Stocks Consumer discretionary BFH
NYSE · Consumer discretionaryBread Financial Holdings, Inc. (BFH)
Bread Financial Holdings, Inc. brought in $4B of revenue over the twelve months to September 30, 2026, up 5.5% from a year earlier. Net income was $536M, a net margin of 13.4%. At September 30, 2026 it held $4B in cash. Its latest periodic report to the SEC is the quarterly report (10-Q) filed on October 27, 2026.
Key facts about Bread Financial Holdings, Inc.
- Net worth
- Bread Financial Holdings, Inc. has a market value (market cap) of $3.7B at the latest share price, and shareholders' equity of $3.4B on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
- Revenue and profit
- In fiscal 2025 revenue was $3.8B (+0.2% year on year), with net income of $518M. Over the 12 months to September 30, 2026: revenue $4B, net income $536M.
- Cash flow
- In fiscal 2025 operations brought in $2.1B of cash.
- Latest report
- The latest periodic report (quarterly report, 10-Q) was filed with the SEC on October 27, 2026 and covers the period to September 30, 2026. Open on SEC EDGAR
- Next earnings report
- Bread Financial Holdings, Inc.'s next report is expected around January 21, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
- Dividend
- Bread Financial Holdings, Inc. declared dividends of $0.86 per share in fiscal 2025, a yield of 0.89% at the current price.
What Bread Financial Holdings, Inc. does
Bread Financial Holdings, Inc. is registered with the SEC under industry code SIC 6141 (Personal Credit Institutions). Its shares trade on NYSE under the ticker BFH.
Revenue and profit by year
Key figures
| Fiscal year | Revenue | Net income | Diluted EPS | Free cash flow |
|---|---|---|---|---|
| 2025 | $3.8B | $518M | $10.89 | n/a |
| 2024 | $3.8B | $277M | $5.49 | n/a |
| 2023 | $4.3B | $718M | $14.34 | n/a |
| 2022 | $3.8B | $223M | $4.46 | $1.8B |
| 2021 | $3.3B | $801M | $16.02 | $1.5B |
| 2020 | $4.5B | $214M | $4.46 | $1.8B |
Earnings: every quarter and the next report date
Full financial statements: income, balance sheet and cash flow
Where BFH ranks in Consumer discretionary
Dividends
Bread Financial Holdings, Inc. declared $0.86 per share in fiscal 2025. At the current price that is a yield of 0.89%. It paid out $40M in cash dividends, 8% of its net income.
| Fiscal year | Per share | Paid out | Of profit |
|---|---|---|---|
| 2025 | $0.86 | $40M | 8% |
| 2024 | $0.84 | $43M | 16% |
| 2023 | $0.84 | $42M | 6% |
| 2022 | $0.84 | $43M | 19% |
| 2021 | $0.84 | $42M | 5% |
| 2020 | $1.26 | $61M | 29% |
Latest SEC filings
What Bread Financial Holdings, Inc. has filed recently, newest first. Each links to the original document on SEC EDGAR.
- November 3, 2026
- October 28, 2026Other event 8-K
- October 27, 2026Other event 8-K
- October 27, 2026Quarterly report 10-Q · period to September 30, 2026Revenue rose 4.7% to $1B versus the same quarter last year; diluted EPS $3.82 versus $3.96.
- October 22, 2026
- October 22, 2026
- September 15, 2026
- September 8, 2026
- August 17, 2026
- August 14, 2026Passive stake changed SCHEDULE 13G/A
Insider trades
What the people running Bread Financial Holdings, Inc. did with its shares, from the Form 4 filings they must send the SEC within two business days.
Insiders bought $125.2K worth of shares on the open market in the last 90 days and sold none.
| Date | Insider | What | Shares | Value |
|---|---|---|---|---|
| October 28, 2026 | Fawcett John J.Director | Bought | 3,000 | $74.1K |
| October 28, 2026 | Fawcett John J.Director | Bought | 2,000 | $49.4K |
| October 15, 2026 | Gerspach John CDirector | Received as pay | 704 | - |
| September 14, 2026 | McCarthy Dennis JamesEVP, Chief Revenue Officer | Bought | 16 | $1.7K |
| July 28, 2026 | Lakhwara PranitiDirector | Sold | 2,802 | $297.3K |
| July 15, 2026 | Gerspach John CDirector | Received as pay | 730 | - |
| June 15, 2026 | Theriault Timothy JDirector | Received as pay | 1,638 | - |
| June 15, 2026 | Gerspach John CDirector | Received as pay | 1,638 | - |
Who owns BFH
Three views from three kinds of SEC filings, each with its own date. They overlap and are not added up.
