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BFH Bread Financial Holdings, Inc. — dividend yield, history & ex-dividend dates

NYSE· Quarterly dividend· Common Stock · Financial Services / Financial - Credit Services

$102.45 ▼ $-0.11(-0.11%) as of Oct 20, 2026 06:20 UTC
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Bread Financial Holdings, Inc. offers cutting-edge payment and credit solutions to consumers and various industries throughout North America. Their services include comprehensive financing for credit cards and other loans, which involves managing risk, originating accounts, and providing funding for approximately 130 private label and co-branded credit card programs. They also support around 500 small and medium-sized businesses through their Bread partnerships and issue Comenity-branded general purpose cash-back credit cards. The company is responsible for administering and overseeing all loans it generates, covering private label, co-brand, and general-purpose credit card portfolios, as well as its Bread BNPL (Buy Now Pay Later) products, which include installment and split-pay options. Beyond lending, they provide marketing, data, and analytics services. Their enhanced digital toolkit features a unified Software Development Kit (SDK), allowing seamless integration with their product range and encouraging the presentation of credit payment choices earlier in the retail journey. Additionally, the Bread digital payments platform, powered by a comprehensive suite of application programming interfaces (APIs), empowers merchants and partners to readily incorporate online point-of-sale financing, such as installment and split-pay solutions. Established in Columbus, Ohio in 1996, the company was formerly known as Alliance Data Systems Corporation until it rebranded as Bread Financial Holdings, Inc. in March 2022.

Dividend Snapshot

StatusGrowing
Last Dividend$0.2300Paid Sep 15, 2026
Forward Annual$0.92From the $0.2300 dividend declared Jul 23, 2026
FrequencyQuarterly
Last Ex-DateAug 31, 2026The most recent ex-dividend date that has already passed.
1-Yr Growth2.4%Annual totals, 2024–2025

Research Scores

Scores describe this security's published financial data on a 0–100 scale using the formulas on our methodology pages. They are the same for every reader, are not a probability or a forecast, and are not a recommendation. Past dividend growth does not guarantee future increases. Report a data error.

Dividend Safety Score

73/100

Strong indicators

Most data available

Dividend Growth Score

51/100

Moderate growth record

Complete data

Dividend Value Score

34/100

Above own historical valuation

Most data available

DividendRank

55/100

Middle of the scale

Most data available

How the Dividend Safety Score is built for BFH
InputValuePointsWeight
Earnings payout ratioEarnings payout ratio 8% (TTM to Jun 30, 2026) 100 20%
FCF payout ratioN/A (not used) N/A 25%
Net debt / EBITDANet cash (TTM to Jun 30, 2026) 100 15%
Interest coverageInterest coverage 0.9x (TTM to Jun 30, 2026) 0 10%
Dividend record9 years of uninterrupted regular payments; last cut May 13, 2020 (-66.7%), within 10 years: capped at 50 50 20%
Earnings stabilityNet income positive in 5 of the last 5 fiscal years (FY2021–FY2025) 100 10%

Inputs that are not available are left out and the remaining weights are scaled up. Profile: ordinary company. Formula version 2026-10-19.4.

How the Dividend Growth Score is built for BFH
InputValuePointsWeight
5-year dividend growth5-year dividend CAGR -7.4% (2020–2025) 0 25%
Consecutive annual increases1 consecutive annual increase (through 2025) 25 20%
Payout headroomHeadroom from the earnings payout ratio 8% (TTM to Jun 30, 2026) 100 20%
Earnings per share growth (3 years)EPS CAGR 34.9% (FY2022–FY2025) 100 15%
Revenue growth (3 years)Revenue CAGR 2.4% (FY2022–FY2025) 61 10%
10-year dividend growthN/A (not used) N/A 10%

Inputs that are not available are left out and the remaining weights are scaled up. Profile: ordinary company. Formula version 2026-10-19.4.

How the Dividend Value Score is built for BFH
InputValuePointsWeight
Yield vs own historyCurrent yield at the 13th percentile of its 108 month-end yields 13 40%
P/E vs own 5-year medianP/E 7.9 is 1.17x its 5-year median of 6.8 28 25%
FCF yieldN/A (not used) N/A 20%
P/E vs peersP/E 7.9 vs peer median 19.4 (0.41x; 65 corporation / Financial Services securities) 100 15%

Inputs that are not available are left out and the remaining weights are scaled up. Profile: ordinary company. Formula version 2026-10-19.4.

