BREAD FINANCIAL HOLDINGS, INC.
BFH-PANYSE
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End-of-day
Price
No price history ingested.
Key statistics
No screener snapshot for this ticker.
Company profile
Management & directors
- Andretta Ralph JPresident and CEO
- Beberman Perry SEVP, Chief Financial Officer
- Campbell Jonathan BryanSVP, Chief Accounting Officer
- Driscoll Allegra SEVP, Chief Technology Officer
- Greer Valerie EEVP, Chief Commercial Officer
- Mcconnaughey Tammy MEVP, Operations & Credit Risk
- Motes Joseph L IiiEVP, CAO, Gen Counsel & Secy
Roles derived from SEC Form 4 filings.
Earnings
Next earnings · estimated2026-08-03
BFH-PA Q1 2026 Earnings
Period ends 2026-03-31
MetricActualYoY
Revenue$1.0B↑ +4.9%
Diluted EPS$4.15↑ +49.3%
Actuals from SEC filings; YoY vs the year-ago quarter. Analyst estimates & surprise require a data feed (coming soon).
Financial statements
| Line item | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Revenue | $4.5B | $3.3B | $3.8B | $4.3B | $3.8B | $3.8B |
| Gross profit | — | — | — | — | — | — |
| Operating income | $301.0M | — | — | — | — | — |
| Net income | $214.0M | $801.0M | $223.0M | $718.0M | $277.0M | $518.0M |
| Diluted EPS | $4.46 | $16.02 | $4.46 | $14.34 | $5.49 | $10.89 |
| Operating cash flow | $1.9B | $1.5B | $1.8B | $2.0B | $1.9B | $2.1B |
| Free cash flow | — | — | — | — | — | — |
| Gross margin | — | — | — | — | — | — |
| Operating margin | 6.7% | — | — | — | — | — |
| Net margin | 4.7% | 24.5% | 5.8% | 16.7% | 7.2% | 13.5% |
| Line item | Q2 '24 | Q3 '24 | Q4 '24 | Q1 '25 | Q2 '25 | Q3 '25 | Q4 '25 | Q1 '26 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $939.0M | $983.0M | $925.0M | $970.0M | $929.0M | $971.0M | $975.0M | $1.0B |
| Gross profit | — | — | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — | — | — |
| Net income | $133.0M | $2.0M | $8.0M | $138.0M | $139.0M | $188.0M | $53.0M | $181.0M |
| Diluted EPS | $2.66 | $0.05 | $0.08 | $2.78 | $2.94 | $3.96 | $1.21 | $4.15 |
| Operating cash flow | $477.0M | $456.0M | $479.0M | $393.0M | $526.0M | $605.0M | $568.0M | $487.0M |
| Free cash flow | — | — | — | — | — | — | — | — |
| Gross margin | — | — | — | — | — | — | — | — |
| Operating margin | — | — | — | — | — | — | — | — |
| Net margin | 14.2% | 0.2% | 0.9% | 14.2% | 15.0% | 19.4% | 5.4% | 17.8% |
Company news
Coming soonHeadlines for BFH-PA will appear here once the news feed is connected.
Analyst estimates
Coming soonConsensus revenue & EPS estimates and price targets will appear here once a forward-estimates data feed is connected.
Insider transactions · last 12 months
BoughtSoldMonthly insider $ volume · trailing 12 months
| Date | Insider | Type | Shares | Price | Value | Filing |
|---|---|---|---|---|---|---|
| 2026-07-15 | Gerspach John C | Award | 730 | — | — | filing |
| 2026-06-15 | Tucker Laurie Anne | Award | 1,638 | — | — | filing |
| 2026-06-15 | Gerspach John C | Award | 1,638 | — | — | filing |
| 2026-06-15 | TURNEY SHAREN J | Award | 1,638 | — | — | filing |
| 2026-06-15 | Lakhwara Praniti | Award | 1,638 | — | — | filing |
| 2026-06-15 | Fawcett John J. | Award | 1,638 | — | — | filing |
| 2026-06-15 | St Clair Joyce | Award | 1,638 | — | — | filing |
| 2026-06-15 | Natarajan Rajesh | Award | 1,638 | — | — | filing |
| 2026-06-15 | THERIAULT TIMOTHY J | Award | 1,638 | — | — | filing |
| 2026-05-29 | Andretta Ralph J· President and CEO | Sale | 12,500 | $89.17 | $1.1M | filing |
| 2026-05-29 | Andretta Ralph J· President and CEO | Sale | 1,500 | $88.23 | $132,345.00 | filing |
| 2026-05-29 | Andretta Ralph J· President and CEO | Sale | 1,000 | $89.57 | $89,570.00 | filing |
| 2026-05-21 | Fawcett John J. | Buy | 698 | $86.43 | $60,328.14 | filing |
| 2026-04-24 | BALLOU ROGER H | Sale | 9,687 | $90.32 | $874,929.84 | filing |
| 2026-04-15 | Gerspach John C | Award | 483 | — | — | filing |
| 2026-02-19 | BALLOU ROGER H | Gift | 1,351 | $0.00 | $0.00 | filing |
| 2026-02-18 | Andretta Ralph J· President and CEO | Tax withholding | 5,326 | $73.74 | $392,739.24 | filing |
| 2026-02-18 | Driscoll Allegra S· EVP, Chief Technology Officer | Tax withholding | 2,564 | $73.74 | $189,069.36 | filing |
