BREAD FINANCIAL HOLDINGS, INC. (BFH)
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.
This profile is unclaimed. An authorized representative can claim it to add details and earn the Verified badge.
Financial summary
- Revenue FY2020
- $577.2M
- Net income
- $518.0M
- Total assets
- $22.7B
- Market cap
- $4.2B
- Operating margin
- 16.0%
- Net margin
- 13.5%
Source: SEC EDGAR · updated Jun 8, 2026
Revenue & profit trend
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)
15-minute delayed · data by Polygon.io
Past year · hover for prices
52-week range
- Market cap
- $4.2B
- P/E ratio
- 9.6
- EPS (diluted)
- $10.89
- Dividend yield
- 0.88%
- Shares outstanding
- 35.3M
- Open
- —
- Day range
- –
- Prev close
- —
- Volume
- —
- IPO date
- Jun 7, 2001
Bread Financial Holdings, Inc. (BFH) Stock Price
- Profitable — net income of $518.0M in FY2020.
- Revenue grew 0% from FY2022 to FY2025.
- Trading 4% below its 52-week high.
- Pays a dividend yielding about 0.88% annually.
- Valued at a price-to-earnings (P/E) ratio of 9.6.
Automatically generated from public filings and market data. Informational only — not investment advice or a recommendation to buy or sell any security.
No reviews yet. Be the first to review BREAD FINANCIAL HOLDINGS, INC..
Write a review
News about BREAD FINANCIAL HOLDINGS, INC.
News & sentiment via Polygon.io
Bread Financial Holdings, Inc.: frequently asked questions
Is Bread Financial Holdings, Inc. an American company?
Bread Financial Holdings, Inc. is a US-based company headquartered in Columbus, Ohio, listed in the americancompanies.com directory of American companies. Its American-origin credentials have not yet been independently verified.
Where is Bread Financial Holdings, Inc. headquartered?
Bread Financial Holdings, Inc. is headquartered in Columbus, Ohio, United States.
Is Bread Financial Holdings, Inc. publicly traded?
Yes — Bread Financial Holdings, Inc. is a publicly traded company. Its stock trades under the ticker symbol BFH on the NYSE.
What does Bread Financial Holdings, Inc. do?
Bread Financial Holdings, Inc. is an American Financial Services company in the Business & Financial Services sector.
