BREAD FINANCIAL HOLDINGS, INC. BFH-PA
NYSE · stock · Personal Credit Institutions
6/9
Piotroski F — financial health
—
Altman Z″ — distress risk
7.7%
Dividend payout · safe
Financials (annual, from 10-K)
| FY | Revenue | Net income | Gross profit | Free cash flow | Equity |
|---|---|---|---|---|---|
| 2025 | — | $518.0M | — | — | $3.3B |
| 2024 | — | $277.0M | — | — | $3.1B |
| 2023 | — | $718.0M | — | — | $2.9B |
| 2022 | — | $223.0M | — | — | $2.3B |
| 2021 | — | $801.0M | — | — | $2.1B |
| 2020 | $4.5B | $214.0M | — | — | $1.5B |
Recent insider activity (Form 4)
| Insider | Role | Date | Action | Shares | Price |
|---|---|---|---|---|---|
| Lakhwara Praniti | director | 2026-06-15 | Grant | 1,638 | — |
| Natarajan Rajesh | director | 2026-06-15 | Grant | 1,638 | — |
| St Clair Joyce | director | 2026-06-15 | Grant | 1,638 | — |
| Fawcett John J. | director | 2026-06-15 | Grant | 1,638 | — |
| THERIAULT TIMOTHY J | director | 2026-06-15 | Grant | 1,638 | — |
| TURNEY SHAREN J | director | 2026-06-15 | Grant | 1,638 | — |
| Gerspach John C | director | 2026-06-15 | Grant | 1,638 | — |
| Tucker Laurie Anne | director | 2026-06-15 | Grant | 1,638 | — |
Why these scores methodology →
Piotroski F-score: 6/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: n/a
Not applicable (financials/insurer or missing inputs).
Source: SEC EDGAR filings · CIK 0001101215 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.