Financials · NYSE · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
BREAD FINANCIAL HOLDINGS, INC. (BFH) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores BFH at 52.5/100 on a 32-signal composite quality model, placing it at rank #1,453 of 2,962 stocks — the top half of the AI-ranked universe. BFH scores in the top quartile across free cash flow (96.4), earnings quality (90.9), profitability (78.3). Areas of concern include institutional flow (6.6) and revenue growth (26.2), which score below median versus the broader universe. Shareholder dilution risk is elevated at 47.1/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), BREAD FINANCIAL HOLDINGS, INC. reports quarterly revenue of $993.0M, net income of $146.0M, an operating margin of 19.8%. Top institutional holders of BFH by reported 13-F value include BlackRock, DIMENSIONAL FUND ADVISORS, VANGUARD PORTFOLIO MANAGEMENT, based on the most recent SEC filings. BFH trades on the NYSE exchange and files with the SEC under CIK 1101215. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate BFH daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for BREAD FINANCIAL HOLDINGS, INC. directly from SEC EDGAR.
AI Quality Score
52.5/100
AI Rank
#1,453
Revenue
$993.0M
Net Income
$146.0M
Operating Margin
19.8%
| Period | Form | Revenue | Net income | Operating margin |
|---|---|---|---|---|
| FY 2025 | 10-K | $3.8B | $518.0M | 16.0% |
| FY 2024 | 10-K | $3.8B | $277.0M | 9.9% |
| FY 2023 | 10-K | $4.3B | $718.0M | 22.6% |
| FY 2022 | 10-K | $3.8B | $223.0M | 7.8% |
| FY 2021 | 10-K | $3.3B | $801.0M | 31.9% |
| FY 2020 | 10-K | $3.3B | $214.0M | 9.1% |
| Institution | Shares | Value | Reported |
|---|---|---|---|
| BlackRock | 3,888,457 | $421.3M | 2026-06-30 |
| DIMENSIONAL FUND ADVISORS | 3,092,208 | $335.0M | 2026-06-30 |
| VANGUARD PORTFOLIO MANAGEMENT | 2,621,816 | $284.1M | 2026-06-30 |
| AMERICAN CENTURY COMPANIES | 1,791,190 | $194.1M | 2026-06-30 |
| VANGUARD CAPITAL MANAGEMENT | 1,757,637 | $190.4M | 2026-06-30 |
| STATE STREET | 1,681,704 | $182.2M | 2026-06-30 |
| Allianz Asset Management GmbH | 1,391,954 | $145.0M | 2026-06-30 |
| Turtle Creek Asset Management | 1,310,339 | $142.0M | 2026-06-30 |
| GEODE CAPITAL MANAGEMENT | 1,132,140 | $122.7M | 2026-06-30 |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | 1,045,197 | $113.2M | 2026-06-30 |
13F Pro Quality Score
Rank #1,453 of 2,962 stocksTOP 50%
Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.
Revenue Growth
Profitability
Balance Sheet
Earnings Quality
Free Cash Flow
Institutional Flow
Revenue Scale
Dilution Risk