# Bread Financial Holdings, Inc. (BFH)
card-retail · near-prime · live · latest quarter 2026-06-30 · reporting basis near-prime

**Score 1** (weighted flags). Private-label and co-brand credit card issuer.

## Latest quarter, from the company's own XBRL

| Measure | Value |
|---|---|
| Book total (near-prime) | $18.06B |
| Allowance | $2.08B (11.49% of gross) |
| Provision | $313.0M |
| Net charge-offs | $231.0M (5.17% annualized) |
| Provision / NCO | 1.35 |
| Reserve, quarters of losses | 9.0 |
| 30+ / 60+ / 90+ | – / – / – |
| Nonaccrual | – |
| Yield | 27.60% |
| Equity / assets | 14.99% |
| Book growth YoY | 4.6% |

Delinquency note: Large card issuer, included as the upper bound of the consumer credit peer set. Files Item 2.04 8-Ks routinely as part of normal securitization mechanics, which is why item codes are not scored.

## Flags

- **Allowance coverage down year over year** (`coverage_falling`)

## In the news

- 2026-09-09 [How Bread Financial Holdings Inc. (BFH) Affects Rotational Strategy Timing - Stock Traders Daily](https://news.google.com/rss/articles/CBMi5wFBVV95cUxPdDFSblZPMG5nSUFheUVjSXRWT2hNclFIVmItdHZGSW1WX2ZnNU5OeEtFc2VEclc4YUZxUnV3djlhWnltb1hxZU1lY2toR1JMd1ZwMmk3cUR1aGZOQ1VNbW82MlUtNTV0Z1hGdmdFbF9qU013SUZrbm5EZUEyTUdGbUhKN01TdWVvNTBpSUtqTHlnNWtJSDBhZlU1UUo2ZG1fNk5LaFBYOHQwcVBFNTF1ZEZSOXNsOUpLa25xMGJrWk5PTklxMTVNQ1gyT1VlMUtfWmZoTmhsLXJIYUJPYTQybXZNalYzdmM?oc=5) · Stock Traders Daily
- 2026-09-08 [Bread Financial Holdings Inc. stock underperforms Tuesday when compared to competitors - MarketWatch](https://news.google.com/rss/articles/CBMi9gFBVV95cUxOa3BoZkM1TVpUMTRVelFPcXdBYXk2U2hJYXlMblA3Q1RRNWF4ZUw4cDdRTkh3a3l2bkJocmo5Ynp0MDAxS2t5aVlOSlFSNWxnbzRtZXk5bTdXeDVTQnlCMnZKQjZEZjZoTmcwd0lTRV9Dak44T2tHdWtpT2dfWjdmdm1IVTE2TGcya0gwQUprVVVGcjl5YVRmUUVGUzIzeGExbFlJRFZiNEFHT3FJUHBOUGZVRm1DR3JVZkRFdGhMdnhhb0lrd2R5TEY1bDR6eXJQd2xOSktuVmx2eDNoQ21CSXo3R1R6TjJBdlpWRWs3MTl3RW1hTXc?oc=5) · MarketWatch
- 2026-09-08 [Barclays event will feature Bread Financial’s finance chief on Sept. 15 - stocktitan.net](https://news.google.com/rss/articles/CBMiuwFBVV95cUxOaEtxMHFOWlpoWnVEVmlaQ1AydVRCYVppZk1xYzhzUFNzaFlxcE43QjZ0UldxTTJIY2J0dWRqSG8xck1fbkhwcHRYamFiekMtSHhzTWlTd3c4eHkzcnlxU3V6eUFCUExzSnhsT2FrWEpEblFvUS11dEZQWE1nWEpTQ1pFVEo0b05XX18xWVVOaTFoNXR1RnhmRW1MSVktVmxqemVfaHZRVE8zU01mM2JNbll6SVhYNVJKVm13?oc=5) · stocktitan.net
- 2026-09-08 [Bread Financial Amends $700 Million Revolving Credit Facility to Permit Bank Merger - TradingView](https://news.google.com/rss/articles/CBMi3AFBVV95cUxNaVFUSDB1Q1JIU0Y5RkRmd1FEM1RwMWJ5bnJLaE1hd0R3WFFSUmM3RmcxRkFXeXVFVmg5QWVndF9PeWlXM2prZHRoMi1RWFV0MFVtWmRlVm04X1ZPYTkxbEJBUXBLVUpEcUt3YmVtU3JtNTgwbkZNRklzZWVWT0Q3QzdPaEJDWHctWXNYZ01BNDBXMkszNjNRdFBhTTIzQk5oNVQ3ejZOaVpwaFp4cTFpQ0VheC1kRmlVU1R6VnNXZWcyUkgwRXVpT1FNamZjQklFZEJOQzNTdGswSW5i?oc=5) · TradingView
