Bread Financial Holdings Net Income
| BFH Stock | USD 72.37 0.10 0.14% |
As of the 15th of February 2026, Bread Financial shows the mean deviation of 1.73, and Risk Adjusted Performance of 0.0777. Bread Financial Holdings technical analysis gives you the methodology to make use of historical prices and volume patterns to determine a pattern that approximates the direction of the firm's future prices.
Bread Financial Total Revenue |
|
Gross Profit | Profit Margin | Market Capitalization | Enterprise Value Revenue 1.8389 | Revenue |
| Last Reported | Projected for Next Year | ||
| Net Income | 518 M | 361.2 M | |
| Net Income Applicable To Common Shares | 518 M | 418.6 M | |
| Net Income From Continuing Ops | 251.1 M | 442 M | |
| Net Income Per Share | 11.54 | 12.11 | |
| Net Income Per E B T | 0.84 | 1.17 |
Bread | Net Income | Build AI portfolio with Bread Stock |
The Net Income trend for Bread Financial Holdings offers valuable insights into the company's financial trajectory and strategic direction. By examining multi-year patterns, investors can identify whether Bread Financial is strengthening or weakening its position, and how this metric correlates with broader market conditions and industry benchmarks.
Latest Bread Financial's Net Income Growth Pattern
Below is the plot of the Net Income of Bread Financial Holdings over the last few years. Net income is one of the most important fundamental items in finance. It plays a large role in Bread Financial Holdings financial statement analysis. It represents the amount of money remaining after all of Bread Financial Holdings operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue. It is Bread Financial's Net Income historical data analysis aims to capture in quantitative terms the overall pattern of either growth or decline in Bread Financial's overall financial position and show how it may be relating to other accounts over time.
| View | Last Reported 518 M | 10 Years Trend |
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Net Income |
| Timeline |
Bread Net Income Regression Statistics
| Arithmetic Mean | 468,245,560 | |
| Coefficient Of Variation | 53.89 | |
| Mean Deviation | 198,748,230 | |
| Median | 496,170,000 | |
| Standard Deviation | 252,333,844 | |
| Sample Variance | 63672.4T | |
| Range | 981.1M | |
| R-Value | 0.14 | |
| Mean Square Error | 66517.3T | |
| R-Squared | 0.02 | |
| Significance | 0.58 | |
| Slope | 7,173,981 | |
| Total Sum of Squares | 1018757.9T |
Bread Net Income History
Other Fundumenentals of Bread Financial Holdings
| Net Income Applicable To Common Shares | ||
| Net Income From Continuing Ops | ||
| Net Income Per Share | ||
| Net Income Per E B T |
Bread Financial Net Income component correlations
Bread Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for Bread Financial is extremely important. It helps to project a fair market value of Bread Stock properly, considering its historical fundamentals such as Net Income. Since Bread Financial's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Bread Financial's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Bread Financial's interrelated accounts and indicators.
Click cells to compare fundamentals
Is there potential for Consumer Finance market expansion? Will Bread introduce new products? Factors like these will boost the valuation of Bread Financial. Projected growth potential of Bread fundamentally drives upward valuation adjustments. Understanding fair value requires weighing current performance against future potential. All the valuation information about Bread Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 7.219 | Dividend Share 0.86 | Earnings Share 9.88 | Revenue Per Share | Quarterly Revenue Growth 0.185 |
Investors evaluate Bread Financial Holdings using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating Bread Financial's intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Analysts utilize numerous techniques to assess fundamental value, seeking to purchase shares when trading prices fall beneath estimated intrinsic worth. External factors like market trends, sector rotation, and investor psychology can cause Bread Financial's market price to deviate significantly from intrinsic value.
It's important to distinguish between Bread Financial's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Bread Financial should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Conversely, Bread Financial's market price signifies the transaction level at which participants voluntarily complete trades.
