Price History
Feb 9, 2026 — Apr 4, 2026Investment Snapshot
- Trading 48% below Graham Number ($137.13) — significant margin of safety
- Piotroski F-Score 6/9 — moderate financial health
- ROE of 14.0% — below-average profitability
BREAD FINANCIAL HOLDINGS, INC. (BFH) is a Financial Services company operating in Personal Credit Institutions, listed on the NYSE , with a market capitalisation of $3.1 billion . Key value metrics: P/E ratio 6.6, P/B ratio 0.93, Piotroski F-Score 6 out of 9 (moderate financial health) .
Value Score
Key Metrics
Current vs 5-Year Average
Based on 5 years of SEC filingsRevenue & Net Income
Financial Statements
| Metric | FY22 | FY23 | FY24 |
|---|---|---|---|
| Revenue | $X.XB | $X.XB | $X.XB |
| Gross Profit | $X.XB | $X.XB | $X.XB |
| Operating Income | $X.XB | $X.XB | $X.XB |
| Net Income | $X.XB | $X.XB | $X.XB |
| EBITDA | $X.XB | $X.XB | $X.XB |
| Total Assets | $X.XB | $X.XB | $X.XB |
| Total Liabilities | $X.XB | $X.XB | $X.XB |
BREAD FINANCIAL HOLDINGS, INC. — Fundamental Analysis Summary
BREAD FINANCIAL HOLDINGS, INC. (BFH) is trading 48% below its Graham Number of $137.13 — a significant margin of safety by Benjamin Graham's standard. The stock carries a low trailing P/E ratio of 6.6x.
On financial health, BFH shows a moderate Piotroski F-Score of 6/9, and modest return on equity of 14.0% (sector average: 5.8%), and elevated leverage with a debt-to-equity ratio of 1.29.
StockPik's composite Value Score for BFH is 92/100 — placing it in undervalued territory. The score is built from ten fundamental signals: P/E, P/B, PEG ratio, P/S ratio, return on equity, gross margin, debt-to-equity, current ratio, dividend yield, and Piotroski F-Score.
BFH shows earnings growing at 87%.
BFH pays a modest dividend yield of 1.2%.