| 2026-02-18 | Beberman Perry S· EVP, Chief Financial Officer | Tax withholding | 2,014 | $73.74 | $148,512.36 | filing |
| 2026-02-18 | Greer Valerie E· EVP, Chief Commercial Officer | Tax withholding | 2,003 | $73.74 | $147,701.22 | filing |
| 2026-02-18 | Driscoll Allegra S· EVP, Chief Technology Officer | Tax withholding | 1,752 | $73.74 | $129,192.48 | filing |
| 2026-02-18 | McConnaughey Tammy M· EVP, Operations & Credit Risk | Tax withholding | 1,606 | $73.74 | $118,426.44 | filing |
| 2026-02-18 | Motes Joseph L III· EVP, CAO, Gen Counsel & Secy | Tax withholding | 1,470 | $73.74 | $108,397.80 | filing |
| 2026-02-18 | Campbell Jonathan Bryan· SVP, Chief Accounting Officer | Tax withholding | 1,310 | $73.74 | $96,599.40 | filing |
| 2026-02-17 | Andretta Ralph J· President and CEO | Tax withholding | 56,858 | $73.05 | $4.2M | filing |
| 2026-02-17 | Beberman Perry S· EVP, Chief Financial Officer | Tax withholding | 43,007 | $73.05 | $3.1M | filing |
| 2026-02-17 | Greer Valerie E· EVP, Chief Commercial Officer | Tax withholding | 23,834 | $73.05 | $1.7M | filing |
| 2026-02-17 | Beberman Perry S· EVP, Chief Financial Officer | Tax withholding | 22,516 | $73.05 | $1.6M | filing |
| 2026-02-17 | McConnaughey Tammy M· EVP, Operations & Credit Risk | Tax withholding | 17,861 | $73.05 | $1.3M | filing |
| 2026-02-17 | Motes Joseph L III· EVP, CAO, Gen Counsel & Secy | Tax withholding | 16,918 | $73.05 | $1.2M | filing |
| 2026-02-17 | Campbell Jonathan Bryan· SVP, Chief Accounting Officer | Tax withholding | 2,951 | $73.05 | $215,570.55 | filing |
| 2026-02-17 | Driscoll Allegra S· EVP, Chief Technology Officer | Tax withholding | 2,787 | $73.05 | $203,590.35 | filing |
| 2026-02-17 | McConnaughey Tammy M· EVP, Operations & Credit Risk | Award | 3,984 | — | — | filing |
| 2026-02-17 | Campbell Jonathan Bryan· SVP, Chief Accounting Officer | Award | 1,728 | — | — | filing |
| 2026-02-17 | Andretta Ralph J· President and CEO | Award | 42,122 | — | — | filing |
| 2026-02-17 | Andretta Ralph J· President and CEO | Award | 63,183 | — | — | filing |
| 2026-02-17 | Andretta Ralph J· President and CEO | Award | 19,123 | — | — | filing |
| 2026-02-17 | Motes Joseph L III· EVP, CAO, Gen Counsel & Secy | Award | 8,004 | — | — | filing |
| 2026-02-17 | Motes Joseph L III· EVP, CAO, Gen Counsel & Secy | Award | 12,005 | — | — | filing |
| 2026-02-17 | Motes Joseph L III· EVP, CAO, Gen Counsel & Secy | Award | 4,262 | — | — | filing |
| 2026-02-17 | Greer Valerie E· EVP, Chief Commercial Officer | Award | 9,478 | — | — | filing |
| 2026-02-17 | Greer Valerie E· EVP, Chief Commercial Officer | Award | 14,217 | — | — | filing |
| 2026-02-17 | Greer Valerie E· EVP, Chief Commercial Officer | Award | 5,543 | — | — | filing |
| 2026-02-17 | Beberman Perry S· EVP, Chief Financial Officer | Award | 10,531 | — | — | filing |
| 2026-02-17 | Beberman Perry S· EVP, Chief Financial Officer | Award | 15,796 | — | — | filing |
| 2026-02-17 | Beberman Perry S· EVP, Chief Financial Officer | Award | 5,543 | — | — | filing |
| 2026-02-17 | Campbell Jonathan Bryan· SVP, Chief Accounting Officer | Award | 5,183 | — | — | filing |
| 2026-02-17 | Driscoll Allegra S· EVP, Chief Technology Officer | Award | 7,109 | — | — | filing |
| 2026-02-17 | Driscoll Allegra S· EVP, Chief Technology Officer | Award | 10,663 | — | — | filing |
| 2026-02-17 | McConnaughey Tammy M· EVP, Operations & Credit Risk | Award | 7,898 | — | — | filing |
| 2026-02-17 | McConnaughey Tammy M· EVP, Operations & Credit Risk | Award | 11,847 | — | — | filing |
| 2026-01-15 | Gerspach John C | Award | 499 | — | — | filing |
| 2025-12-11 | Andretta Ralph J· President and CEO | Tax withholding | 4,116 | $73.62 | $303,019.92 | filing |
| 2025-12-11 | Greer Valerie E· EVP, Chief Commercial Officer | Tax withholding | 1,256 | $73.62 | $92,466.72 | filing |
| 2025-12-11 | Motes Joseph L III· EVP, CAO, Gen Counsel & Secy | Tax withholding | 346 | $73.62 | $25,472.52 | filing |
| 2025-10-15 | Gerspach John C | Award | 670 | — | — | filing |
56 transactions in the last 12 months.
Fundamentals & filings from SEC EDGAR. Prices adjusted for splits & dividends. Not investment advice.