Bread Financial 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to Bread Financial's stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of Bread Financial.
| 11/17/2025 |
| 02/15/2026 |
If you would invest 0.00 in Bread Financial on November 17, 2025 and sell it all today you would earn a total of 0.00 from holding Bread Financial Holdings or generate 0.0% return on investment in Bread Financial over 90 days. Bread Financial is related to or competes with Western Union, Enova International, WesBanco, NMI Holdings, Brighthouse Financial, WSFS Financial, and Bancorp. Bread Financial Holdings, Inc. provides tech-forward payment and lending solutions to customers and consumer-based indus... More
Bread Financial Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure Bread Financial's stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess Bread Financial Holdings upside and downside potential and time the market with a certain degree of confidence.
| Downside Deviation | 3.07 | |||
| Information Ratio | 0.0605 | |||
| Maximum Drawdown | 15.87 | |||
| Value At Risk | (3.31) | |||
| Potential Upside | 4.36 |
Bread Financial Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for Bread Financial's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as Bread Financial's standard deviation. In reality, there are many statistical measures that can use Bread Financial historical prices to predict the future Bread Financial's volatility.| Risk Adjusted Performance | 0.0777 | |||
| Jensen Alpha | 0.1292 | |||
| Total Risk Alpha | 0.0247 | |||
| Sortino Ratio | 0.0504 | |||
| Treynor Ratio | 0.1502 |
Bread Financial February 15, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.0777 | |||
| Market Risk Adjusted Performance | 0.1602 | |||
| Mean Deviation | 1.73 | |||
| Semi Deviation | 2.8 | |||
| Downside Deviation | 3.07 | |||
| Coefficient Of Variation | 1138.55 | |||
| Standard Deviation | 2.56 | |||
| Variance | 6.56 | |||
| Information Ratio | 0.0605 | |||
| Jensen Alpha | 0.1292 | |||
| Total Risk Alpha | 0.0247 | |||
| Sortino Ratio | 0.0504 | |||
| Treynor Ratio | 0.1502 | |||
| Maximum Drawdown | 15.87 | |||
| Value At Risk | (3.31) | |||
| Potential Upside | 4.36 | |||
| Downside Variance | 9.44 | |||
| Semi Variance | 7.86 | |||
| Expected Short fall | (1.64) | |||
| Skewness | (0.97) | |||
| Kurtosis | 4.78 |
Bread Financial Holdings Backtested Returns
Bread Financial appears to be very steady, given 3 months investment horizon. Bread Financial Holdings secures Sharpe Ratio (or Efficiency) of 0.13, which signifies that the company had a 0.13 % return per unit of standard deviation over the last 3 months. We have found twenty-nine technical indicators for Bread Financial Holdings, which you can use to evaluate the volatility of the firm. Please makes use of Bread Financial's mean deviation of 1.73, and Risk Adjusted Performance of 0.0777 to double-check if our risk estimates are consistent with your expectations. On a scale of 0 to 100, Bread Financial holds a performance score of 10. The firm shows a Beta (market volatility) of 1.43, which signifies a somewhat significant risk relative to the market. As the market goes up, the company is expected to outperform it. However, if the market returns are negative, Bread Financial will likely underperform. Please check Bread Financial's treynor ratio, expected short fall, and the relationship between the jensen alpha and potential upside , to make a quick decision on whether Bread Financial's price patterns will revert.
Auto-correlation | -0.21 |
Weak reverse predictability
Bread Financial Holdings has weak reverse predictability. Overlapping area represents the amount of predictability between Bread Financial time series from 17th of November 2025 to 1st of January 2026 and 1st of January 2026 to 15th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of Bread Financial Holdings price movement. The serial correlation of -0.21 indicates that over 21.0% of current Bread Financial price fluctuation can be explain by its past prices.
| Correlation Coefficient | -0.21 | |
| Spearman Rank Test | -0.04 | |
| Residual Average | 0.0 | |
| Price Variance | 14.77 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Bread Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, Bread Financial Holdings reported net income of 518 M. This is 59.45% lower than that of the Consumer Finance sector and 62.03% lower than that of the Financials industry. The net income for all United States stocks is 9.28% higher than that of the company.
Bread Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Bread Financial's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Bread Financial could also be used in its relative valuation, which is a method of valuing Bread Financial by comparing valuation metrics of similar companies.Bread Financial is currently under evaluation in net income category among its peers.
