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Bread Financial Holdings, Inc. (BDFNV)
Personal Credit Institutions
Latest Price
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Market Cap
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TTM P/E
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Earnings Yield
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TTM Div Yield
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P/B Ratio
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Earnings yield is trailing 12-month earnings divided by price.
Financials
financial statements →| Quarter ending | Dec 2022 | Mar 2023 | Jun 2023 | Sep 2023 | Dec 2023 | Mar 2024 | Jun 2024 | Sep 2024 | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 | Sep 2026 | Last 4 quarters |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.03B | $1.29B | $952.00M | $1.03B | $1.02B | $991.00M | $939.00M | $983.00M | $925.00M | $970.00M | $929.00M | $971.00M | $975.00M | $1.02B | $993.00M | $1.02B | $4.00B |
| Net income | -$133.00M | $455.00M | $48.00M | $171.00M | $44.00M | $134.00M | $133.00M | $2.00M | $8.00M | $138.00M | $139.00M | $188.00M | $53.00M | $181.00M | $146.00M | $156.00M | $536.00M |
| Net margin | -12.9% | 35.3% | 5.0% | 16.6% | 4.3% | 13.5% | 14.2% | 0.2% | 0.9% | 14.2% | 15.0% | 19.4% | 5.4% | 17.8% | 14.7% | 15.3% | 13.4% |
| Operating cash flow | $497.00M | $398.00M | $343.00M | $629.00M | $617.00M | $447.00M | $477.00M | $456.00M | $479.00M | $393.00M | $526.00M | $605.00M | $568.00M | $487.00M | $533.00M | $601.00M | $2.19B |
| Dividends per share | $0.21 | $0.21 | $0.21 | $0.21 | $0.21 | $0.21 | $0.21 | $0.21 | $0.21 | $0.21 | $0.21 | $0.21 | $0.23 | $0.23 | $0.23 | $0.23 | $0.92 |
Chart: revenue per quarter, Dec 2022 to Sep 2026. Hover over or tap a row to chart it.
Quarters ending Dec 2024 to Sep 2026, oldest first.
Revenue ($B)
Last 4 quarters $4.00B
$1.5B$0
0.930.970.930.970.971.020.991.02
Net income ($M)
Last 4 quarters $536.00M
$200M$0
813813918853181146156
Net margin (%)
Last 4 quarters 13.4%
20%0%
0.914.215.019.45.417.814.715.3
Operating cash flow ($M)
Last 4 quarters $2.19B
$800M$0
479393526605568487533601
Dividends per share ($)
Last 4 quarters $0.92
$0.25$0
0.210.210.210.210.230.230.230.23
Recent Material Events
all events →- Bread Financial Holdings released a performance update for the month ended October 31, 2026, showing end-of-period credit card and other loans totaling $18.96 billion, up from $17.69 billion in the prior year period. Average loans increased 6.9% year-over-year to $18.85 billion. The company reported net principal losses of $107 million against a loss rate of 6.69%, an improvement from the 7.50% rate recorded in October 2025. Delinquency rates (30 days+) declined to 5.64% from 6.05% year-over-year, with principal delinquencies at $939 million against total loans of $16.67 billion. Bread Financial Holdings is a tech-forward financial services company that provides payment, lending, and saving solutions to U.S. consumers.