BREAD FINANCIAL HOLDINGS, INC.(BFH)Stock Analysis
AI analysis on 2,800+ stocks →Deep AI analysis on 2,800+ stocks →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
BFH Stock Analysis & AI Quality Score
Data updated 2026-09-11AI stock analysis and institutional research for BREAD FINANCIAL HOLDINGS, INC. (BFH), 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. BREAD FINANCIAL HOLDINGS, INC.'s 13F Pro composite quality score has ranged between 36 and 63 since 2022, currently 52.5 — a declining long-term trajectory across 11 quarterly and live scoring snapshots.
Revenue
Q2 2026
$993.0M
Net Income
Q2 2026
$146.0M
Operating Margin
Q2 2026
19.8%
ROIC
Q2 2026
23.4%
Revenue & Net Income
Earnings Per Share
Key Financials Over Time
Export Financial Table · ProRevenue
+0.2% YoYNet Income
+87.0% YoYOperating Income
EPS (Diluted)
+98.4% YoYTotal Assets
-1.0% YoYTotal Debt
-22.5% YoYOp. Cash Flow
+12.5% YoYFree Cash Flow
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 |
|---|---|---|---|---|---|---|
| Revenue | $3.85B +0.2% | $3.84B -10.5% | $4.29B +12.1% | $3.83B +16.9% | $3.27B -0.8% | $3.30B |
| Net Income | $518.0M +87.0% | $277.0M -61.4% | $718.0M +222.0% | $223.0M -72.2% | $801.0M +274.3% | $214.0M |
| Operating Income | — | — | — | — | — | $301.0M |
| EPS (Diluted) | $10.89 +98.4% | $5.49 -61.7% | $14.34 +221.5% | $4.46 -72.2% | $16.02 +259.2% | $4.46 |
| Total Assets | $22.66B -1.0% | $22.89B -1.1% | $23.14B -8.9% | $25.41B +16.8% | $21.75B -3.6% | $22.55B |
| Total Debt | $4.31B -22.5% | $5.56B +5.0% | $5.29B -33.9% | $8.01B +7.6% | $7.44B +165.1% | $2.81B |
| Operating Cash Flow | $2.09B +12.5% | $1.86B -6.4% | $1.99B +7.5% | $1.85B +19.8% | $1.54B -18.1% | $1.88B |
| Free Cash Flow | — | — | — | $1.78B +22.0% | $1.46B -20.2% | $1.83B |
Get alerted when BFH's score changes
Free account: watchlist tracking, the daily AI brief, and the AI screener.
Available Research
13F Pro tracks comprehensive data for BREAD FINANCIAL HOLDINGS, INC. including:
Top Institutional Holders of BFH
BlackRock, Inc.
$421.3M3,888,457 shDIMENSIONAL FUND ADVISORS LP
$335.0M3,092,208 shVANGUARD PORTFOLIO MANAGEMENT LLC
$284.1M2,621,816 shAMERICAN CENTURY COMPANIES INC
$194.1M1,791,190 shVANGUARD CAPITAL MANAGEMENT LLC
$190.4M1,757,637 shSTATE STREET CORP
$182.2M1,681,704 shAllianz Asset Management GmbH
$145.0M1,391,954 shTurtle Creek Asset Management Inc.
$142.0M1,310,339 shGEODE CAPITAL MANAGEMENT, LLC
$122.7M1,132,140 shARROWSTREET CAPITAL, LIMITED PARTNERSHIP
$113.2M1,045,197 sh
| Fund | Value | Shares |
|---|---|---|
| BlackRock, Inc. | $421.3M | 3,888,457 |
| DIMENSIONAL FUND ADVISORS LP | $335.0M | 3,092,208 |
| VANGUARD PORTFOLIO MANAGEMENT LLC | $284.1M | 2,621,816 |
| AMERICAN CENTURY COMPANIES INC | $194.1M | 1,791,190 |
| VANGUARD CAPITAL MANAGEMENT LLC | $190.4M | 1,757,637 |
| STATE STREET CORP | $182.2M | 1,681,704 |
| Allianz Asset Management GmbH | $145.0M | 1,391,954 |
| Turtle Creek Asset Management Inc. | $142.0M | 1,310,339 |
| GEODE CAPITAL MANAGEMENT, LLC | $122.7M | 1,132,140 |
| ARROWSTREET CAPITAL, LIMITED PARTNERSHIP | $113.2M | 1,045,197 |
Companies Similar to BFH
Ranked by quality-profile closeness and shared hedge-fund ownership — not just sector membership.
FIRST BANCORP /PR/
MERCURY GENERAL CORP
SiriusPoint Ltd
Regional Management Corp.
Enova International, Inc.
VALLEY NATIONAL BANCORP
FIRST HAWAIIAN, INC.
UNIVERSAL INSURANCE HOLDINGS, INC.
Similarity is computed from the 8 composite sub-scores and latest-quarter 13F conviction holdings (index-style filers excluded). Refreshed monthly.
More Financials Companies
View all Financials →Put BFH on your watchlist
Track score changes the day BREAD FINANCIAL HOLDINGS, INC. files with the SEC, follow the hedge funds that own it, screen 2,800+ AI-scored stocks, and get the daily brief — free.
Free tier includes 13F data, economic indicators, and market overview. Pro starts at $6.67/mo (billed annually).
Popular Research
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. BFH is classified as a mid company.
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.