Bread Financial Holdings, Inc. (BFH)

From the record

Bread Financial Holdings, Inc.'s filings since 2017 show 6 warning events: a debt default or acceleration notice (8-K item 2.04, 6 times, the latest 2025-10-28) (its current reports).

From the record

Bread Financial Holdings, Inc.'s 8 filed years say what it did: revenue went from $12 million in fiscal 2018 to $4.9 billion in fiscal 2025, up 137.3% a year; it rose in 3 of 7 years; the deepest fall was 20% from fiscal 2019 to fiscal 2021; net income was positive in 8 of 8 of those years (its annual reports).

From the record

Over the 3 fiscal years to 2025-12-31, Bread Financial Holdings, Inc.'s diluted share count shrank about 1.6% a year, and dividends and buybacks returned about 9% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 5 sales (3 under scheduled 10b5-1 plans) and 6 purchases of their own stock on the open market in the year to 2026-11-12, buying about $412 thousand (their Form 4 filings).

From the record

Return on equity: in the fiscal year ended 2025-12-31, Bread Financial Holdings, Inc. earned about 16 cents of profit for every dollar of shareholders' money. Leverage: it owed about 85 cents per dollar of assets, and net share issuance: its share count shrank 5.6% over the year (the filed statements).

From the record

Bread Financial Holdings, Inc.'s standing among 11 graded names in its industry family: revenue of $4.9 billion in fiscal 2025 ranks in the top 14% by size; a net margin of 10.5% ranks in the bottom 41%; revenue growth of 1.6% a year over the last 3 filed years ranks in the bottom 23% (its annual reports).

From the record

Bread Financial Holdings, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Andretta, Ralph J (President and CEO, as filed), filing under that title since 2020-02-07, 6.8 years (top 32% of its family); the 17 officers and directors filing in the last fifteen months have been on the record a median of 5.8 years (top 50%); 3 officer or director changes were reported on Form 8-K since 2023-11-13, against the 17 people in charge now (top 32%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

Bread Financial Holdings, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $3.6 billion against debt of $4.3 billion leaves -3.1% of its assets as net cash, top 32% of its family; cash from operations less capital spending is 42.6% of revenue (bottom 41%) (its annual report).

From the record

Bread Financial Holdings, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 1.6% a year over the last three filed years against 137.3% over all 8, slowing (bottom 5% of its family); the newest year grew -2.2% (bottom 14%); capital spending grew -21.8% a year (bottom 17%) (its annual reports). Bread Financial Holdings, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

From the record

Bread Financial Holdings, Inc.'s newest year against its own record: revenue of $4.9 billion in fiscal 2025 came in 5.6% below the $5.2 billion its prior three years' pace pointed to (bottom 32% of its family); net income of $518 million against a prior three-year average of $406 million (top 41%); a net margin of 10.5% against 8.1% before (top 32%) (its annual reports).