- 2026-09-08 [Bread Financial Holdings, Inc. Amends Credit Agreement With JPMorgan Chase Bank, N.A - marketscreener.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxPbWRxR0VPcXlTVFpCMjdOc0hQMVd3QjZKcVNlbk5CS3ZMYk05YkNSNU5QN2VjRVZKbjdLS1FJVWpFbjE2cm51cmdYdDhlamNoVGg5Z055Ni1YYWkwVThzZjFBeE9tLTdRRHBhY2hwN0ZOdkFxaS1UMDg5R3o0TGVPVGNjOU03X0tfZlBKT2dWVjhYaFIzbXNPQ3d4LTNteGdBQ0lndnRfOWpnTlV6LXVhOFNtWEN6LUZDWFhDc2VlLUNMSmJWbkxINUcyYUZMMVk?oc=5) · marketscreener.com
- 2026-07-12 [Bread Financial Holdings, Inc. (BFH) Is A Top Stock In Miller Value Partners’ Filings - Yahoo Finance](https://news.google.com/rss/articles/CBMingFBVV95cUxOcHpoNkhBZkRQTmU3YzBfbDB1UG1tTUV2bHdEMm5Rc1J0YVo5RThieS0xRlhaRXE1TU9sSjNOTFl1bVJRR0RUejlWV1dYcl9WZ085dDU2OXVyZnR0MEhidlpEVmFQZjVVZnlPT2pWZVpFaEVSczdmSk5ySFhRV1VicG5DN21qa3M3U2puT3ExNlRCNWEyWk1sUmdYeFF1Zw?oc=5) · Yahoo Finance
- 2026-09-02 [Is Bread Financial Holdings Inc (BFH) Overvalued After 4.3% Rall - gurufocus.com](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQRXRVUERwNjViLTE3Zmx0ZXgtZnh0anAxalpqOTJBUUxXU1VPUGhxdkxPcEZ6UkFwaFQ5QUZKalJfZmgzekdlaXZ3T183dUZta0hxd3QxcWFnNnpxRnpMYXU3WktoRFluWjJnbnpiT3VLTDZUb29udGN6U2dMQVJNU2x3RDZJUmdZV3dsbEdFM3pSU2xpNkUzNzc1c1RJX1pydlQyYWVLcGlkd1l2a1NZN2tWUU5FbDdDMC11VDdJNENIdlk?oc=5) · gurufocus.com
- 2026-09-03 [BFH Stock Trading at a Discount to Industry at 7.96X: Time to Buy? - Eastern Progress](https://news.google.com/rss/articles/CBMi3wFBVV95cUxQV0E5WnBVOUNzY0hfbnRFTnNrZHJyZmtrN3dJVlhaZXI1dlhrR0hobFFwSGlVWnh3Q0xFdEF4OFE2TDktQkFJXzUtSVJXRTVEZXRQQVhYV3kxZnNrY0VkSndDaURkZEpGLWh5SWtpS1R0eDFDTksyWGFldG51NTdYbTRDSXo0alJCblFPUlQ1QnZUY0pQdkdqblZQaWZ2MmxJMElneDBqY2tqV1Z1RzRXWmJDaHhXclM0MTJiYjRQa0RkcjFpUUxWZVVZc08tb2ZyR1pDQkstVDRXeWwzamkw?oc=5) · Eastern Progress

## How to verify

- Page: https://getbookiq.com/intel/#co=BFH
- Data: https://getbookiq.com/intel/data/pubco.json (companies[].hist, columns q, receivables_gross, receivables_net, receivables_fv, book_total, allowance, provision, writeoffs, recoveries, nco, revenue, interest_income, nonaccrual, assets, equity, debt, alw_ratio, nco_rate, yield, prov_nco, nonacc_ratio, equity_ratio, leverage, reserve_qtrs, growth_yoy, alw_chg_yoy, nco_chg_yoy, nonacc_chg_yoy, yield_chg_yoy, eq_chg_yoy, dq30, dq60, dq90, dq_total, dq30_r, dq60_r, dq90_r, dq_total_r, dq90_chg_yoy, dqtot_chg_yoy, score)
- Definitions: https://getbookiq.com/dictionary/#auto-prov_nco
- Source: SEC XBRL company facts. Blank means the filer does not tag that concept, never zero. Peer comparison is within a business model or tier only.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide