Bread Financial Holdings, Inc. (NYSE:BFH) — Stock Price

$108.41 USD
▲ 0.08% today

Bread Financial Holdings, Inc. (NYSE:BFH) is currently trading at $108.41 USD, up 0.08% today. Over the past 52 weeks, shares have ranged between $54.08 and $112.45. This page tracks Bread Financial Holdings, Inc.'s live share price on the NYSE exchange, its daily price and volume history, and — where reported — its income statement, balance sheet, cash flow statement, and earnings history. For company valuation and market capitalisation context, see BFH market cap.

Bread Financial Holdings, Inc. (BFH) Stock Price Chart — Daily History & Trading Volume

The chart below tracks Bread Financial Holdings, Inc.'s daily closing share price and trading volume on the NYSE exchange over the past year, giving a clear view of recent price momentum and liquidity.

Bread Financial Holdings, Inc. Income Statement — Revenue, Profit & Earnings by Year

Bread Financial Holdings, Inc.'s annual income statement shows how revenue converts into profit each fiscal year, including gross profit, operating income, EBITDA, and net income.

Fiscal Year 20252024202320222021
Total Revenue $4.70 Billion $3.84 Billion $4.29 Billion $3.83 Billion $3.27 Billion
Cost of Revenue $1.72 Billion $1.40 Billion $1.23 Billion $1.59 Billion $1.59 Billion
Gross Profit $2.98 Billion $2.44 Billion $3.06 Billion $2.23 Billion $2.06 Billion
Research & Development — — — — —
SG&A $1.16 Billion $897.00 Million $867.00 Million $779.00 Million $671.00 Million
Total Operating Expenses $2.36 Billion $3.84 Billion $1.47 Billion $180.00 Million $633.00 Million
Operating Income $614.00 Million $279.00 Million $1.59 Billion $802.00 Million $1.04 Billion
EBITDA $694.00 Million $1.43 Billion $1.08 Billion $915.00 Million $1.17 Billion
EBIT $614.00 Million $1.34 Billion $968.00 Million $802.00 Million $1.04 Billion
Interest Expense $854.00 Million $960.00 Million $879.00 Million $503.00 Million $383.00 Million
Income Before Tax $614.00 Million $381.00 Million $968.00 Million $300.00 Million $1.04 Billion
Income Tax Expense $92.00 Million $102.00 Million $231.00 Million $76.00 Million $247.00 Million
Net Income $518.00 Million $277.00 Million $718.00 Million $223.00 Million $801.00 Million

Bread Financial Holdings, Inc. Balance Sheet — Assets, Liabilities & Shareholder Equity

The balance sheet below summarizes Bread Financial Holdings, Inc.'s financial position at each fiscal year-end — what it owns (assets), what it owes (liabilities), and the resulting shareholder equity.

Fiscal Year 20252024202320222021
Total Assets $22.66 Billion $22.89 Billion $23.14 Billion $25.41 Billion $21.75 Billion
Total Current Assets $3.95 Billion $4.03 Billion $3.93 Billion $4.15 Billion $19.86 Billion
Cash & Equivalents $3.60 Billion $3.68 Billion $3.59 Billion $3.89 Billion $3.05 Billion
Short-term Investments $171.00 Million $170.00 Million $171.00 Million $95.00 Million $239.00 Million
Net Receivables $148.00 Million $145.00 Million $144.00 Million $164.00 Million $151.00 Million
Inventory — — $-974.00 Million $-618.00 Million $16.44 Billion
Property, Plant & Equipment $117.00 Million $229.00 Million $265.00 Million $195.00 Million $312.00 Million
Goodwill $634.00 Million $634.00 Million $634.00 Million $634.00 Million $634.00 Million
Total Liabilities $19.34 Billion $19.84 Billion $20.22 Billion $23.14 Billion $19.66 Billion
Total Current Liabilities $14.68 Billion $13.95 Billion $14.60 Billion $398.00 Million $11.77 Billion
Long-term Debt $4.31 Billion $5.56 Billion $5.29 Billion $8.01 Billion $7.44 Billion
Net Debt $789.00 Million $2.01 Billion $1.85 Billion $4.24 Billion $4.53 Billion
Total Stockholder Equity $3.33 Billion $3.05 Billion $2.92 Billion $2.27 Billion $2.09 Billion
Retained Earnings $1.48 Billion $999.00 Million $767.00 Million $93.00 Million $-87.00 Million

Bread Financial Holdings, Inc. Cash Flow Statement — Operating, Investing & Financing Activities

This cash flow statement breaks down how Bread Financial Holdings, Inc. generates and spends cash across operating, investing, and financing activities each fiscal year, including free cash flow and capital expenditures.

Fiscal Year 20252024202320222021
Operating Cash Flow $2.09 Billion $1.86 Billion $1.99 Billion $1.85 Billion $1.54 Billion
Capital Expenditures $24.00 Million $36.00 Million $48.00 Million $68.00 Million $84.00 Million
Free Cash Flow $2.09 Billion $1.86 Billion $1.99 Billion $1.78 Billion $1.46 Billion
Investing Cash Flow $-1.37 Billion $-1.17 Billion $788.00 Million $-5.11 Billion $-1.69 Billion
Financing Cash Flow $-807.00 Million $-592.00 Million $-3.09 Billion $3.27 Billion $608.00 Million
Dividends Paid $42.00 Million $43.00 Million $42.00 Million $43.00 Million $42.00 Million
Stock-Based Compensation $56.00 Million $54.00 Million $44.00 Million $33.00 Million $29.00 Million
Depreciation $80.00 Million $90.00 Million $116.00 Million $113.00 Million $123.00 Million
Change in Cash $-86.00 Million $98.00 Million $-311.00 Million $4.00 Million $460.00 Million

Bread Financial Holdings, Inc. Earnings History — EPS Actual vs. Analyst Estimates

Track Bread Financial Holdings, Inc.'s quarterly earnings per share (EPS) against Wall Street estimates, along with the earnings surprise percentage for each reporting period.

Report Date EPS Actual EPS Estimate Surprise
Jul 23, 2026 — 2.73 —
Apr 23, 2026 4.18 3.05 +37.05%
Jan 29, 2026 2.07 0.48 +331.25%
Oct 23, 2025 4.02 2.11 +90.52%
Jul 24, 2025 3.14 1.94 +61.86%
Apr 24, 2025 2.90 2.23 +30.04%
Jan 30, 2025 0.41 0.32 +28.13%
Oct 24, 2024 1.84 1.95 -5.64%