Bread Financial Holdings, Inc.
BFHFinancial ServicesNASDAQCredit Services · Last scanned Sep 9, 2026
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Daily timeframeBread Financial Holdings, Inc. provides tech-forward payment and lending solutions to customers and consumer-based industries in North America. With a market capitalization of $4.16B, it sits in mid-cap territory. It offers credit card and other loans financing services, including risk management solutions, underwriting, and funding services for private label and co-brand credit card programs, as well as through Bread Pay partnerships.
Market Cap
$4.16B
Beta
1.13
P/E (TTM)
8.39
P/E (Fwd)
8.09
EPS (TTM)
$12.89
EPS (Fwd)
$13.37
ROE
17.4%
ROA
2.6%
Cash
$3.68B
Total Debt
$3.28B
Free CF
—
52W Change
73.0%
Annual Financials
Cash vs Debt
Where BFH stands vs its 150-day and 200-day moving averages
As of the August 21, 2026 close, BFH finished 17.83% above its 150-day moving average ($87.57) and 23.98% above its 200-day moving average ($83.22). This snapshot is end-of-day data shown with a five-trading-day delay on the free plan; Premium members see readings from the latest close.
Is BFH overbought or oversold?
At the August 21, 2026 close, BFH's RSI(14) was 40.1, in neutral territory (between 30 and 70). The MACD histogram was negative, so short-term momentum leaned bearish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
With $3.68B in cash and $3.28B in debt, BFH maintains more liquidity than leverage. This favorable balance sheet position can be an asset when capital markets become less accommodating. ROE of 17.4% points to strong capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 2.6% is on the lower side, which is common in asset-heavy industries. Revenue has been relatively flat, moving from $3.87B (2022) to $3.85B (2025).
As with any equity investment, BFH carries market risk, sector-specific risk, and company-specific risk that investors should evaluate in the context of their own portfolios. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence Bread Financial Holdings, Inc.'s trajectory.