Frequently Asked Questions about Bread Financial Holdings, Inc. (BFH)

Name: Bread Financial Holdings, Inc. (BFH) Institutional Financial Dataset
Creator: Olyth
License: https://olyth.xyz

Question 1

What does Bread Financial Holdings, Inc. (BFH) do?

Accepted Answer

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, account origination, and funding services for approximately 1...

Question 2

Is Bread Financial Holdings, Inc. (BFH) a good stock to buy?

Accepted Answer

Olyth's institutional analysis of BFH reveals an Altman Z-Score of -0.08 and a Piotroski F-Score of 7/9. These metrics, combined with its 5-year revenue trend ($4.70B most recent), help investors decide if BFH fits their risk profile.

Question 3

What is the current P/E ratio for BFH?

Accepted Answer

As of the latest trading session, Bread Financial Holdings, Inc. (BFH) has a trailing P/E ratio of 6.44.

Question 4

Who is the CEO of Bread Financial Holdings, Inc.?

Accepted Answer

The current Chief Executive Officer of Bread Financial Holdings, Inc. is Ralph J. Andretta.

Question 5

What was BFH's revenue for the last 5 years?

Accepted Answer

According to its latest income statements, Bread Financial Holdings, Inc. reported annual revenues of $4.70B (2025), $4.80B (2024), $5.17B (2023), $4.37B (2022), $3.27B (2021) respectively.

Question 6

Does BFH pay a dividend?

Accepted Answer

Bread Financial Holdings, Inc. currently pays a dividend to its shareholders, with a trailing dividend yield of 1.18%.

Question 7

How much debt and cash flow does BFH have?

Accepted Answer

In its latest reporting period, Bread Financial Holdings, Inc. generated $2.09B in Free Cash Flow against a total debt load of $4.39B.

Question 8

What is the Price-to-Book (P/B) ratio of Bread Financial Holdings, Inc.?

Accepted Answer

The Price-to-Book (P/B) ratio for Bread Financial Holdings, Inc. (BFH) is currently 1.00.

Question 9

What is the Price-to-Sales (P/S) ratio of BFH?

Accepted Answer

Based on trailing twelve-month data, Bread Financial Holdings, Inc. (BFH) trades at a Price-to-Sales (P/S) ratio of 0.72.

Question 10

What is Bread Financial Holdings, Inc.'s Return on Equity (ROE)?

Accepted Answer

Bread Financial Holdings, Inc. (BFH) has a Return on Equity (ROE) of 16.09%, representing its profitability relative to shareholder equity.

Period	Operating CF	SBC	CapEx	Free CF	True FCF
2025-12	2.1B	56M	0	2.1B	2B
2024-12	1.9B	54M	0	1.9B	1.8B
2023-12	2B	44M	0	2B	1.9B
2022-12	1.8B	33M	-68M	1.8B	1.7B
2021-12	1.5B	29M	-84M	1.5B	1.4B

Period	Operating CF	SBC	CapEx	Free CF	True FCF
2025-12	2.1B	56M	0	2.1B	2B
2024-12	1.9B	54M	0	1.9B	1.8B
2023-12	2B	44M	0	2B	1.9B
2022-12	1.8B	33M	-68M	1.8B	1.7B
2021-12	1.5B	29M	-84M	1.5B	1.4B