5% holders
| Holder | Of class | Filed |
|---|---|---|
| Dimensional Fund Advisors LP13G, passive | 7.2% | April 9, 2026 |
| Vanguard Portfolio Management13G, passive | 6.48% | April 29, 2026 |
| Vanguard Capital Management13G, passive | 5.11% | April 29, 2026 |
Largest institutional holders
Positions that investment managers reported on Form 13F for the quarter ended June 30, 2026, largest first, with the change on the quarter ended March 31, 2026. Managers file 13F up to 45 days after a quarter ends. 420 managers reported a position.
| Holder | Shares | Change on quarter |
|---|---|---|
| BlackRock, Inc. | 3,888,457 | -336,243 |
| Dimensional Fund Advisors LP | 3,092,208 | +6,148 |
| Vanguard Portfolio Management LLC | 2,621,816 | -134,520 |
| American Century Companies Inc | 1,791,190 | +159,569 |
| Vanguard Capital Management LLC | 1,757,637 | -111,748 |
| State Street Corp | 1,681,704 | -83,079 |
| Allianz Asset Management GmbH | 1,391,954 | +45,352 |
| Turtle Creek Asset Management Inc. | 1,310,339 | -1,120,763 |
| Geode Capital Management, LLC | 1,132,140 | -53,070 |
| Arrowstreet Capital, Limited Partnership | 1,045,197 | -58,387 |
| Hsbc Holdings PLC | 907,458 | -102,432 |
| Franklin Resources Inc | 823,185 | -326,271 |
| Jacobs Levy Equity Management, Inc | 769,826 | -176,441 |
| Goldman Sachs Group Inc | 762,074 | +9,060 |
| Charles Schwab Investment Management Inc | 612,515 | -41,634 |
| Bank of America Corp | 607,351 | -22,874 |
| Nomura Asset Management International Inc. | 583,288 | -125,178 |
| Morgan Stanley | 564,739 | -50,889 |
| Northern Trust Corp | 521,167 | -14,935 |
| Wellington Management Group Llp | 498,428 | -329,842 |
Insiders
17 insiders reported holding 1,460,794 shares in total, about $141.3M at the last price.
| Holder | Shares |
|---|---|
| Andretta Ralph JPresident and CEO, Director | 582,241 |
| Greer Valerie EEVP, Chief Commercial Officer | 155,352 |
| Motes Joseph L IIIEVP, CAO, Gen Counsel & Secy | 129,617 |
| McConnaughey Tammy MEVP, Operations & Credit Risk | 123,320 |
| Beberman Perry SEVP, Chief Financial Officer | 121,570 |
| Driscoll Allegra SEVP, Chief Technology Officer | 60,780 |
| Gerspach John CDirector | 50,278 |
| Campbell Jonathan BryanSVP, Chief Accounting Officer | 37,149 |
| Tucker Laurie AnneDirector | 35,459 |
| Ballou Roger HDirector | 30,079 |
Questions about BFH
What does Bread Financial Holdings, Inc. do?
Bread Financial Holdings, Inc. is a company in the Consumer discretionary sector, listed on NYSE as BFH. Its shares trade on NYSE under the ticker BFH.
What is Bread Financial Holdings, Inc.'s net worth?
Bread Financial Holdings, Inc. has a market value (market cap) of $3.7B at the latest share price, and shareholders' equity of $3.4B on its balance sheet at September 30, 2026. A company's "net worth" usually means one of these: what the market pays for all its shares, or its assets minus its liabilities.
Is Bread Financial Holdings, Inc. profitable?
Yes. Over the twelve months to September 30, 2026 it reported net income of $536M on revenue of $4B, a net margin of 13.4%.
How much revenue does Bread Financial Holdings, Inc. make?
Over the twelve months to September 30, 2026 Bread Financial Holdings, Inc. reported revenue of $4B. That is 5.5% more than a year earlier.
When did Bread Financial Holdings, Inc. last report?
Its most recent periodic report is the quarterly report (10-Q) filed on October 27, 2026. It covers the period to September 30, 2026. Its newest filing of any kind is the shareholder rights changed from November 3, 2026.
When is Bread Financial Holdings, Inc.'s next earnings report?
Bread Financial Holdings, Inc.'s next report is expected around January 21, 2027. That is an estimate from its filing rhythm, not a date the company has announced.
Does Bread Financial Holdings, Inc. pay a dividend?
Yes. Bread Financial Holdings, Inc. declared dividends of $0.86 per share in fiscal 2025, a yield of 0.89% at the current price.
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Where the numbers come from
Financial figures are the values Bread Financial Holdings, Inc. tagged in its own SEC filings (XBRL), taken from the latest filing for each period, so restatements replace older figures. Revenue, profit and cash flow are for full fiscal years unless marked as the last twelve months, which is the sum of the four most recent quarters. Where a company reports only the full year, the fourth quarter is the year minus the first three.
Prices are delayed end-of-day market data in the listing currency, and market cap moves with the price. P/E is shown only when earnings per share are positive. Nothing here is investment advice.