Bread Financial Holdings, Inc.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Bread Financial Holdings, Inc.'s yearly results (2022–2025), compared with Financial Services companies in United States. Tap ? on any ratio for what it means.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
2/3 · 2/3Sales grew in 2 of the last 3 years; profit grew in 2 of 3.
Steadier than 53% of Financial Services companies in United States.
Growth Efficiency Ratio
—Sales barely changed
Sales changed by -1% in 3 years, too little to measure extra profit per extra sales.
Asset Productivity Ratio
-1% / -11%In 3 years sales changed by -1% while total assets changed by -11%. Sales grew faster than assets.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
97%Of every $100 the company owns, $97 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
Less tangible than 62% of Financial Services companies in United States.
Tangible Net Worth Ratio
78%Of every $100 of net worth, $78 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
Less tangible than 58% of Financial Services companies in United States.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Bread Financial Holdings, Inc. owes $0.85 for every $1 it owns. Net profit rose 87% in the year to Dec 2025, and grew 32% a year on average over 3 years.
Compared with Financial Services companies in United States · latest annual results Dec 2025.
P/E ratio
7.9Investors pay $7.9 for every $1 of Bread Financial Holdings, Inc.'s yearly profit, lower than 87% of Financial Services companies in United States.
P/B ratio
1.17The share price is 1.17 times Bread Financial Holdings, Inc.'s book value per share, lower than 60% of Financial Services companies in United States.
Market cap
$3.9 BThe total market value of all of Bread Financial Holdings, Inc.'s shares at today's price (share price × number of shares), larger than 76% of Financial Services companies in United States. PosiCap size class: Meso Cap.
Net worth (book value)
$3.4 BWhat Bread Financial Holdings, Inc. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
$87.59Net worth divided by the number of shares. The share price of $102.45 is 1.2 times this, which is the P/B above.
Return on equity (ROE)
17.4%Bread Financial Holdings, Inc. earned 17.4% on its shareholders' money over the last year, higher than 82% of Financial Services companies in United States.
Owes vs Owns
0.85×Bread Financial Holdings, Inc. owes $0.85 for every $1 it owns (high), higher than 53% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Dividend yield
0.85%Bread Financial Holdings, Inc. pays 0.85% of its share price as dividends a year, lower than 93% of dividend-paying Financial Services companies in United States.
Revenue growth
+0%Revenue rose 0% in the year to Dec 2025, and shrank 0% a year on average over 3 years.
Profit growth
+87%Net profit rose 87% in the year to Dec 2025, and grew 32% a year on average over 3 years.
Profit margin
13.5%Bread Financial Holdings, Inc. keeps $13 of every $100 of revenue as net profit.
Questions
What is Bread Financial Holdings, Inc.'s P/E ratio?
Investors pay $7.9 for every $1 of Bread Financial Holdings, Inc.'s yearly profit, lower than 87% of Financial Services companies in United States.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Bread Financial Holdings, Inc.: $3.9 B ÷ $3.4 B (30 Jun 2026) = 1.2.
What is Bread Financial Holdings, Inc.'s return on equity?
Bread Financial Holdings, Inc. earned 17.4% on its shareholders' money over the last year, higher than 82% of Financial Services companies in United States.
How much does Bread Financial Holdings, Inc. owe compared with what it owns?
Bread Financial Holdings, Inc. owes $0.85 for every $1 it owns (high), higher than 53% of Financial Services companies in United States. Banks and lenders usually show higher figures.
Does Bread Financial Holdings, Inc. pay a dividend?
Yes. Bread Financial Holdings, Inc. pays 0.85% of its share price as dividends a year, lower than 93% of dividend-paying Financial Services companies in United States.
Is Bread Financial Holdings, Inc.'s revenue growing?
Revenue rose 0% in the year to Dec 2025, and shrank 0% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.