼ 34.5% | 4.46▼ 61.0% | 16.02▲ 259.2% | 4.46▼ 72.2% | 14.36▲ 222.0% | 5.50▼ 61.7% | 10.96▲ 99.3% |
| EPS Growth % | 92.1% | 23.97% | -34.5% | -61.05% | 259.19% | -72.16% | 221.97% | -61.7% | 99.27% |
| EPS (Basic) | 14.17 | 17.54 | 11.45 | 4.47 | 16.12 | 4.47 | 14.42 | 5.58 | 11.13 |
| Diluted Shares Outstanding | 55.9M | 55.1M | 50M | 47.9M | 50M | 50M | 50M | 50.4M | 46M |
BFH Balance Sheet
Bread Financial Holdings, Inc. (BFH) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 4.19B | 3.82B | 3.87B | 2.8B | 3.22B | 3.99B | 3.76B | 3.85B | 3.77B |
| Cash & Due from Banks | 4.19B | 3.82B | 3.87B | 2.8B | 3.05B | 3.89B | 3.59B | 3.68B | 3.6B |
| Short Term Investments | 0 | 0 | 0 | 0 | 175M | 95M | 171M | 170M | 171M |
| Total Investments | 0 | 0 | 561.5M | 17.46B | 464M | 19.13B | 17.26B | 16.92B | 16.98B |
| Investments Growth % | - | - | - | 3010.24% | -97.34% | 4022.41% | -9.78% | -1.95% | 0.37% |
| Long-Term Investments | 0 | 0 | 0 | 17.24B | 289M | 19.03B | 17.09B | 16.75B | 16.81B |
| Accounts Receivables | -13.47B | -13.01B | -13.05B | -11.09B | 151M | 164M | 144M | 145M | 148M |
| Goodwill & Intangibles | 4.68B | 1.17B | 1.11B | 711M | 687M | 799M | 762M | 746M | 716M |
| Goodwill | 3.88B | 954.8M | 954.9M | 634M | 634M | 634M | 634M | 634M | 634M |
| Intangible Assets | 800.6M | 217.4M | 153.3M | 77M | 53M | 165M | 128M | 112M | 82M |
| PP&E (Net) | 613.9M | 288.2M | 546.6M | 332M | 312M | 283M | 265M | 229M | 180M |
| Other Assets | 656.5M | 4.17B | 682.1M | 901.7M | 340M | 554M | 467M | 428M | 392M |
| Total Current Assets | 24.71B | 24.71B | 24.11B | 3.07B | 19.82B | 4.19B | 3.93B | 4.03B | 3.95B |
| Total Non-Current Assets | 5.98B | 5.68B | 2.38B | 19.47B | 1.93B | 21.22B | 19.21B | 18.86B | 18.72B |
| Total Assets | 30.68B▲ 0% | 30.39B▼ 1.0% | 26.49B▼ 12.8% | 22.55B▼ 14.9% | 21.75B▼ 3.6% | 25.41B▲ 16.8% | 23.14B▼ 8.9% | 22.89B▼ 1.1% | 22.66B▼ 1.0% |
| Asset Growth % | 20.27% | -0.97% | -12.81% | -14.9% | -3.55% | 16.84% | -8.92% | -1.08% | -1% |
| Return on Assets (ROA) | 2.81% | 3.15% | 0.98% | 0.87% | 3.62% | 0.95% | 2.96% | 1.2% | 2.27% |
| Accounts Payable | 651.2M | 486.2M | 300.8M | 354M | 291M | 398M | 422M | 326M | 289M |
| Total Debt | 14.89B | 13.38B | 10.45B | 8.7B | 7.58B | 8.13B | 5.44B | 5.68B | 4.39B |
| Net Debt | 10.7B | 9.56B | 6.57B | 5.9B | 4.53B | 4.24B | 1.85B | 2.01B | 789M |
| Long-Term Debt | 13.42B | 10.52B | 7B | 8.5B | 7.44B | 8.01B | 5.29B | 5.56B | 4.31B |
| Short-Term Debt | 1.47B | 2.86B | 3.13B | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Liabilities | 4.94B | 5.69B | 5.55B | 431.4M | -177M | 173M | 182M | 202M | 259M |
| Total Current Liabilities | 10.15B | 11.48B | 11.87B | 11.47B | 11.95B | 14.84B | 14.6B | 13.95B | 14.68B |
| Total Non-Current Liabilities | 18.68B | 16.57B | 13.03B | 9.56B | 7.71B | 8.31B | 5.62B | 5.89B | 4.65B |
| Total Liabilities | 28.83B | 28.06B | 24.91B | 21.02B | 19.66B | 23.14B | 20.22B | 19.84B | 19.34B |
| Total Equity | 1.86B▲ 0% | 2.33B▲ 25.7% | 1.59B▼ 31.9% | 1.52B▼ 4.2% | 2.09B▲ 37.1% | 2.27B▲ 8.6% | 2.92B▲ 28.8% | 3.05B▲ 4.6% | 3.33B▲ 9.0% |
