SmarterDividends
BFH

Bread Financial Holdings, Inc.

BFH

Financial Services · Credit Services · Stock · quarterly payer

$102.56

Undervalued · +229% Add to Portfolio

Forward Yield

0.90%

Annual Dividend

$0.92

Payout Ratio

7%

5-Yr Growth

5.1%

Ex-Date

Aug 31, 2026

Frequency

Quarterly

Key facts about BFH's dividend

Data as of · Source: SmarterDividends data

  • As of Oct 18, 2026, Bread Financial Holdings, Inc. (BFH) has a forward dividend yield of 0.90%, based on an annual dividend of $0.92 per share and a share price of $102.56.
  • As of Oct 18, 2026, BFH's dividend safety grade from SmarterDividends is B (68 out of 100), which rates the dividend as safe.
  • BFH last cut its regular dividend in 2020.
  • BFH's most recent ex-dividend date was Aug 31, 2026, for a dividend of $0.23 per share.
  • As of Oct 18, 2026, BFH pays out 7% of its trailing 12-month earnings as dividends (its payout ratio).
  • BFH's dividend has grown at an average rate of 5.1% a year over the past five years.
  • As of Oct 18, 2026, BFH's 0.90% yield is 47% below its five-year average yield of 1.69%.
  • As of Oct 18, 2026, SmarterDividends' blended fair-value estimate for BFH is $337.01 per share, 229% above the $102.56 share price, so BFH screens as undervalued.
  • Bread Financial Holdings, Inc. (BFH) pays its dividend quarterly, 4 times a year.
  • Bread Financial Holdings, Inc. (BFH) has raised its regular dividend 4 times and cut it 1 time across the 40 payments on record since 2016. Its most recent change was a 9.5% increase to $0.230 per share, going ex-dividend on Nov 7, 2025. The last cut went ex-dividend on May 13, 2020.
Cite this page

SmarterDividends, "BFH Dividend: Yield, Safety Grade & Next Ex-Date," updated Oct 18, 2026, https://smarterdividends.com/stocks/BFH

Summary

As of Oct 18, 2026, Bread Financial Holdings, Inc. (BFH) yields 0.90% ($0.92 a year per share) and has a dividend safety grade of B (68/100).

Is BFH a good dividend stock?

Yes, with caveats

Bread Financial Holdings, Inc. (BFH) pays a quarterly dividend yielding 0.90% ($0.92/yr), with 1 year of growth and a dividend-safety grade of B. It's a solid income payer, but check the caveats below before buying.

Advantages

  • Comfortable payout ratio (7%)
  • Strong 5.1% 5-yr dividend growth
  • 50% total price return over 5 years

Risks

  • Cut its dividend in 2020

Key Data

Dividend Yield
0.90%
Payout Ratio
7%
Annual Dividend
$0.92
5-Yr Avg Growth
5.1%
Ex-Dividend Date
Aug 31, 2026
Years of Growth
1
Frequency
quarterly
Beta
1.18
Market Cap
$3.9B
P/E Ratio
8.0
5-Yr Total Return
50%
52-Week Range
$59.16 – $114.53
Dividend Safety
B · 68/100
Ever Cut?
Yes (2020)

BFH dividend raises and cuts

Bread Financial Holdings, Inc. (BFH) has raised its regular dividend 4 times and cut it 1 time across the 40 payments on record since 2016. Its most recent change was a 9.5% increase to $0.230 per share, going ex-dividend on Nov 7, 2025. The last cut went ex-dividend on May 13, 2020.

Ex-dateChangeOld → newMove
Nov 7, 2025Raise$0.210 → $0.230+9.5%
Nov 10, 2021Raise$0.168 → $0.210+25.3%
May 13, 2020Cut$0.503 → $0.168−66.7%
Feb 20, 2019Raise$0.455 → $0.503+10.5%
Feb 13, 2018Raise$0.415 → $0.455+9.6%
Every BFH payment →Download every raise and cut (CSV)
BFH ex-dividend date & scheduleNext ex-date Aug 31, 2026 · full ex-dividend historyView →BFH dividend historyEvery payment, totals by year, raises and cutsView →

Frequently Asked Questions

Is BFH a good dividend stock?

Yes, with caveats. Bread Financial Holdings, Inc. (BFH) pays a quarterly dividend yielding 0.90% ($0.92/yr), with 1 year of growth and a dividend-safety grade of B. It's a solid income payer, but check the caveats below before buying.

Is BFH undervalued?

Based on a blend of discounted cash flow, a dividend-discount model and an earnings-multiple estimate, BFH's fair value is about $337.01 versus a $102.56 share price — so it looks undervalued (+229% vs. fair value).

Is BFH's dividend safe?

BFH has a dividend-safety grade of B (68/100), based on its payout coverage, free-cash-flow, 1-year growth streak, a dividend cut in 2020, debt and yield-versus-history.

What is BFH's fair value?

Our blended fair-value estimate for BFH is about $337.01 per share, roughly 229% above the current $102.56 price — combining a discounted cash flow, a dividend-discount model and an earnings multiple.

Is BFH a buy, hold, or sell?

We don't issue formal ratings, but on the data BFH screens as "yes, with caveats" and undervalued. Bread Financial Holdings, Inc. (BFH) pays a quarterly dividend yielding 0.90% ($0.92/yr), with 1 year of growth and a dividend-safety grade of B. It's a solid income payer, but check the caveats below before buying. This is research for your own analysis, not investment advice.

Will BFH cut its dividend?

BFH earns a dividend-safety grade of B (68/100), and has cut its dividend before (last in 2020). A higher score means lower cut risk based on payout coverage, cash flow and history — but no score guarantees a dividend.

Does BFH pay a dividend?

Yes. Bread Financial Holdings, Inc. pays a quarterly dividend of about $0.92 per share annually, a forward yield of roughly 0.90%.

What is BFH's dividend yield?

As of Oct 18, 2026, BFH's forward dividend yield is 0.90%, based on a $0.92 annual dividend and a $102.56 share price.

What is BFH's dividend per share?

As of Oct 18, 2026, BFH pays $0.92 per share per year, distributed on a quarterly basis.

What is BFH's dividend payout ratio?

As of Oct 18, 2026, BFH's payout ratio is 7% of trailing 12-month earnings — a comfortable level that leaves room to keep raising the dividend.

How many years has BFH grown its dividend?

As of Oct 18, 2026, BFH has increased its dividend for 1 consecutive years.

When is the next BFH ex-dividend date?

As of Oct 18, 2026, BFH's next ex-dividend date hasn't been announced. The most recent was Aug 31, 2026, for $0.23 per share.

Income Calculator

At $0.92 / yr per share

Per payment (quarterly)$23.00
Annual$92.00
Monthly avg$7.67

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