Key Metrics

Current Yield

0.90%

At the Oct 20, 2026 price

The annual dividend as a percentage of the share price. A 3% yield is about $3 of dividends a year for every $100 invested at today's price.

Annualized Dividend

$0.9200

Declared Jul 23, 2026

The latest declared regular dividend scaled to a full year by how often it's paid (for semi-annual payers, the latest two payments), adjusted for stock splits. A $0.25 quarterly dividend annualizes to $1.00. Special dividends are excluded.

Frequency

Q Quarterly

How often the dividend is paid, read from the dates of recent payments: Q = quarterly (4x a year), M = monthly, S = semi-annual, A = annual.

RSI (14)

51

As of Oct 19, 2026

Relative Strength Index (0-100), a price-momentum gauge. Above 70 is often called 'overbought', below 30 'oversold'. A technical signal, not a dividend metric.

52-Week Range

$57.61 – $113.40

Closes through Oct 19, 2026

The lowest and highest price over the past year, showing where today's price sits in its recent range.

Payout Ratio (TTM)

7.92%

12 months to Jun 30, 2026 (Q2 FY2026)

The share of earnings paid out as dividends over the trailing twelve months (TTM): dividends paid divided by net income across the company's four most recent reported quarters, dated by the latest quarter end. A fiscal-year tag such as FY2025 means only annual figures were available. Lower leaves more cushion; above 100% means paying out more than the company earned. It shows n/a for funds and when net income over the period was negative; for REITs and BDCs it is marked EPS-based, since they are judged on FFO/AFFO or net investment income instead.

Years Paying

9

How many years of payments we have on record. This can understate very long histories where our data doesn't reach far enough back.

Price / Book (TTM)

1.22

Price as of Oct 18, 2026; latest reported book value

Price-to-book ratio: the share price on the date shown divided by the latest reported book value per share. A rough valuation gauge, most useful for asset-heavy sectors like REITs, banks and insurers.

S.A.F.E. Dividend Read

S.A.F.E. is a set of four checks on a dividend's record and the company's data, the same test used across the screener and our ranked lists. Solid: a Dividend Safety Score of 70+ and a yield of 2%+. Accelerating: at least three consecutive completed calendar years of higher total regular dividends. Flawless: since 1990, no calendar year whose total regular dividend fell more than 20% below the year before, and no suspension. Enduring: at least 20 years between the first and latest dividend in our records. All four met earns the S.A.F.E. flag.
S Solid
Below the Solid check (Dividend Safety Score 70+ and yield 2%+): Dividend Safety Score 73/100, yield 0.90%.
A Accelerating
Dividend growth has stalled — 1 consecutive annual increase(s), under the 3 this check looks for.
F Flawless
A calendar year's regular dividend total fell more than 20% below the year before.
E Enduring
9 year(s) of payments on record, under the 20 this check looks for.

Quote & Key Data

ExchangeNYSEThe stock exchange where the shares trade, such as NYSE or Nasdaq.
Volume498,891Oct 19, 2026 sessionHow many shares changed hands in the trading session dated beside this figure, a rough read on trading activity. Daily bars are refreshed on a slower cycle than the quoted price, so this session can be older than the price above.
Open$102.20Oct 19, 2026 sessionThe price at the start of the trading session dated beside this figure, which can be earlier than the session the quoted price comes from.
Day Range$101.11 – $103.73Oct 19, 2026 sessionThe lowest and highest price during the trading session dated beside this figure, which can be earlier than the session the quoted price comes from.
Prev Close$102.56Close of Oct 16, 2026The closing price from the session before the one dated beside these figures.
Market Cap$3.94BAs of Oct 20, 2026The company's total market value (share price times shares outstanding) on the date shown.
Shares Out38.42MImplied by market cap, Oct 20, 2026Shares outstanding implied by the market cap and share price on the date shown.
EPS (TTM)$14.2412 months to Jun 30, 2026 (Q2 FY2026)Earnings per share over the trailing twelve months (TTM), labeled with the end date of the latest reported quarter and shown in the company's reporting currency. Dividends are paid out of these earnings.
P/E (TTM)7.9Price as of Oct 18, 2026; earnings to Jun 30, 2026Price-to-earnings ratio: the share price on the date shown divided by trailing-twelve-month earnings per share. A rough gauge of how richly the stock is valued.
Last Ex-DateAug 31, 2026Paid Sep 15, 2026The most recent ex-dividend date that has already passed.
Next Ex-DateN/ANone declared yetThe ex-dividend date of the next payment the company has declared, or that is scheduled when no declaration is on file. Future dates our data provider only projects are not shown.

