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BREAD FINANCIAL HOLDINGS, INC.

$96.45 +2.37% NYSE: BFH · 15-min delayed

COLUMBUS, Ohio
Public · NYSE: BFH
6,000 employees

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$3.7BMarket cap

$577.2MRevenue · FY2020

$518.0MNet income

6,000Employees

BFHNYSE

2001IPO

About BREAD FINANCIAL HOLDINGS, INC.

Formed by a combination of JCPenney's credit card processing unit and The Limited's credit card bank business, Bread Financial is a provider of private-label and co-branded credit cards, loyalty programs, and marketing services. The company's most financially significant unit is its credit card business that partners with retailers to jointly market Bread's credit cards to their customers. The company also retains a minority interest in spun-off LoyaltyOne, which operates the largest airline miles loyalty program in Canada and offers marketing services to grocery chains in Europe and Asia.

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Company facts

Type: Public · NYSE: BFH
Employees: 6,000
IPO date: Jun 7, 2001
Headquarters: 3095 LOYALTY CIRCLE
COLUMBUS, Ohio 43219
Phone: (614) 729-4000
Industry: Financial Services
Website: Visit site

Registry IDs

Ticker: BFH NYSE
SEC CIK: 1101215
LEI: 549300G8S4PO686J7H97
EIN: 311429215
SIC: 6141 PERSONAL CREDIT INSTITUTIONS

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Reported figures

Financial summary

Revenue FY2020: $577.2M
Net income: $518.0M
Total assets: $22.7B
Market cap: $3.7B
Operating margin: 16.0%
Net margin: 13.5%

Source: SEC EDGAR · updated Jun 8, 2026

Multi-year

Revenue & profit trend

FY2022

FY2023

FY2025

Revenue Net income

FY 2025

Financial statements

Income statement

Revenue: $3.8B
Operating expenses: $3.2B
Operating income: $615.0M
Income tax: $94.0M
Net income: $518.0M
EPS (basic): $11.07
EPS (diluted): $10.89

Balance sheet

Total assets: $22.7B
Current assets: $22.7B
Total liabilities: $19.3B
Current liabilities: $19.3B
Shareholders’ equity: $3.3B

Cash flow

Operating cash flow: $2.1B
Investing cash flow: -$1.4B
Financing cash flow: -$807.0M
Net cash flow: -$86.0M

Statements via Polygon.io (SEC filings)

NYSE: BFH

$96.45 +2.37%

15-minute delayed · data by Polygon.io

Past year

$48.65 $96.45

52-week range

Market cap: $3.7B
P/E ratio: 8.9
EPS (diluted): $10.89
Dividend yield: 0.95%
Shares outstanding: 38.2M
Open: —
Day range: –
Prev close: —
Volume: —
IPO date: Jun 7, 2001

Market data by Polygon.io · prices are 15-minute delayed

Auto-generated

At a glance

Profitable — net income of $518.0M in FY2020.
Revenue grew 0% from FY2022 to FY2025.
Trading near its 52-week high.
Pays a dividend yielding about 0.95% annually.
Valued at a price-to-earnings (P/E) ratio of 8.9.

Automatically generated from public filings and market data. Informational only — not investment advice or a recommendation to buy or sell any security.