Bread Financial Holdings, Inc. (BFH)
Financial Services · NYQ
Price as at 24 Aug 2026, 04:27 UTC. Quotes are delayed.
Fundamentals
Valuation and ratings
Bread Financial Holdings, Inc. trades at USD105.91, which is 106% below the USD218.20 our fair value estimate puts on the business. On that measure alone it screens as undervalued, though a valuation model is an argument rather than a measurement, and the market is frequently right about why something is cheap.
Our moat model scores it 41 out of 100, which is little in the way of a moat. A moat is a structural reason competitors cannot take the profits away, and it matters more to a long holding period than any single quarter's numbers do.
It changes hands at 8.0 times earnings. Be careful reading that in isolation: for a cyclical business a low P/E arrives at the top of the cycle, when profits are peaking and about to fall, which is exactly when the shares look cheapest and are not.
BFH dividend history
Dividends per share by year
| Year | Total per share | Payments |
|---|---|---|
| 2026 (year to date) | USD0.690 | 3 |
| 2025 | USD0.860 | 4 |
| 2024 | USD0.840 | 4 |
| 2023 | USD0.840 | 4 |
| 2022 | USD0.840 | 4 |
| 2021 | USD0.713 | 4 |
| 2020 | USD1.01 | 4 |
| 2019 | USD2.01 | 4 |
| 2018 | USD1.82 | 4 |
| 2017 | USD1.66 | 4 |
| 2016 | USD0.415 | 1 |
Split-adjusted amounts in the listing currency, grouped by the calendar year of the ex-dividend date, from the filed record. Growth and streak figures compare complete years only.
BFH earnings and analyst estimates
Recommendation mix, 17 published ratings
Estimates are the published analyst consensus and move often. An earnings date is scheduled, not certain, and a share tends to reprice most violently on the day itself.
About Bread Financial Holdings, Inc.
Bread Financial Holdings, Inc. provides tech-forward payment and lending solutions to customers and consumer-based industries in North America. 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. The company also manages and services the loans it originates for private label, co-brand, and general-purpose credit card programs, and installment loans and split-pay products; and provides marketing, and data and analytics services. In addition, it offers an enhanced digital suite that includes a unified software development kit, which provides access to its suite of products, as well as promotes credit payment options earlier in the shopping experience. Further, the company through Bread Pay, a digital payments platform and robust suite of application programming interfaces allows merchants and partners to integrate online point-of-sale financing and other digital payment products. Additionally, it offers retail and deposit products, primarily in the form of certificates of deposit and high-yield savings accounts, including traditional and Roth Individual Retirement Accounts. The company offers its products under the Bread, Bread Financial, Bread Cashback, Bread Rewards, Bread Pay, and Bread Savings brands. The company was formerly known as Alliance Data Systems Corporation and changed its name to Bread Financial Holdings, Inc. in March 2022. Bread Financial Holdings, Inc. was incorporated in 1995 and is headquartered in Columbus, Ohio.
Company profile, industry and headcount are as reported by our data provider and can lag a company's own filings by a reporting period. The annual report is the authority.
BFH passes 3 of our 30 screens today
Each screen prints the exact criteria it used, and the circumstances in which it is wrong.
Super investor ownership
9 of the funds we track reported a position in their latest SEC 13F filing. Largest first:
- Arrowstreet Capital, ARROWSTREET CAPITAL, LIMITED PARTNERSHIP$113.25M · 0.1% of book
- Richard Pzena, PZENA INVESTMENT MANAGEMENT LLC$35.48M · 0.1% of book
- Israel Englander, MILLENNIUM MANAGEMENT LLC$33.08M · 0.0% of book
- Cliff Asness, AQR CAPITAL MANAGEMENT LLC$19.98M · 0.0% of book
- Bill Miller, MILLER VALUE PARTNERS, LLC$14.39M · 3.4% of book
A word of warning on reading these figures: a 13F reports the market value of a holding, so a fund that traded nothing at all still appears to have sold when the price fell. We found 102 companies where the standard reading gives the opposite answer. Only the share count is honest.
Common questions
Is Bread Financial Holdings, Inc. (BFH) undervalued?
Against our fair value estimate of USD218.20, BFH at USD105.91 is 106% below fair value. That is one model's answer, not a recommendation. It is built from normalized earning power with growth capped deliberately low, which understates companies whose value is mostly future growth.
Which funds own BFH?
9 of the institutions we track reported a position in BFH in their most recent SEC 13F filing. A 13F is filed up to 45 days after quarter end, so it tells you what a fund held then, not what it holds now.
What is BFH's P/E ratio?
BFH trades at 8.0 times earnings. A low P/E is not automatically cheap: on a cyclical company it is usually a warning that earnings are at a peak.
Does Bread Financial Holdings, Inc. (BFH) pay a dividend?
Yes. Bread Financial Holdings, Inc. yields 0.93% at the current share price. It has paid USD0.920 per share over the trailing twelve months. It has paid a dividend in each of the last 10 complete calendar years. A dividend is declared by the board and can be cut at any time; a yield is a fact about the current price, not a promise.
Where does SteadyShares get its BFH data?
Fundamentals for BFH come from company filings and exchange data, as listed on NYQ; institutional ownership comes from SEC 13F filings. The share price shown was last refreshed on 24 Aug 2026, 04:27 UTC and is delayed. Our data quality score for this company is 88/100, which is the share of the inputs behind our scores that were actually available rather than assumed. Metrics we do not hold are left out of the page rather than estimated.
The full research page for BFH, with financial statements, ownership detail, peer comparison and alerts, is free inside the app.
Data from company filings, exchange quotes and SEC EDGAR 13F disclosures. Quotes are delayed. Metrics we do not have are left out rather than estimated. Educational information, not financial advice.