Lumida
/BFH
⌘K
Bread Financial Holdings Inc

Bread Financial Holdings Inc

BFH
$106.37USD-0.46%-0.49 today

MARKET CAP

4.1B

P/E (TTM)

8.7x

FWD P/E

DAY RANGE

$104 – $111

52W RANGE

$54
$115

AI Summary

Stalk
StalkMedium

In a Stage 2 uptrend, BFH remains structurally bullish with the long-term trend intact above the 200DMA, but recent consolidation has taken price back to the SMA50 and horizontal support zone near $104–$106. EMAs have flattened without clear sign of a rebound, so medium-term direction remains bullish but timing is neutral. Under the Free Cash Flow + Buybacks strategy, it’s prudent to defer entry and watch for pullback acceptance around the 50-day SMA.

  • Q1 revenue $1.07 B (+5% YoY) and net income $181 M (+6%)
  • Credit sales rose to $6.5 B (+7% YoY); DTC deposits +16%
  • Negative profitability factors with shrinking late-fee revenue pressure margins
Full analysis →
STATEMENT·Income statement
USD · GAAP
METRICFY 2022FY 2023FY 2024FY 2025TREND
Sales, Adj.$4.7B$5.1B$5.0B$4.9B
YoY %+7.6%-2.5%-0.5%
P / Sales0.4x0.3x0.6x0.7x
EV / Sales4.5x3.6x3.9x3.9x
Gross Profit, Adj.$4.5B$4.5B$4.4B$4.4B
YoY %+1.4%-4.2%+0.7%
Margin %94.9%89.4%87.8%88.8%
EV / Gross Profit4.7x4.0x4.4x4.4x
EBITDA, Adj.$1.1B$1.3B$989.0M$1.2B
YoY %+25.2%-26.4%+24.9%
Margin %22.7%26.4%19.9%25.0%
EV / EBITDA19.7x13.6x19.5x15.6x
EBIT$960.0M$1.2B$899.0M$1.2B
YoY %+27.8%-26.7%+28.5%
Margin %20.3%24.1%18.1%23.4%
EV / EBIT22.0x14.9x21.4x16.7x
Net Income$223.0M$718.0M$277.0M$518.0M
YoY %+222.0%-61.4%+87.0%
Net Margin4.7%14.1%5.6%10.5%
EPS (GAAP)$4.46$14.34$5.49$10.89
YoY %+221.5%-61.7%+98.4%