Go Deep
Bread Financial Holdings, Inc.
Bread Financial Holdings, Inc. Score & Ratio Trend
| Date | Score | P/E | P/B | D/E | Price |
|---|---|---|---|---|---|
| Oct 2026 | 18,578 | 7.8 | 1.15 | 1.68 | 9,714.86 |
| Oct 2026 | 18,354 | 7.9 | 1.16 | 1.32 | 9,730.11 |
| Oct 2026 | 18,981 | 7.9 | 1.17 | 1.32 | 9,743.36 |
| Oct 2026 | 19,146 | 7.7 | 1.13 | 1.32 | 9,396.00 |
| Oct 2026 | 19,030 | 8.1 | 1.16 | 1.32 | 9,620.50 |
| Oct 2026 | 18,968 | 8.0 | 1.17 | 1.32 | 9,713.97 |
| Oct 2026 | 18,974 | 7.9 | 1.17 | 1.32 | 9,713.94 |
| Oct 2026 | 18,867 | 8.1 | 1.19 | 1.32 | 9,918.74 |
| Oct 2026 | 18,668 | 8.4 | 1.24 | 1.32 | 10,274.46 |
| Oct 2026 | 18,974 | 7.9 | 1.17 | 1.32 | 9,670.34 |
Bread Financial Holdings, Inc. Quarterly Results
| Line Item | Jun 2026 | Mar 2026 | Dec 2025 | Sep 2025 |
|---|---|---|---|---|
| Revenue | 993,000,000.0 | 1,018,000,000.0 | 975,000,000.0 | 971,000,000.0 |
| Net Profit | 146,000,000.0 | 181,000,000.0 | 54,000,000.0 | 188,000,000.0 |
| EPS | 3.6 | 4.2 | — | 4.0 |
Bread Financial Holdings, Inc. Revenue & Profit: Last 5 Years
| Line Item | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
| Revenue | 3,845,000,000.0 | 3,838,000,000.0 | 4,295,000,000.0 | 3,870,000,000.0 | — |
| Net Profit | 518,000,000.0 | 277,000,000.0 | 718,000,000.0 | 223,000,000.0 | — |
| EPS | 11.1 | 5.6 | 14.4 | 4.5 | — |
Bread Financial Holdings, Inc. Balance Sheet
| Line Item | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
| Total Assets | 22,663,000,000.0 | 22,891,000,000.0 | 23,141,000,000.0 | 25,407,000,000.0 | — |
| Total Liabilities | 19,336,000,000.0 | 19,840,000,000.0 | 20,223,000,000.0 | 23,142,000,000.0 | — |
| Total Equity | 3,327,000,000.0 | 3,051,000,000.0 | 2,918,000,000.0 | 2,265,000,000.0 | — |
Owes vs Owns
Bread Financial Holdings, Inc. owed $0.85 for every $1 it owned in Jun 2026, down from $0.91 in Dec 2022.
| Period | Jun 2026 | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 |
|---|---|---|---|---|---|
| Owes vs Owns | 0.85× | 0.85× | 0.87× | 0.87× | 0.91× |
Everything the company owes ÷ everything it owns. Below 1× it owns more than it owes; above 1× it owes more than it owns.
Bread Financial Holdings, Inc. Assets & Liabilities Breakdown (USD millions)
What it owns — Dec 2025
Cash & short-term investments 16.7%Receivables 0.7%Fixed assets (tangible) 0.8%Intangible assets 3.2%Long-term investments 1.3%Other assets 77.5%
How it's funded — Dec 2025
Long-term debt 19.0%Payables 1.3%Other liabilities 65.0%Shareholders' equity 14.7%
| Line Item | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 |
|---|---|---|---|---|
| Assets | ||||
| Cash & short-term investments | 3,775.0 | 3,849.0 | 3,761.0 | 3,986.0 |
| Receivables | 148.0 | 145.0 | 144.0 | 164.0 |
| Inventory | 0.0 | 0.0 | 0.0 | 0.0 |
| Fixed assets (tangible) | 180.0 | 229.0 | 265.0 | 283.0 |
| Intangible assets | 716.0 | 746.0 | 762.0 | 799.0 |
| Long-term investments | 284.0 | 266.0 | 253.0 | 227.0 |
| Other assets | 17,560.0 | 17,656.0 | 17,956.0 | 19,948.0 |
| Liabilities & equity | ||||
| Short-term debt | 0.0 | 0.0 | 0.0 | 0.0 |
| Long-term debt | 4,308.0 | 5,557.0 | 5,292.0 | 8,007.0 |
| Payables | 289.0 | 326.0 | 422.0 | 398.0 |
| Other liabilities | 14,739.0 | 13,957.0 | 14,509.0 | 14,737.0 |
| Shareholders' equity | 3,327.0 | 3,051.0 | 2,918.0 | 2,265.0 |
| Net tangible assets | 2,611.0 | 2,305.0 | 2,156.0 | 1,466.0 |
Bread Financial Holdings, Inc. Cash Flow
| Line Item | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
| Operating Activities | 2,092,000,000.0 | 1,859,000,000.0 | 1,987,000,000.0 | 1,848,000,000.0 | — |
| Investing Activities | -1,371,000,000.0 | -1,169,000,000.0 | 788,000,000.0 | -5,111,000,000.0 | — |
| Financing Activities | -807,000,000.0 | -592,000,000.0 | -3,086,000,000.0 | 3,267,000,000.0 | — |