BREAD FINANCIAL HOLDINGS, INC.
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SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | $577.2M |
| Operating income | — | — | — | — | — | $301.0M |
| Net income | $518.0M | $277.0M | $718.0M | $223.0M | $801.0M | $214.0M |
| Total assets | $22.66B | $22.89B | $23.14B | $25.41B | $21.75B | $22.55B |
| Total liabilities | $19.34B | $19.84B | $20.22B | $23.14B | $19.66B | $21.02B |
| Equity | $3.33B | $3.05B | $2.92B | $2.27B | $2.09B | $1.52B |
| EPS (diluted) | $10.89 | $5.49 | $14.34 | $4.46 | $16.02 | $4.46 |
| Shares out. | 49.1M | 49.4M | 50.1M | 49.9M | 49.7M | 47.6M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- —
- Return on equity
- 15.6%
- Return on assets
- 2.3%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 85.3%
- Debt / equity
- 5.81×
- Book value / share
- $67.77
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 87.0%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −6.9%clean
- Piotroski F-Score
- 6/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 warning● 3 good- High leverage (liabilities > 70% of assets)
- Strong return on equity (>15%)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- Vanguard Portfolio Management LlcPassive (13G)Apr 29, 2026
- Vanguard Capital Management LlcPassive (13G)Apr 29, 2026
- Dimensional Fund Advisors LpPassive (13G)Apr 9, 2026
- Vanguard Group IncPassive (13G)Mar 26, 2026
- Turtle Creek Asset Management Inc.Passive (13G)Feb 17, 2026
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 3.3M | 6.6 | -2.5% |
| Apr 30, 2026 | 3.4M | 4.3 | -1.3% |
| Apr 15, 2026 | 3.5M | 5.5 | -6.6% |
| Mar 31, 2026 | 3.7M | 5.5 | -1.6% |
| Mar 13, 2026 | 3.8M | 6.4 | -5.0% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Shareholder voteMay 22, 2026
- Regulation FD disclosureMay 15, 2026
- Modified shareholder rights · Amended charter or bylaws · Other material eventMay 12, 2026
- Other material eventMay 6, 2026
- Other material eventMay 5, 2026
- Regulation FD disclosureApr 23, 2026
- Results of operations · Regulation FD disclosure · Other material eventApr 23, 2026
- Regulation FD disclosureMar 11, 2026
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗Corporate family
Spin-offs from BREAD FINANCIAL HOLDINGS, INC. (1)
- Loyalty Ventures Inc.completedNov 5, 2021details
From the spin-off filings we track. Follow a company to walk its own history.