Bread Financial (BFH)
What the price implies
A reverse DCF: instead of guessing a fair value, it asks what growth today's price already assumes. How it works.
Fundamental grade
Five factors scored 1 to 9 from BFH's latest numbers, weighted into one grade. It describes the business, not whether the stock is a buy.
Key numbers
Results from SEC filings
Fiscal years, from Bread Financial's 10-K filings. Ten years of the full income statement, balance sheet and cash flow.
| Fiscal year | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|
| Revenue | $3.3B | $3.8B | $4.3B | $3.8B | $3.8B |
| Net income | $801M | $223M | $718M | $277M | $518M |
| Free cash flow | $1.5B | $1.8B | — | — | — |
| EPS (diluted) | $16.02 | $4.46 | $14.34 | $5.49 | $10.89 |
| Operating margin | — | — | — | — | — |
Where the revenue comes from
Revenue by segments, fiscal 2020. Every breakdown, year by year.
Superinvestors who own BFH
From each investor's latest 13F filing (what a 13F shows). 3 of the investors we track hold it.
| Investor | Last quarter | Value | % of portfolio | Quarter |
|---|---|---|---|---|
| Richard Pzena Pzena Investment Management |
Trimmed | $35M | 0.10% | Q2 2026 |
| Cliff Asness AQR Capital Management |
Trimmed | $20M | 0.01% | Q2 2026 |
| Bill Miller Miller Value Partners |
Trimmed | $14M | 3.4% | Q2 2026 |
Insider buying
Open-market purchases by Bread Financial's executives and directors in the last 12 months, from SEC Form 4 filings. What insider buying tells you.
| Date | Insider | Shares | Price | Value |
|---|---|---|---|---|
| Sep 14, 2026 | Dennis James Mccarthy EVP, Chief Revenue Officer |
16 | $108.14 | $1,718 |
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In the full deep dive
Questions
Are Bread Financial insiders buying the stock?
1 open-market insider purchase of BFH in the last 12 months, from SEC Form 4 filings.
Which superinvestors own Bread Financial?
3 of the superinvestors Investingly tracks hold BFH in their latest 13F, including Richard Pzena, Cliff Asness, Bill Miller.
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Prices and ratios as of Oct 11, 2026; statements from SEC filings. Information only, not investment advice. Superinvestor holdings come from 13F filings, which are filed up to 45 days after each quarter ends.