NYSE: BFHBread Financial Holdings Inc Stock
$66.26+0.76 (+1.16%)
Updated Oct 27, 2025
BFH Price
$66.26
Fair Value Price
N/A
Market Cap
$3.09B
52 Week Low
$38.21
52 Week High
$68.01
P/E
11.1x
P/B
0.98x
P/S
1.09x
PEG
0.52x
Dividend Yield
1.27%
Revenue
$2.45B
Earnings
$286.00M
Gross Margin
100%
Operating Margin
15.46%
Profit Margin
11.7%
Debt to Equity
5.89
Operating Cash Flow
$2B
Beta
1.6
Next Earnings
Oct 30, 2025
Ex-Dividend
Nov 7, 2025
Next Dividend
Dec 12, 2025
BFH Overview
Bread Financial Holdings, Inc. provides loyalty and marketing services, such as private label credit cards, coalition loyalty programs, and direct marketing derived from the capture and analysis of transaction-rich data. Known as Alliance Data Systems Corporation until 2022/03., the company was founded in 1996 and is headquartered in Columbus, OH.
Zen Rating
Our proven quant model uses 115 proprietary factors, including AI, to determine BFH's potential to beat the market
BBuy
- Stocks with a Zen Rating of Buy (B) had an average return of +19.88% per year. Learn More
Zen Rating Component Grades
B
Zen Rating uses advanced AI algorithms that detect subtle patterns in market data; it anticipates future trends that point to superior stock price results.
Industry: Credit Service
Industry Rating
A
BFH
Ranked#9 of 51
Ranked#9 of 51
Top Ranked Stocks in Industry
| Name / Ticker | Price | Zen Rating |
|---|---|---|
| $10.05 | A | |
| $58.82 | A | |
| $121.20 | A |
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BFH News
Overview
Due Diligence Score
–
Industry Average (32)
You've viewed Due Diligence Score for 10/10 free stocks. Upgrade to Premium to see how BFH scored across 38 valuation, financial, forecast, performance, and dividend due diligence checks.
Due Diligence Checks
BFH ($66.26) is trading below its intrinsic value of $85.10, according to an updated version of Benjamin Graham's Formula from Chapter 11 of "The Intelligent Investor"
Below Benjamin Graham Formula Value Valuation
BFH is good value based on its earnings relative to its share price (11.1x), compared to the US market average (39.86x)
P/E vs Market Valuation
BFH is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
There are 35 more BFH due diligence checks available for Premium users.
Valuation
BFH price to earnings (PE)
For valuing profitable companies with steady earnings
Company
11.1x
Industry
35.64x
Market
39.86x
BFH is good value based... subscribe to Premium to read more.
P/E vs Industry Valuation
BFH is good value based... subscribe to Premium to read more.
P/E vs Market Valuation
BFH price to book (PB)
For valuing companies that are loss-making or have lots of physical asset
Company
0.98x
Industry
5.29x
BFH is good value based... subscribe to Premium to read more.
P/B vs Industry Valuation
BFH price to earnings growth (PEG)
For valuing profitable companies with growth potential
BFH is good value based... subscribe to Premium to read more.
PEG Value Valuation
BFH's financial health
Profit margin
Revenue
$655.0M
Net Income
$139.0M
Profit Margin
21.2%
BFH's Earnings (EBIT) of $379.00M... subscribe to Premium to read more.
Interest Coverage Financials
BFH's profit margin has decreased... subscribe to Premium to read more.
Profit Margin Growth Financials
Assets to liabilities
Assets
$21.8B
Liabilities
$18.7B
Debt to equity
5.89
BFH's debt relative to shareholder... subscribe to Premium to read more.
Shrinking Debt Financials
BFH's debt to equity ratio... subscribe to Premium to read more.
Healthy Debt to Equity Financials
Cash flow
Operating
$526.0M
Investing
-$221.0M
Financing
-$723.0M
BFH's operating cash flow ($1.85B)... subscribe to Premium to read more.
Debt Coverage Financials
BFH vs Credit Service Stocks
Bread Financial Holdings Stock FAQ
Company
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