Trailing Dividend / Share
$0.85
Bread Financial Holdings, Inc. (BFH) Dividend History
Income profile from 2016 to 2026 with payout safety and yield-on-cost trend
Dividend Yield
1.2%
Payout Ratio
15.5%
Sustainable
Dividend Streak
1 years
3-Second Income Check
Safety
15.5% 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.
Dividend Scorecard
Yield & Income
Dividend Yield1.2%
Trailing DPS$0.85
FrequencyAnnual
Payments / 12M4
Payout Safety
Earnings Payout15.5%
Earnings SafetySustainable
FCF Payout2.2%
FCF SafetyWell Covered
Piotroski F-Score3/9
Growth
Growth Streak1 years
3Y CAGR0.8%
5Y CAGR-3.1%
Yield on Cost (5Y)1.5%
YOC Trendfalling
Total Returns
Buyback Yield1.8%
Total Shareholder Yield3.0%
1Y Total Return32.9%
5Y Total Return-5.6%
Div Contribution (5Y)5.2%
Estimated $10K growth (return + dividends):
5Y ago$9,44210Y ago$4,89820Y ago$23,789
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.
Income Growth Story
Dividend per share and yield on cost over time (11 years of payments)
Dividend Safety Story
EPS is the container — dividend is what's drawn out
Dividend Analysis
Payout Safety
Bread Financial Holdings, Inc. distributes 15.5% of earnings as dividends (Sustainable). When measured against free cash flow—a stricter test—the payout ratio stands at 2.2%, rated "Well Covered".
Piotroski F-Score: 3/9 — weak 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: 1.2% dividend yield, 1.8% buyback yield, 3.0% 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 -5.6%, with dividends contributing 5.2% of that performance.
DRIP Growth
A $10,000 investment made 10 years ago with dividends reinvested would have grown to approximately $4,898 today.
Recent Dividend Payments
Last 20 payments · Annual
TTM Total$4.16
Avg/Payment$0.2078
| Ex-Date | Amount | Change | Yield % | Payment Date |
|---|---|---|---|---|
| Feb 27, 2026Latest | $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 |
| May 9, 2024 | $0.2100 | — | 2.09% | Jun 14, 2024 |
Dividend Peer Comparison
Peer group: Consumer Credit Issuers and Installment Lenders
#9 yield in peer group
Div Yield
1.2%
#9 of 9
Safety
Sustainable
15.5% payout
Streak
1Y
-3.1% 5Y CAGR
Total Shareholder
3.0%
#8 of 9
| Company | Mkt Cap | Yield | Payout | Streak | Safety |
|---|---|---|---|---|---|
BFHBread Financial Hold… | $3.1B | 1.2% | 15.5% | 1 | Sustainable |
COFCapital One Financia… | $124.4B | 1.2% | 19.6% | 2 | Sustainable |
SYFSynchrony Financial | $24.9B | 1.4% | 11.4% | 3 | Sustainable |
SYF-PBSynchrony Financial | $9.4B | 3.8% | 11.4% | 3 | Sustainable |
2nd OMFOneMain Holdings, In… | $6.5B | 9.4% | — | 2 | Unknown |
FINVFinVolution Group | $3.2B | 4.3% | 18.5% | 4 | Sustainable |
1st LULufax Holding Ltd | $2.3B | 28.1% | 1.6% | 0 | Sustainable |
3rd XYFX Financial | $1.2B | 7.0% | 7.6% | 1 | Sustainable |
ATLCAtlanticus Holdings … | $791M | 2.6% | 23.1% | 7 | Sustainable |
Annual Dividend History
29 years of dividend data
GrowthDecline
| Year | DPS | YoY | Pmts | EPS | Payout | Coverage | YOC |
|---|---|---|---|---|---|---|---|
| 2026YTD | $0.23 | — | 1 | — | — | — | 0.4% |
| 2025 | $0.86 | 2.4% | 4 | — | — | — | 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% |
See BFH's True Return
Price is only half the story. See total return with reinvested dividends.
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Start ComparisonFrequently Asked Questions
How much dividend does BFH pay per share?
Bread Financial Holdings, Inc. (BFH) pays a trailing 12-month dividend of $0.85 per share, with a current dividend yield of +1.2%. Payments are made 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 Annual.
Is BFH's dividend safe?
BFH's dividend safety is rated "Sustainable" based on an earnings payout ratio of +15.5% and FCF payout ratio of +2.2%. 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 Annual. The trailing 12-month total is $0.85 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 $9,442 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 +1.2% market yield, thanks to the lower original cost basis.