Dividend Growth

3-Yr Growth (CAGR)0.8%Annual totals, 2022–2025The dividend's average annual growth rate over the period, compounded.
5-Yr Growth (CAGR)-7.4%Annual totals, 2020–2025The dividend's average annual growth rate over the period, compounded.
Consecutive Increases1 yrAnnual totals through 2025The number of consecutive years the dividend has increased.

Why the Yield Moved (90 Days)

BFH's dividend yield fell from 0.90% to 0.90% over the past ~90 days (-0.01 pp). Of that move, +0.00 pp came from changes in the dividend rate and -0.01 pp from the share price ($101.87 on Jul 22, 2026 → $102.45 on Oct 20, 2026). A yield that rises because the price fell is not an improvement in the payout itself.

Yield vs Its Own History

Current0.90%
1-Yr Average1.11%
Low / High0.81% – 1.55%
Percentile19%

Across 276 daily observations over the past 13 months (through Oct 19, 2026), BFH's current yield is higher than approximately 19% of them. Our stored price history for BFH covers the past 13 months; 3- and 5-year averages are not yet computable from it and are deliberately not shown.

Adjusted Price History

Dividend History

Dividend Payment History

Ex-dividend calendar →
Amount Type Declared Ex-Date Record Pay
$0.2300 Q Regular Jul 23, 2026 Aug 31, 2026 Aug 31, 2026 Sep 15, 2026
$0.2300 Q Regular Apr 23, 2026 May 29, 2026 May 29, 2026 Jun 15, 2026
$0.2300 Q Regular Jan 29, 2026 Feb 27, 2026 Feb 27, 2026 Mar 16, 2026
$0.2300 Q Regular Oct 23, 2025 Nov 07, 2025 Nov 07, 2025 Dec 12, 2025
$0.2100 Q Regular Jul 24, 2025 Aug 08, 2025 Aug 08, 2025 Sep 12, 2025
$0.2100 Q Regular Apr 24, 2025 May 09, 2025 May 09, 2025 Jun 13, 2025
$0.2100 Q Regular Jan 30, 2025 Feb 14, 2025 Feb 14, 2025 Mar 21, 2025
$0.2100 Q Regular Oct 24, 2024 Nov 08, 2024 Nov 08, 2024 Dec 13, 2024
$0.2100 Q Regular Jul 25, 2024 Aug 09, 2024 Aug 09, 2024 Sep 13, 2024
$0.2100 Q Regular Apr 25, 2024 May 09, 2024 May 10, 2024 Jun 14, 2024
$0.2100 Q Regular Jan 25, 2024 Feb 08, 2024 Feb 09, 2024 Mar 15, 2024
$0.2100 Q Regular Oct 26, 2023 Nov 10, 2023 Nov 13, 2023 Dec 15, 2023
$0.2100 Q Regular Jul 27, 2023 Aug 10, 2023 Aug 11, 2023 Sep 15, 2023
$0.2100 Q Regular Apr 27, 2023 May 11, 2023 May 12, 2023 Jun 16, 2023
$0.2100 Q Regular Jan 26, 2023 Feb 09, 2023 Feb 10, 2023 Mar 17, 2023
$0.2100 Q Regular Oct 27, 2022 Nov 10, 2022 Nov 14, 2022 Dec 16, 2022
$0.2100 Q Regular Jul 28, 2022 Aug 11, 2022 Aug 12, 2022 Sep 16, 2022
$0.2100 Q Regular Apr 28, 2022 May 12, 2022 May 13, 2022 Jun 17, 2022
$0.2100 Q Regular Jan 27, 2022 Feb 10, 2022 Feb 11, 2022 Mar 18, 2022
$0.2100 Q Regular Oct 28, 2021 Nov 10, 2021 Nov 12, 2021 Dec 17, 2021
$0.2100 Q Regular Jul 29, 2021 Aug 12, 2021 Aug 13, 2021 Sep 17, 2021
$0.2100 Q Regular Apr 29, 2021 May 13, 2021 May 14, 2021 Jun 18, 2021
$0.2100 Q Regular Jan 28, 2021 Feb 11, 2021 Feb 12, 2021 Mar 18, 2021