| Equity Growth % | 11.89% | 25.7% | -31.89% | -4.17% | 37.06% | 8.58% | 28.83% | 4.56% | 9.05% |
| Equity / Assets (Capital Ratio) | 6.05% | 7.67% | 5.99% | 6.75% | 9.59% | 8.91% | 12.61% | 13.33% | 14.68% |
| Return on Equity (ROE) | 44.9% | 46% | 14.18% | 13.76% | 44.4% | 10.25% | 27.71% | 9.28% | 16.24% |
| Book Value per Share | 33.19 | 42.32 | 31.77 | 31.77 | 41.72 | 45.30 | 58.36 | 60.54 | 72.33 |
| Tangible BV per Share | -50.54 | 21.05 | 9.60 | 16.93 | 27.98 | 29.32 | 43.12 | 45.73 | 56.76 |
| Common Stock | 1.1M | 1.1M | 1.1M | 1M | 1M | 1M | 1M | 1M | 0 |
| Additional Paid-in Capital | 3.1B | 3.17B | 3.26B | 3.43B | 2.17B | 2.19B | 2.17B | 2.07B | 1.87B |
| Retained Earnings | 4.17B | 5.01B | 5.16B | 4.83B | -87M | 93M | 767M | 999M | 1.48B |
| Accumulated OCI | -140.2M | -138.1M | -99.9M | -5M | -2M | -21M | -19M | -22M | -16M |
| Treasury Stock | -5.27B | -5.72B | -6.73B | -6.73B | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
BFH Cash Flow Statement
Bread Financial Holdings, Inc. (BFH) cash flow — operating, investing & free cash flow history
| Line item | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 2.61B | 2.75B | 1.22B | 1.88B | 1.54B | 1.85B | 1.99B | 1.86B | 2.09B |
| Operating CF Growth % | 24.96% | 5.57% | -55.8% | 54.64% | -18.06% | 19.77% | 7.52% | -6.44% | 12.53% |
| Net Income | 788.7M | 963.1M | 310.9M | 214M | 801M | 223M | 718M | 277M | 518M |
| Depreciation & Amortization | 497.6M | 487.3M | 249.3M | 184M | 123M | 113M | 116M | 90M | 80M |
| Deferred Taxes | -113.8M | 16.3M | -178.9M | -223M | -15M | -245M | -68M | -85M | 90M |
| Other Non-Cash Items | 1.27B | 1.39B | 1.08B | 1.4B | 646M | 1.77B | 1.15B | 1.59B | 1.39B |
| Working Capital Changes | 94.8M | -184.2M | -302M | 283M | -41M | -47M | 28M | -67M | -39M |
| Cash from Investing | -4.29B | -1.87B | 2.86B | 1.77B | -1.69B | -5.11B | 788M | -1.17B | -1.37B |
| Purchase of Investments | -101.4M | -89.5M | -924.8M | -40M | -93M | -43M | -50M | -31M | -22M |
| Sale/Maturity of Investments | 797.7M | 47.4M | 2.06B | 77M | 73M | 30M | 14M | 14M | 20M |
| Net Investment Activity | 696.3M | -42.1M | 1.14B | 37M | -20M | -13M | -36M | -17M | -2M |
| Acquisitions | -945.6M | 0 | 4.41B | -267M | -75M | 0 | 0 | 0 | 0 |
| Other Investing | -3.81B | -1.63B | -2.54B | 2.06B | -1.51B | -5.03B | 824M | -1.15B | -1.37B |
| Cash from Financing | 4B | -1.22B | -4.09B | -4.17B | 608M | 3.27B | -3.09B | -592M | -807M |
| Dividends Paid | -115.5M | -125.2M | -127.4M | -61M | -42M | -43M | -42M | -43M | -42M |
| Share Repurchases | -553.7M | -443.2M | -976.1M | 0 | 0 | -12M | -35M | -55M | -313M |
| Stock Issued | 18.4M | 17.6M | 12.4M | 2.8M | 4M | 0 | 0 | 0 | 0 |
| Net Stock Activity | -535.3M | -425.6M | -963.7M | 2.8M | 4M | -12M | -35M | -55M | -313M |
| Debt Issuance (Net) | 1000K | -1000K | -1000K | -1000K | -1000K | 1000K | -1000K | 1000K | -1000K |
| Other Financing | 2.47B | -57.1M | 249.7M | -2.39B | 1.08B | 2.76B | -313M | -563M | 794M |
| Net Change in Cash | 2.33B▲ 0% | -347M▼ 114.9% | -9.6M▲ 97.2% | -495M▼ 5056.3% | 460M▲ 192.9% | 4M▼ 99.1% | -311M▼ 7875.0% | 98M▲ 131.5% | -86M▼ 187.8% |
