BFH
Bread Financial Holdings, Inc.
NYSE: BFH · FINANCIAL SERVICES · CREDIT SERVICES
$85.42
-1.04% today
Updated 2026-04-29
Market cap
$3.45B
P/E ratio
6.97
P/S ratio
1.31x
EPS (TTM)
$12.25
Dividend yield
1.02%
52W range
$47 – $99
Volume
0.7M
Bread Financial Holdings, Inc. (BFH) Financial statements
SEC filings — annual and quarterly data.
Profit margin
21.20%
Operating margin
34.00%
ROE
17.50%
ROA
2.51%
Debt/equity
1.29x
Margin trends — annual
Gross margin Operating margin Profit margin
| Year | Revenue | Net income | Gross margin | Op. margin | Profit margin |
|---|---|---|---|---|---|
| 2006 | $1.66B | $189.60M | 31.02% | 22.54% | 11.44% |
| 2007 | $1.96B | $164.06M | 29.97% | 21.47% | 8.36% |
| 2008 | $2.03B | $206.40M | 29.77% | 22.74% | 10.19% |
| 2009 | $1.96B | $143.73M | 23.69% | 20.76% | 7.32% |
| 2010 | $2.79B | $193.74M | 33.23% | 22.54% | 6.94% |
| 2011 | $3.17B | $315.29M | 33.49% | 25.61% | 9.94% |
| 2012 | $3.64B | $422.26M | 34.14% | 26.76% | 11.60% |
| 2013 | $4.32B | $496.17M | 33.91% | 25.44% | 11.49% |
| 2014 | $5.30B | $506.30M | 34.39% | 20.71% | 9.55% |
| 2015 | $6.44B | $596.50M | 35.64% | 19.59% | 9.26% |
| 2016 | $7.14B | $515.80M | 34.08% | 17.73% | 7.23% |
| 2017 | $5.47B | $788.70M | 46.57% | 27.73% | 14.41% |
| 2018 | $5.67B | $963.10M | 45.66% | 31.01% | 17.00% |
| 2019 | $3.35B | $278.00M | 69.43% | 39.05% | 8.30% |
| 2020 | $3.30B | $214.00M | 59.13% | 26.94% | 6.49% |
| 2021 | $3.27B | $801.00M | 63.06% | 31.93% | 24.50% |
| 2022 | $3.83B | $223.00M | 58.34% | 20.96% | 5.83% |
| 2023 | $4.29B | $718.00M | 71.35% | 37.14% | 16.74% |
| 2024 | $3.84B | $277.00M | 63.60% | 7.27% | 7.22% |
| 2025 | $4.70B | $518.00M | 63.33% | 13.07% | 11.02% |