Compliance updated on Jun 19, 2026 Screened by AAOIFI-Certified Shariah Advisor & Auditor

Financial data updated nightly

Bread Financial Holdings Inc

BFH ✗ NOT COMPLIANT ☆ Track — members

NYSE · Financials · Consumer Lending ·

USA Mid Cap Analyst: BUY

Last Close

$113.40

▲ +1.59%

Market Cap $4.36B · Vol 95.01K

Key Metrics

P/E Ratio

8.87

FWD: 8.72

Market Cap

$4.36B

Mid Cap

Div Yield

0.82%

Quarterly dividend

EPS Growth

+12.07%

YoY

RSI (14)

65.83

Momentum

Beta

1.11

vs Market

52W High

$113.79

0.34% below

52W Low

$53.90

110.39% above

Volume

95.01K

Avg 198.33K

P/B

0.98

Price-to-book

ROE

16.24%

Return on equity

Free Float

98.38%

Public shares

Shariah Compliance8 STANDARDS

✗ Bread Financial Holdings Inc (BFH) stock is currently not Shariah compliant

AAOIFI—
Dow Jones Islamic (DJIM)—
FTSE Shariah—
MSCI Islamic—
S&P Shariah—
Al Rajhi—
Alinma—
Albilad—

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Which standards does BFH pass?

The full report shows the verdict under each of the 8 major Shariah standards, with the business-activity and financial-ratio screens behind every one.

Do I need to purify my investment?

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Historical Returns

+4.69%

+15.14%

+30.60%

+56.69%

YTD

+53.18%

+84.54%

+196.70%

+54.46%

Financials & Valuation

TTM · Annual

Total Revenue	$4.50B
Net Income	$521.00M
Revenue Growth (YoY)	+2.15%
Gross Margin	79.55%
Operating Margin	16.50%
Net Profit Margin	12.47%
ROE	16.24%
ROA · ROIC	2.70% · 6.38%

P/E Ratio	8.87
Forward P/E (FY1)	8.72
PEG Ratio	0.07
P/S	0.84
P/B	0.98
P/FCF	1.70
EPS Growth	+12.07%
Outstanding Shares	38.42M

Technical Indicators

50-Day SMA	$103.28
200-Day SMA	$82.53
RSI (14)	65.83
Beta	1.11
52-Week High	$113.79
52-Week Low	$53.90

Volume Today	95.01K
Avg Daily Volume (30D)	198.33K
Relative Volume	0.48x
Volatility (10D)	23.29
Volatility (30D)	34.06
Free Float	98.38%

Analyst Consensus

BUY

Current Price $113.40

Mean Target $115.71

52W Low$53.90 52W High$113.79

Current

Target

$53.90 $113.79

Current Analyst target

+2.04% upside potential · 18 analysts

Identifiers

ExchangeNYSE

FIGIBBG001S78Z50

ISINUS0185811082

CountryUnited States of America

Sub-IndustryConsumer Lending (NEC)

Earnings DateOct 21, 2026

TypeStocks

Instrument TypeORD Ordinary Share

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Company Profile

Bread Financial Holdings, Inc. is a tech-forward financial services company which is engaged in providing simple, personalized payment, lending, and saving solutions. The Company's product offerings consist of co-brand and private label credit card programs with retailers and other brand partners; direct-to-consumer (DTC); proprietary general purpose credit cards; Bread Pay products; and Bread Savings products. Its payment solutions, including Bread Financial general purpose credit cards and savings products. Its private label credit cards are partner-branded credit cards used by consumers for the purchase of goods and services from that partner. Bread Pay is its payment technology solution for pay-over-time products. The Company's products are supported by various services and capabilities, including risk management, underwriting, and funding services; credit card and other loan processing and servicing; fraud prevention; marketing, and data and analytics; and others.