Bread Financial Holdings, Inc.
BFHFinancial ServicesNASDAQCredit Services · Last scanned May 29, 2026
Scan Results
Daily timeframe1 of 4 indicators bullish as of May 28
Bread Financial Holdings, Inc. provides tech-forward payment and lending solutions to customers and consumer-based industries in North America. The company carries a $3.57B market cap, placing it firmly in the mid-cap category. 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
$3.57B
Beta
1.15
P/E (TTM)
7.22
P/E (Fwd)
7.19
EPS (TTM)
$12.25
EPS (Fwd)
$12.30
ROE
17.5%
ROA
2.5%
Cash
$3.64B
Total Debt
$3.88B
Free CF
—
52W Change
72.6%
Annual Financials
Cash vs Debt
On the balance sheet, BFH has $3.64B in cash with $3.88B in obligations. The ability to service this debt comfortably depends on continued operational cash generation. ROE of 17.5% points to strong capital efficiency, indicating how much profit the company produces per dollar of shareholder equity. ROA of 2.5% 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.