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Bread Financial Holdings, Inc.

corporate_fare Company Profile

Bread Financial Holdings, Inc.

BFH·NYSE·Finance·CIK 0001101215

Bread Financial is a tech-forward financial services company offering payment, lending, and saving solutions to millions of U.S. consumers. The company provides general purpose credit cards and savings products under the Bread Financial brand. It also offers private label and co-brand credit cards and pay-over-time products for various brands. Co-brand credit card programs, compared to private label programs, show higher credit sales per account, an improved credit risk mix, generally resulting in higher transactor balances, lower delinquencies and late fees, and lower losses. Bread Financial also offers proprietary credit cards and Bread Pay products, which include installment loans and "split-pay" offerings. The company's partners include large consumer-based businesses and small- and medium-sized businesses (SMBs). Notable partners include AAA, Academy Sports + Outdoors, Caesars, Dell Technologies, Hard Rock International, the NFL, Raymour & Flanigan, Saks Fifth Avenue, Signet, Ulta, and Victoria's Secret. These partners span industries such as travel and entertainment, specialty apparel, health and beauty, jewelry, sporting goods, technology and electronics, and home and furniture. The company's suite of solutions, along with marketing and data and analytics, serves all customer segments: Gen Z, Millennial, Gen X, and Baby Boomers.

Bread Financial Holdings, Inc. (NYSE:BFH) is a publicly traded company in the Finance sector. Wiseek monitors BFH SEC EDGAR filings and licensed market news in real time, scoring each submission for market-moving significance on a 1–10 scale. Items rated 7 or higher generate instant alerts.

Recent high-impact activity:

  • Bread Financial Reports Improving Credit Trends: June Net Loss Rate Drops to 6.88%
  • Bread Financial Q2 Earnings: $146M Net Income, EPS $3.55, Raises 2026 Outlook
  • Bread Financial's May Credit Quality Improves: Net Loss Rate Falls to 6.98%, Delinquencies Down
  • Bread Financial Reports Improved May Credit Quality and Loan Growth
  • Bread Financial Reports Improved Credit Quality and Loan Growth in April Update

Financial Snapshot

Fiscal year ended December 31, 2025
Revenue
$3.85B
Net Income
$518M
Diluted EPS
$10.89
Op. Cash Flow
$2.09B
Cash & Equivalents
$3.6B
Total Debt
$4.31B
Debt / Equity
1.29×
Net Margin
13.5%
Shares Outstanding
44.1M sh
Source: 10-K · filed 2026-02-13 · accession 0001101215-26-000016

Dilution Risk

Low risk

Filing-implied dilution signals for BFH, detected from its recent SEC filings · based on capital-structure filings through 2026-05-06.

1 recent capital raise

Finalized Preferred Stock Offering · Substantial Capital Raise

⚠ A more recent filing has been published for this ticker since this signal was computed; it may not yet be reflected — see the filings below.

A filing-implied signal, not a realized share count. How Wiseek tracks dilution →

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$106.12 +0.01% today
52-week range · as of 2026-07-23 $53.83 – $109.91
Market cap
$4.29B
Volume
1.2M (1.5× avg)
3-mo avg 750.6K
Live data · 2026-07-28 00:14 UTC · Market overnight

