BFH Stock — Bread Financial Holdings, Inc.

Bread Financial Holdings, Inc. (BFH)

Updated October 16, 2026.

BFH is a Stock. its distribution rate is 0.90%, its trailing-12-month yield is 0.90%. Dividend Vision Distribution Safety Score™ is 99/100 (Safe). Total return is 970.7% over the past 25.4 years, 121.7 points ahead of SPY at 849.0%.

Bread Financial Holdings provides technology-enabled payment and lending solutions across North America, offering private label and co-brand credit card financing, installment loans, digital payment products through its Bread Pay platform, and retail deposit products like high-yield savings accounts and certificates of deposit. The company distributes quarterly at a modest current rate. The business appeals to income investors seeking exposure to consumer finance and financial services.

BFH performance versus SPY

Price and return data through 2026-10-16.

Total return is 970.7% over the past 25.4 years, 121.7 points ahead of SPY at 849.0%. Over the past year its total return — price change plus distributions reinvested — is 80.1%. Its deepest 1-year drawdown was 16.1%.

BFH key facts

Distribution Safety Score™

99 · Safe

Safety-Adjusted Yield

0.89%

Asset type

Stock

Asset class

Equity

Inception date

06/08/2001

Distribution rate

0.90%

Distribution frequency

Quarterly

Trailing yield

0.90%

5-year average yield

1.56

Last close

$102.56 (as of 2026-10-16)

Market cap

$3,940,280,126

Average volume

589348.0

Dividend

$0.23

Ex-dividend date

08/31/2026

Payment date

09/15/2026

Beta

1.178

Payout ratio

6.7%

P/E ratio

7.95

Forward P/E

7.57

EPS

$12.90

How Dividend Vision calculates yield and returns

Distribution rate (0.90%) uses calculation basis unavailable. Issuer rates can use a different denominator and date, including ex-date NAV. Trailing-12-month yield (0.90%) is the sum of split-adjusted cash distributions with ex-dates in the last 12 months, divided by the published price. It lags a recent raise or cut. Total return uses split-adjusted close with distributions reinvested on the ex-dividend date (a modeling convention, not the cash-settlement date) from the first stored bar on or after inception through the latest bar, compared with the same window on the benchmark. That is the security's total return, not your personal gain/loss.

Yield and safety methodology · Distribution rate methodology · Distribution Safety Score methodology

Sources and review

Primary sources: prices and distributions from Dividend Vision, derived from vendor EOD data.

Reviewed by Bert Sweet, CEO and Co-owner of Dividend Vision. Methodology: Distribution Safety Score.

BFH risks and drawbacks

BFH's current distribution rate is moderate, not a high-yield payout — the strategy is dividend quality more than maximum income. Payments are quarterly, so cash flow is lumpy versus a monthly fund. The deepest 1-year drawdown on record here is 16.1%.

Who may consider BFH — and who may not

BFH may suit someone looking for a high Distribution Safety Score. It is a weaker fit for investors who need monthly cash flow (BFH pays quarterly); investors hunting double-digit covered-call yields. This is educational context, not a recommendation to buy or sell.

More on BFH

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Tagged: Financials, Dividend.

Frequently asked questions