$0.2100 Q Regular Oct 29, 2020 Nov 12, 2020 Nov 13, 2020 Dec 18, 2020
$0.2100 Q Regular Jul 23, 2020 Aug 13, 2020 Aug 14, 2020 Sep 18, 2020
$0.2100 Q Regular Apr 23, 2020 May 13, 2020 May 14, 2020 Jun 18, 2020
$0.6300 Q Regular Jan 30, 2020 Feb 13, 2020 Feb 14, 2020 Mar 19, 2020
$0.6300 Q Regular Oct 24, 2019 Nov 13, 2019 Nov 14, 2019 Dec 17, 2019
$0.6300 Q Regular Jul 18, 2019 Sep 03, 2019 Sep 04, 2019 Sep 26, 2019
$0.6300 Q Regular Apr 25, 2019 May 13, 2019 May 14, 2019 Jun 18, 2019
$0.6300 Q Regular Feb 07, 2019 Feb 20, 2019 Feb 21, 2019 Mar 19, 2019
$0.5700 Q Regular Oct 18, 2018 Nov 13, 2018 Nov 14, 2018 Dec 19, 2018
$0.5700 Q Regular Jul 19, 2018 Aug 13, 2018 Aug 14, 2018 Sep 19, 2018
$0.5700 Q Regular Apr 19, 2018 May 11, 2018 May 14, 2018 Jun 19, 2018
$0.5700 Q Regular Jan 25, 2018 Feb 13, 2018 Feb 14, 2018 Mar 20, 2018
$0.5200 Q Regular Oct 19, 2017 Nov 13, 2017 Nov 14, 2017 Dec 19, 2017
$0.5200 Q Regular Jul 20, 2017 Aug 10, 2017 Aug 14, 2017 Sep 19, 2017
$0.5200 Q Regular Apr 20, 2017 May 11, 2017 May 15, 2017 Jun 19, 2017
$0.5200 Q Regular N/A Feb 13, 2017 Feb 15, 2017 Mar 17, 2017
$0.5200 Q Regular Oct 20, 2016 Nov 01, 2016 Nov 03, 2016 Dec 16, 2016

Peer Comparison

Selected Financial - Credit Services dividend payers we cover, strongest DividendRank first — for context, not a recommendation.

TickerNameYield5-Yr GrowthStreakRank
MA Mastercard Incorporated 0.56% 13.7% 14 yrs 83
GPN Global Payments Inc. 1.20% 5.1% 0 yrs 81
GCSSF Gecoss Corporation 4.57% 3.9% 2 yrs 76
ORXCF ORIX Corporation 2.88% 7.5% 2 yrs 73

Recent BFH Dividend News

Related Guides & Lists

BFH dividend — frequently asked questions

Does Bread Financial Holdings, Inc. pay a dividend?

Yes. Bread Financial Holdings, Inc. (BFH) currently pays a dividend. The annualized dividend is about $0.92 per share, a yield of approximately 0.90%.

What is Bread Financial Holdings, Inc.'s dividend yield?

Bread Financial Holdings, Inc.'s dividend yield is approximately 0.90%, based on the most recent regular payment annualized against the current share price. Yields move as the share price changes.

How often does Bread Financial Holdings, Inc. pay dividends?

Bread Financial Holdings, Inc. pays dividends quarterly — 4 times per year.

How long has Bread Financial Holdings, Inc. paid dividends?

Bread Financial Holdings, Inc. has 9 years of dividend payments on record.

Data updated Oct 19, 2026. This research page is generated from Dividendly's structured market and dividend dataset using the approach described on our methodology and data sources pages. Data is automatically validated using defined rules and may also be periodically reviewed. Research only, not investment advice. Spotted a data error? Report it.

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