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feed BFH - Latest Insights

BFH
Jul 23, 2026, 6:56 AM EDT
Filing Type: 8-K
Importance Score:
7
Price at Filing: $101.88
Real-time Price: $106.12 info
Change: +$4.24 (+4%) info
Market Cap: $4.288B info
BFH
Jul 23, 2026, 6:51 AM EDT
Filing Type: 8-K
Importance Score:
8
Price at Filing: $101.88
Real-time Price: $106.12 info
Change: +$4.24 (+4%) info
Market Cap: $4.288B info
BFH
Jun 10, 2026, 7:33 AM EDT
Source: Wiseek News
Importance Score:
8
Price at Filing: $94.98
Real-time Price: $106.12 info
Change: +$11.14 (+12%) info
Market Cap: $4.288B info
BFH
Jun 10, 2026, 7:32 AM EDT
Filing Type: 8-K
Importance Score:
8
Price at Filing: $94.98
Real-time Price: $106.12 info
Change: +$11.14 (+12%) info
Market Cap: $4.288B info
BFH
May 15, 2026, 7:31 AM EDT
Filing Type: 8-K
Importance Score:
7
Price at Filing: $86.83
Real-time Price: $106.12 info
Change: +$19.29 (+22%) info
Market Cap: $4.288B info
BFH
May 12, 2026, 12:22 PM EDT
Filing Type: 8-K
Importance Score:
8
Price at Filing: $84.05
Real-time Price: $106.12 info
Change: +$22.07 (+26%) info
Market Cap: $4.288B info
BFH
May 06, 2026, 5:21 PM EDT
Filing Type: 424B5
Importance Score:
7
Price at Filing: $88.30
Real-time Price: $106.12 info
Change: +$17.82 (+20%) info
Market Cap: $4.288B info
BFH
May 05, 2026, 8:14 PM EDT
Filing Type: 8-K
Importance Score:
8
Price at Filing: $88.09
Real-time Price: $106.12 info
Change: +$18.03 (+20%) info
Market Cap: $4.288B info
BFH
May 05, 2026, 5:19 PM EDT
Filing Type: FWP
Importance Score:
8
Price at Filing: $85.09
Real-time Price: $106.12 info
Change: +$21.03 (+25%) info
Market Cap: $4.288B info
BFH
May 05, 2026, 9:03 AM EDT
Source: Wiseek News
Importance Score:
7
Price at Filing: $83.56
Real-time Price: $106.12 info
Change: +$22.56 (+27%) info
Market Cap: $4.288B info
BFH
May 05, 2026, 8:54 AM EDT
Filing Type: 8-K
Importance Score:
7
Price at Filing: $81.90
Real-time Price: $106.12 info
Change: +$24.22 (+30%) info
Market Cap: $4.288B info
BFH
Apr 27, 2026, 5:49 PM EDT
Filing Type: 10-Q
Importance Score:
8
Price at Filing: $88.00
Real-time Price: $106.12 info
Change: +$18.12 (+21%) info
Market Cap: $4.288B info
BFH
Apr 23, 2026, 6:51 AM EDT
Filing Type: 8-K
Importance Score:
9
Price at Filing: $92.44
Real-time Price: $106.12 info
Change: +$13.68 (+15%) info
Market Cap: $4.288B info
BFH
Apr 07, 2026, 7:00 AM EDT
Filing Type: DEF 14A
Importance Score:
7
Price at Filing: $75.17
Real-time Price: $106.12 info
Change: +$30.95 (+41%) info
Market Cap: $4.288B info
BFH
Mar 11, 2026, 7:03 AM EDT
Source: Wiseek News
Importance Score:
7
Price at Filing: $72.59
Real-time Price: $106.12 info
Change: +$33.53 (+46%) info
Market Cap: $4.288B info
BFH
Mar 10, 2026, 6:00 AM EDT
Source: GlobeNewswire
Importance Score:
8
Price at Filing: $72.46
Real-time Price: $106.12 info
Change: +$33.66 (+46%) info
Market Cap: $4.288B info
BFH
Feb 26, 2026, 7:31 AM EST
Filing Type: 8-K
Importance Score:
9
Price at Filing: $73.19
Real-time Price: $106.12 info
Change: +$32.93 (+45%) info
Market Cap: $4.288B info
BFH
Feb 18, 2026, 7:59 AM EST
Filing Type: 8-K
Importance Score:
8
Price at Filing: $73.16
Real-time Price: $106.12 info
Change: +$32.96 (+45%) info
Market Cap: $4.288B info
BFH
Feb 13, 2026, 7:32 AM EST
Filing Type: 10-K
Importance Score:
8
Price at Filing: $72.27
Real-time Price: $106.12 info
Change: +$33.85 (+47%) info
Market Cap: $4.288B info
BFH
Feb 10, 2026, 7:01 AM EST
Filing Type: 8-K
Importance Score:
7
Price at Filing: $77.90
Real-time Price: $106.12 info
Change: +$28.22 (+36%) info
Market Cap: $4.288B info