Trailing Dividend / Share
$0.91
Bread Financial Holdings, Inc. (BFH) Dividend History
Income profile from 2016 to 2026 with payout safety and yield-on-cost trend
Dividend Yield
0.9%
Payout Ratio
8.1%
Sustainable
Dividend Streak
1 years
BFH Dividend Income Check
Safety
8.1% payout ratio with sustainable safety profile.
Consistency
1 straight years of dividend increases.
Income Trend
Yield on cost is 1.5% and trend is falling.
BFH Dividend Scorecard
Yield & Income
Dividend Yield0.9%
Trailing DPS$0.91
FrequencySemi-Annual
Payments / 12M4
Payout Safety
Earnings Payout8.1%
Earnings SafetySustainable
FCF Payout2.0%
FCF SafetyWell Covered
Piotroski F-Score7/9
Growth
Growth Streak1 years
3Y CAGR0.8%
5Y CAGR-3.1%
Yield on Cost (5Y)1.5%
YOC Trendfalling
Total Returns
Buyback Yield6.6%
Total Shareholder Yield7.5%
1Y Total Return95.8%
5Y Total Return29.7%
Div Contribution (5Y)5.1%
Estimated $10K growth (return + dividends):
5Y ago$12,97510Y ago$7,11020Y ago$26,458
Uses precomputed total return metrics from screening data (not lot-by-lot dividend reinvestment transactions). BFH's recent 5Y regime has been stronger than its full 10Y period, so 5Y can appear higher than 10Y.
BFH Income Growth Story
Dividend per share and yield on cost over time (11 years of payments)
BFH Dividend Safety Story
EPS is the container — dividend is what's drawn out
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Dividend Analysis
Payout Safety
Bread Financial Holdings, Inc. distributes 8.1% of earnings as dividends (Sustainable). When measured against free cash flow—a stricter test—the payout ratio stands at 2.0%, rated "Well Covered".
Piotroski F-Score: 7/9 — strong financial health.
Growth Track Record
BFH has raised its dividend for 1 consecutive year, with a 3-year CAGR of 0.8% and 5-year CAGR of -3.1%.
Total Shareholder Returns
Beyond cash dividends, BFH returns capital through share repurchases. The combined picture: 0.9% dividend yield, 6.6% buyback yield, 7.5% total shareholder yield.
Income Trend & Total Return
Yield on cost (5-year basis) has reached 1.5% and is currently falling. The 5-year total return is 29.7%, with dividends contributing 5.1% of that performance.
DRIP Growth
A $10,000 investment made 10 years ago with dividends reinvested would have grown to approximately $7,110 today.
BFH Recent Dividend Payments
Last 20 payments · Semi-Annual
TTM Total$4.22
Avg/Payment$0.2109
| Ex-Date | Amount | Change | Yield % | Payment Date |
|---|---|---|---|---|
| May 29, 2026Latest | $0.2300 | — | 1.01% | Jun 15, 2026 |
| Feb 27, 2026 | $0.2300 | — | 1.24% | Mar 16, 2026 |
| Nov 7, 2025 | $0.2300 | ↑ +9.5% | 1.35% | Dec 12, 2025 |
| Aug 8, 2025 | $0.2100 | — | 1.44% | Sep 12, 2025 |
| May 9, 2025 | $0.2100 | — | 1.66% | Jun 13, 2025 |
| Feb 14, 2025 | $0.2100 | — | 1.35% | Mar 21, 2025 |
| Nov 8, 2024 | $0.2100 | — | 1.42% | Dec 13, 2024 |
| Aug 9, 2024 | $0.2100 | — | 1.64% | Sep 13, 2024 |
BFH Dividend vs Peers
Comparable companies in the same industry
#5 yield in peer group
Div Yield
0.9%
#5 of 6
Safety
Sustainable
8.1% payout
Streak
1Y
-3.1% 5Y CAGR
Total Shareholder
7.5%
#2 of 6
| Company | Mkt Cap | Yield | Payout | Streak | Safety |
|---|---|---|---|---|---|