Bread Financial ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Bread Financial's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Bread Financial's managers, analysts, and investors.Environmental | Governance | Social |
Bread Financial Institutional Holders
Institutional Holdings refers to the ownership stake in Bread Financial that is held by large financial organizations, pension funds or endowments. Institutions may hold large blocks of Bread Financial's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Bread Financial's value.| Shares | Hsbc Holdings Plc | 2025-06-30 | 978.9 K | Goldman Sachs Group Inc | 2025-06-30 | 929.9 K | Morgan Stanley - Brokerage Accounts | 2025-06-30 | 913 K | Victory Capital Management Inc. | 2025-06-30 | 822.6 K | Pzena Investment Management, Llc | 2025-06-30 | 800.1 K | Macquarie Group Ltd | 2025-06-30 | 795.1 K | Charles Schwab Investment Management Inc | 2025-06-30 | 683.8 K | Allianz Asset Management Ag | 2025-06-30 | 652.9 K | Deutsche Bank Ag | 2025-06-30 | 645.3 K | Vanguard Group Inc | 2025-06-30 | 5.2 M | Blackrock Inc | 2025-06-30 | 4.4 M |
Bread Fundamentals
| Return On Equity | 0.16 | ||||
| Return On Asset | 0.0229 | ||||
| Profit Margin | 0.20 % | ||||
| Operating Margin | 0.08 % | ||||
| Current Valuation | 3.9 B | ||||
| Shares Outstanding | 44.1 M | ||||
| Shares Owned By Insiders | 0.89 % | ||||
| Shares Owned By Institutions | 99.11 % | ||||
| Number Of Shares Shorted | 4.29 M | ||||
| Price To Earning | 3.78 X | ||||
| Price To Book | 0.96 X | ||||
| Price To Sales | 1.27 X | ||||
| Revenue | 4.7 B | ||||
| Gross Profit | 2.6 B | ||||
| EBITDA | 694 M | ||||
| Net Income | 518 M | ||||
| Cash And Equivalents | 3.6 B | ||||
| Cash Per Share | 62.41 X | ||||
| Total Debt | 4.31 B | ||||
| Debt To Equity | 3.27 % | ||||
| Current Ratio | 1.77 X | ||||
| Book Value Per Share | 75.44 X | ||||
| Cash Flow From Operations | 2.09 B | ||||
| Short Ratio | 4.32 X | ||||
| Earnings Per Share | 9.88 X | ||||
| Price To Earnings To Growth | 0.50 X | ||||
| Target Price | 83.13 | ||||
| Number Of Employees | 6 K | ||||
| Beta | 1.24 | ||||
| Market Capitalization | 3.3 B | ||||
| Total Asset | 22.66 B | ||||
| Retained Earnings | 1.48 B | ||||
| Annual Yield | 0.01 % | ||||
| Five Year Return | 1.84 % | ||||
| Net Asset | 22.66 B | ||||
| Last Dividend Paid | 0.86 |
About Bread Financial Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Bread Financial Holdings's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Bread Financial using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Bread Financial Holdings based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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Check out You can also try the Fundamental Analysis module to view fundamental data based on most recent published financial statements.
Is there potential for Consumer Finance market expansion? Will Bread introduce new products? Factors like these will boost the valuation of Bread Financial. Projected growth potential of Bread fundamentally drives upward valuation adjustments. Understanding fair value requires weighing current performance against future potential. All the valuation information about Bread Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 7.219 | Dividend Share 0.86 | Earnings Share 9.88 | Revenue Per Share | Quarterly Revenue Growth 0.185 |
Investors evaluate Bread Financial Holdings using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating Bread Financial's intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Analysts utilize numerous techniques to assess fundamental value, seeking to purchase shares when trading prices fall beneath estimated intrinsic worth. External factors like market trends, sector rotation, and investor psychology can cause Bread Financial's market price to deviate significantly from intrinsic value.
It's important to distinguish between Bread Financial's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Bread Financial should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Conversely, Bread Financial's market price signifies the transaction level at which participants voluntarily complete trades.