Bread Financial Holdings, Inc.
BFHFinancial ServicesNASDAQCredit Services
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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. The company carries a $3.84B 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
$3.84B
Beta
1.18
P/E (TTM)
7.74
P/E (Fwd)
7.22
EPS (TTM)
$12.90
EPS (Fwd)
$13.84
ROE
17.4%
ROA
2.6%
Cash
$3.68B
Total Debt
$3.28B
Free CF
—
52W Change
52.5%
Annual Financials
Cash vs Debt
Where BFH stands vs its 150-day and 200-day moving averages
As of the October 15, 2026 close, BFH finished 3.88% above its 150-day moving average ($95.26) and 10.22% above its 200-day moving average ($89.78). 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 October 15, 2026 close, BFH's RSI(14) was 43.1, in neutral territory (between 30 and 70). The MACD histogram was positive, so short-term momentum leaned bullish at that close. These readings are historical, refresh daily after market close, and are not investment advice.
Bread Financial Holdings, Inc. holds $3.68B in cash against $3.28B in total debt, giving it a net cash position. This means the company could theoretically pay off all its debt and still have cash remaining. 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).
Investors considering Bread Financial Holdings, Inc. should weigh the typical risks associated with BFH's sector, size, and financial profile against their own risk tolerance and investment objectives. These risk factors are not exhaustive — macroeconomic shifts, regulatory changes, and competitive dynamics can all influence Bread Financial Holdings, Inc.'s trajectory.