| BFHBread Financial Hold… | $4.7B | 0.9% | 8.1% | 1 | Sustainable |
 SYFSynchrony Financial | $26.2B | 1.6% | 12.0% | 4 | Sustainable |
3rd  COFCapital One Financia… | $124.8B | 1.6% | 72.1% | 1 | Watch |
1st  OMFOneMain Holdings, In… | $6.8B | 4.5% | 39.5% | 7 | Sustainable |
2nd  ALLYAlly Financial Inc. | $14.3B | 2.7% | 44.5% | 0 | Sustainable |
 ATLCAtlanticus Holdings … | $1.5B | 0.6% | — | 0 | Unknown |
BFH Annual Dividend History (1998–2026)
29 years of dividend data
GrowthDecline
| Year | DPS | YoY | Pmts | EPS | Payout | Coverage | YOC |
|---|---|---|---|---|---|---|---|
| 2026YTD | $0.46 | — | 2 | — | — | — | 0.8% |
| 2025 | $0.86 | 2.4% | 4 | $10.96 | 7.8% | 12.74x | 1.5% |
| 2024 | $0.84 | 0.0% | 4 | $5.50 | 15.3% | 6.55x | 1.5% |
| 2023 | $0.84 | 0.0% | 4 | $14.36 | 5.8% | 17.10x | 1.5% |
| 2022 | $0.84 | 17.8% | 4 | $4.46 | 18.8% | 5.31x | 1.5% |
| 2021 | $0.71 | -29.1% | 4 | $16.02 | 4.4% | 22.47x | 1.3% |
| 2020 | $1.01 | -50.0% | 4 | $4.46 | 22.5% | 4.44x | 1.8% |
| 2019 | $2.01 | 10.5% | 4 | $11.45 | 17.6% | 5.69x | 3.6% |
| 2018 | $1.82 | 9.6% | 4 | $17.48 | 10.4% | 9.61x | 3.2% |
| 2017 | $1.66 | 300.0% | 4 | $14.10 | 11.8% | 8.49x | 2.9% |
Consensus-Based Analysis Tools
Intrinsic Valuation
DCF models, multiple analysis, and analyst estimates.
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Historical Returns
10+ years return with dividends reinvested.
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Peer Comparison
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BFH — Frequently Asked Questions
Quick answers to the most common questions about buying BFH stock.
How much dividend does BFH pay per share?
Bread Financial Holdings, Inc. (BFH) pays a trailing 12-month dividend of $0.91 per share, with a current dividend yield of +0.9%. Payments are made Semi-Annual.
When is BFH's next ex-dividend date?
BFH's most recent ex-dividend date is N/A. You must own shares before the ex-dividend date to receive the next payment. BFH typically pays dividends Semi-Annual.
Is BFH's dividend safe?
BFH's dividend safety is rated "Sustainable" based on an earnings payout ratio of +8.1% and FCF payout ratio of +2.0%. The 1-year growth streak provides moderate confidence.
How many years has BFH increased its dividend?
BFH has 1 consecutive years of dividend growth. The 5-year dividend CAGR is -3.1%.
How often does BFH pay dividends?
Bread Financial Holdings, Inc. pays dividends Semi-Annual. The trailing 12-month total is $0.91 per share. Dividend data on this page covers 10+ years from 2016 to 2026.
How much would $10,000 invested in BFH grow with dividend reinvestment?
With dividends reinvested (DRIP), $10,000 invested in BFH five years ago would be worth approximately $12,975 today. This includes both price appreciation and compounded dividend reinvestment. Use the DRIP calculator above for other time periods.
What is BFH's yield on cost for long-term holders?
BFH's yield on cost — the current dividend divided by the original purchase price — is +1.5% for a 5-year holding period. This means long-term holders earn a higher effective yield than today's +0.9% market yield, thanks to the lower original cost basis.