| Exchange Rate Effect | 4.8M | -12M | 3.6M | 15M | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 1.86B | 4.31B | 3.97B | 3.96B | 3.46B | 3.92B | 3.93B | 3.62B | 3.71B |
| Cash at End | 4.19B | 3.97B | 3.96B | 3.46B | 3.92B | 3.93B | 3.62B | 3.71B | 3.63B |
| Interest Paid | 551.4M | 719.8M | 672M | 488M | 357M | 466M | 861M | 922M | 868M |
| Income Taxes Paid | 344.1M | 234M | 1.07B | 268M | 325M | 338M | 292M | 227M | 53M |
| Free Cash Flow | 2.38B▲ 0% | 2.56B▲ 7.2% | 1.08B▼ 57.9% | 1.83B▲ 70.1% | 1.46B▼ 20.2% | 1.78B▲ 22.0% | 1.99B▲ 11.6% | 1.86B▼ 6.4% | 2.09B▲ 12.5% |
| FCF Growth % | 26.72% | 7.17% | -57.91% | 70.08% | -20.23% | 22% | 11.63% | -6.44% | 12.53% |
BFH Banking Ratios
Bread Financial Holdings, Inc. (BFH) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 26.9% | 44.9% | 46% | 14.18% | 13.76% | 44.4% | 10.25% | 27.71% | 9.28% | 16.24% |
| Return on Assets (ROA) | 2.16% | 2.81% | 3.15% | 0.98% | 0.87% | 3.62% | 0.95% | 2.96% | 1.2% | 2.27% |
| Net Interest Margin | -0.86% | -0.57% | -0.51% | -0.49% | 15.31% | 16.03% | 16.46% | 18.43% | 17.75% | 17.91% |
| Efficiency Ratio | 16.35% | 18.85% | 14.64% | -36.33% | -4.9% | 19.36% | 45.19% | 40.55% | 42.93% | 50.27% |
| Equity / Assets | 6.5% | 6.05% | 7.67% | 5.99% | 6.75% | 9.59% | 8.91% | 12.61% | 13.33% | 14.68% |
| Book Value / Share | 28.15 | 33.19 | 42.32 | 31.77 | 31.77 | 41.72 | 45.3 | 58.36 | 60.54 | 72.33 |
| NII Growth | -21.56% | 20.39% | 9.96% | 16.88% | 2756.15% | 0.93% | 19.97% | 2.03% | -4.74% | -0.12% |
| Dividend Payout | 5.82% | 14.64% | 13% | 45.83% | 28.5% | 5.24% | 19.28% | 5.85% | 15.52% | 8.11% |
BFH SEC Filings & Documents
Bread Financial Holdings, Inc. (BFH) SEC filings — annual & quarterly reports (10-K, 10-Q)
BFH Frequently Asked Questions
Bread Financial Holdings, Inc. (BFH) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Bread Financial Holdings, Inc. (BFH) saw revenue decline by 2.1% over the past year.
Yes, Bread Financial Holdings, Inc. (BFH) is profitable, generating $518.0M in net income for fiscal year 2025 (11.0% net margin).
Dividend & Returns
Yes, Bread Financial Holdings, Inc. (BFH) pays a dividend with a yield of 1.07%. This makes it attractive for income-focused investors.
Bread Financial Holdings, Inc. (BFH) has a return on equity (ROE) of 16.2%. This is reasonable for most industries.
Industry Metrics
Bread Financial Holdings, Inc. (BFH) has a net interest margin (NIM) of 17.9%. This indicates healthy earnings from lending activities.
Bread Financial Holdings, Inc. (BFH) has an efficiency ratio of 50.3%. This is excellent, indicating strong cost control.
Explore More BFH
Bread Financial Holdings, Inc. (BFH) financial analysis — history, returns, DCA and operating performance tools
Total Return Calculator
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Dividend History
Yield, growth, payout safety & DRIP
Earnings History
EPS trends, net income & profitability
Price History
Long-term charts & historical price data
Revenue History
Sales growth patterns & revenue breakdown
Financial Ratios
30 years of market, efficiency and balance-sheet ratios
Valuation
DCF intrinsic value, peer multiples & estimates