# Bread Financial Holdings, Inc. (BFH)

- Sector: Financials · Industry: Credit Services
- SEC CIK: 0001101215 ([filings on EDGAR](https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=0001101215))
- Full page: https://inspectstocks.com/stocks/bfh
- Data as of: price 2026-09-25; newest filing used 2026-07-28; latest fiscal period ended 2026-06-30

## Grade

**A+** on the balance-sheet rubric used for lenders, 5 of 5 checks passed.

| Check | Result | Now | Before |
| --- | --- | --- | --- |
| Profitable | passed | $569M |  |
| Earnings growing overall | passed | $569M | $503M |
| Earnings growing recently | passed | $569M | $518M |
| Earns well on its assets | passed | 2.5% |  |
| Book value per share growing | passed | $69.89 | $45.30 |

Business quality (the + / − mark): 8 of 9 checks passed.

| Check | Result | Now | Before |
| --- | --- | --- | --- |
| Profitable | passed | 14.4% |  |
| Healthy profit margin | passed | 14.4% |  |
| Strong operating margin | passed | 40.9% |  |
| Good return on equity | passed | 17.1% |  |
| Debt under control | passed | 1.32 |  |
| Turns sales into cash | passed | 45.0% |  |
| Earns a wide spread on lending | passed | 18.5% |  |
| Runs the bank efficiently | passed | 51.9% |  |
| Credit losses well covered | failed | 33.6% |  |

How the grade works: the letter counts failed checks (none → A, one → B, two → C, three → D, four or more → F). It is built from SEC filings only — the share price never enters it — and describes the business, not whether the stock is worth buying.

## Key figures

In US dollars, as filed.

| Measure | Value |
| --- | --- |
| Revenue, trailing twelve months | $4B |
| Net income, trailing twelve months | $569M |
| Net margin | 14.4% |
| Return on equity | 17.1% |
| Debt to equity | 1.32 |
| Diluted EPS, trailing twelve months | $12.90 |
| Share price | $102.91 |
| Market value | $4B |
| Price / earnings | 8.0x |
| Price / sales | 1.0x |

## More on this company

- [Overview](https://inspectstocks.com/stocks/bfh)
- [Financial statements](https://inspectstocks.com/stocks/bfh/financials)
- [Competitors](https://inspectstocks.com/stocks/bfh/peers)
- [Earnings](https://inspectstocks.com/stocks/bfh/earnings)

---

Source: InspectStocks, built from the company’s own SEC filings. This describes a business — it is not investment advice and not a recommendation to buy or sell anything.