What is the 13F Pro Quality Score for BFH?

13F Pro ranks BREAD FINANCIAL HOLDINGS, INC. (BFH) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View BFH's current score at https://13fpro.ai/research/BFH (free sign-up required for the full ranking).

Where does 13F Pro source BFH data?

All BREAD FINANCIAL HOLDINGS, INC. fundamentals and ownership data come directly from SEC EDGAR. BREAD FINANCIAL HOLDINGS, INC. files with the SEC under CIK 1101215. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is BFH in?

BREAD FINANCIAL HOLDINGS, INC. (BFH) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is BFH research updated on 13F Pro?

BFH's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

BREAD FINANCIAL HOLDINGS, INC.(BFH)Stock Analysis

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13F Pro Quality Score

Not in ranked universe

Pending next ranking run

This company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. Rankings refresh on Jan 1, Apr 1, Jul 1, Oct 1.

Financial data, filings, and institutional holdings below are still tracked in full — only the proprietary quality composite is unavailable for this name.

BFH Stock Analysis & AI Quality Score

AI stock analysis and institutional research for BREAD FINANCIAL HOLDINGS, INC. (BFH), a Financials sector company. BFH is not currently included in 13F Pro's AI-ranked quality universe — this company passes all size and coverage filters but hasn't been included in the latest quarterly ranking run. rankings refresh on jan 1, apr 1, jul 1, oct 1. Based on the latest XBRL financial filings (Q1 2026), BREAD FINANCIAL HOLDINGS, INC. reports quarterly revenue of $1.0B, net income of $181.0M, free cash flow of $487.0M. Top institutional holders of BFH by reported 13-F value include Turtle Creek Asset Management, BlackRock,, DIMENSIONAL FUND ADVISORS, 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.

Revenue

Q1 2026

$1.0B

Net Income

Q1 2026

$181.0M

Free Cash Flow

Q1 2026

$487.0M

ROIC

Q1 2026

7.3%

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

-10.5% YoY

$3.84BFY 2024

FY21 $3.27BFY22 $3.83BFY23 $4.29BFY24 $3.84B

Net Income

-61.4% YoY

$277.0MFY 2024

FY21 $801.0MFY22 $223.0MFY23 $718.0MFY24 $277.0M

Operating Income

—FY 2024

FY21 —FY22 —FY23 —FY24 —

EPS (Diluted)

-61.7% YoY

$5.49FY 2024

FY21 $16.02FY22 $4.46FY23 $14.34FY24 $5.49

Total Assets

-1.1% YoY

$22.89BFY 2024

FY21 $21.75BFY22 $25.41BFY23 $23.14BFY24 $22.89B

Total Debt

+5.0% YoY

$5.56BFY 2024

FY21 $7.44BFY22 $8.01BFY23 $5.29BFY24 $5.56B

Op. Cash Flow

-6.4% YoY

$1.86BFY 2024

FY21 $1.54BFY22 $1.85BFY23 $1.99BFY24 $1.86B

Metric	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Revenue	$3.84B -10.5%	$4.29B +12.1%	$3.83B +16.9%	$3.27B -0.8%	$3.30B -18.6%	$4.05B
Net Income	$277.0M -61.4%	$718.0M +222.0%	$223.0M -72.2%	$801.0M +274.3%	$214.0M -23.0%	$278.0M
Operating Income	—	—	—	—	$301.0M -54.5%	$662.0M
EPS (Diluted)	$5.49 -61.7%	$14.34 +221.5%	$4.46 -72.2%	$16.02 +259.2%	$4.46 -18.3%	$5.46
Total Assets	$22.89B -1.1%	$23.14B -8.9%	$25.41B +16.8%	$21.75B -3.6%	$22.55B -14.9%	$26.49B
Total Debt	$5.56B +5.0%	$5.29B -33.9%	$8.01B +7.6%	$7.44B +165.1%	$2.81B -1.6%	$2.85B
Operating Cash Flow	$1.86B -6.4%	$1.99B +7.5%	$1.85B +19.8%	$1.54B -18.1%	$1.88B +54.6%	$1.22B

AI Insight: BFH Financial Trends

BFH delivered solid revenue growth acceleration to $1,018M in Q1 2026 while operating cash flow normalized after a strong Q3 2025 peak.

• Revenue grew to $1,018M in Q1 2026, up 5% from $970M in Q1 2025.

• Total debt declined from $5,557M in Q4 2024 to $3,787M in Q3 2025 before rising to $4,308M in Q4 2025.

• Operating cash flow surged to $605M in Q3 2025, the highest in the tracked period.

• Net income rebounded to $181M in Q1 2026 after falling to $54M in Q4 2025.

⚠ Net income volatility with sharp drop to $54M in Q4 2025 before recovering to $181M in Q1 2026.

⚠ Debt levels increased $521M quarter-over-quarter from Q3 2025 to Q4 2025.

AI Insight: BFH Ratio Trends

BFH shows volatile profitability with Q1 2026 operating margin hitting 23.9% but Q4 2025 collapsing to 4.8%.

• Operating margin swung dramatically from 23.9% in Q1 2026 down to 4.8% in Q4 2025.

• ROIC recovered strongly to 29.2% in Q1 2026 from 2.5% in Q4 2025.

• D/E ratio improved from 1.82 in Q4 2024 to 1.14 in Q3 2025.

⚠ Extreme quarterly earnings volatility with operating margins ranging from -2.9% to 23.9%.

⚠ Q4 2025 profitability collapse across all metrics suggests potential seasonal or operational issues.

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Available Research

13F Pro tracks comprehensive data for BREAD FINANCIAL HOLDINGS, INC. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of BFH

Turtle Creek Asset Management Inc.
$372.6M4,975,507 sh
BlackRock, Inc.
$316.4M4,224,700 sh
DIMENSIONAL FUND ADVISORS LP
$231.1M3,086,060 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$206.4M2,756,336 sh
VANGUARD CAPITAL MANAGEMENT LLC
$140.0M1,869,385 sh
STATE STREET CORP
$132.2M1,764,783 sh
AMERICAN CENTURY COMPANIES INC
$122.2M1,631,621 sh
Allianz Asset Management GmbH
$100.8M1,346,602 sh
GEODE CAPITAL MANAGEMENT, LLC
$88.8M1,185,210 sh
FRANKLIN RESOURCES INC
$86.1M1,149,456 sh

Fund	Value	Shares
Turtle Creek Asset Management Inc.	$372.6M	4,975,507
BlackRock, Inc.	$316.4M	4,224,700
DIMENSIONAL FUND ADVISORS LP	$231.1M	3,086,060
VANGUARD PORTFOLIO MANAGEMENT LLC	$206.4M	2,756,336
VANGUARD CAPITAL MANAGEMENT LLC	$140.0M	1,869,385
STATE STREET CORP	$132.2M	1,764,783
AMERICAN CENTURY COMPANIES INC	$122.2M	1,631,621
Allianz Asset Management GmbH	$100.8M	1,346,602
GEODE CAPITAL MANAGEMENT, LLC	$88.8M	1,185,210
FRANKLIN RESOURCES INC	$86.1M	1,149,456

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Is BFH a good stock to buy?

13F Pro's AI-powered analysis of BREAD FINANCIAL HOLDINGS, INC. (BFH) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on NYSE). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for BFH are available on the BFH stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own BFH?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling BFH. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of BREAD FINANCIAL HOLDINGS, INC.'s investment landscape.