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Other financials

Income statement

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Revenue$993.0M+6.9%
Gross profit$361.8M
Operating income$382.8M
Net income$146.0M+5.0%
EPS (diluted)$3.55+20.7%

Balance sheet

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Cash & equivalents$3.8B-1.5%
Total debt$85.0M-98.5%
Total equity$3.4B+6.3%
Total assets$22.5B+2.9%

Cash flow

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Operating cash flow$533.0M+1.3%
CapEx$15.0M-40.5%
Free cash flow$482.0M+55.6%

Valuation

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Market cap$4.44B+62.3%
P/S1.1×+0.4×

Profitability

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Gross margin46.7%
Operating margin45.9%
Net margin14.4%+6.9pp
FCF margin46.5%+1.9pp

Returns & leverage

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Return on equity17.4%+8.4pp
Debt / equity-1.8×
Current ratio1.5×

Where this comes from

Calculated from Bread Financial Holdings’s reported figures.

Based on the most recent quarter.

The source filing: Bread Financial Holdings’s 10-Q, filed July 28, 2026. Open the filing →

Filed
Jul 27, 2026, 8:00 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001101215-26-000074

FAQ

What is Bread Financial Holdings's price / earnings?
Bread Financial Holdings (BFH) reported price / earnings of 7.7× in Q2 2026.
How has Bread Financial Holdings's price / earnings changed year-over-year?
Bread Financial Holdings's price / earnings decreased by 15.2% year-over-year, from 9.1× to 7.7×.
What is the long-term trend for Bread Financial Holdings's price / earnings?
Over 4 years (2020 to 2025), Bread Financial Holdings's price / earnings has grown at a -21.7% compound annual growth rate (CAGR), from 17.3× to 6.5×.
What does price / earnings mean?
Market capitalization at the quarter end divided by trailing-twelve-month net income. The price the market pays for each dollar of trailing earnings.

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