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SPZCOBREAD FINANCIAL HOLDINGS, INC. · BFHData at close 2026-07-29

Financials · Personal Credit Institutions · NYSE · CIK 1101215 · FYE Dec 31 · Prices AT CLOSE 2026-07-29 (USD) — end-of-day, never a live or intraday quote

Last $106.99Day −0.73%Mkt cap $4.1BP/E (FY) 9.8×1Y +72.6%Off 52W high −2.9%Vol (1Y) 41.3%

Price2023-07-31 → 2026-07-29

BFH close: $42 on 2023-07-31 to $107 on 2026-07-29.

Daily closing price, split-adjusted to the current basis; 3y shown of 1,076 bars on file. Sampled to 240 points — every point is a real close, none averaged. Price return, not total return (dividends excluded). Source marketstack.

At a glance

Fair value (model)$101.55

Implied upside−5.1%

Valuation confidenceLOW

Short interest7.5% of sh out

Days to cover4.4d

13F net flow (QoQ)−10.76%

Top-10 13F concentration49.5%

Next report (est.)2026-10-22

Fair value, confidence and the reverse-DCF grade are the MATERIALIZED daily snapshot (the same columns the screener serves), not a live model run. Short interest is FINRA semi-monthly, settlement 2026-07-15. 13F figures are quarterly filings, period 2026-Q1 — a lower bound on true ownership.

Key fundamentalsFY 2025

P/E (FY)9.8×

Sales (TTM)$3.96B

Earnings (TTM)$568.0M

ROE16.2%

Trailing returns

YTD+45.3%

1Y+72.6%

3Y+171.3%

Since incept. (ann.)+18.9%

Total return through 2026-07-29 · series begins 2022-04-05. Only the windows this history actually covers are shown.

Risk

Ann. volatility (1Y)41.3%

Ann. volatility (3Y)43.7%

Sharpe (1Y)1.51

Sharpe (3Y)1.00

Max drawdown (1Y)−19.3%

Max drawdown (3Y)−36.7%

Beta (3Y vs SPY)1.17

Daily simple returns, annualized; drawdown is peak-to-trough within the window. Beta is the OLS slope of monthly returns on SPY's over three years. Each figure is labeled by the window it was measured over — they are not comparable across windows.

Top institutional holders13F 2026-Q1

Manager	Shares	Value	% sh out	QoQ
BlackRock, Inc.	4.2M	$316M	—	−6.4%
DIMENSIONAL FUND ADVISORS LP	3.1M	$231M	—	+0.3%
VANGUARD PORTFOLIO MANAGEMENT LLC	2.8M	$206M	—	new
TURTLE CREEK ASSET MANAGEMENT INC.	2.4M	$182M	—	−4.7%
VANGUARD CAPITAL MANAGEMENT LLC	1.9M	$140M	—	new
STATE STREET CORP	1.8M	$132M	—	−2.9%
AMERICAN CENTURY COMPANIES INC	1.6M	$122M	—	+6.6%
Allianz Asset Management GmbH	1.3M	$101M	—	+17.4%

Reported 13F long positions as filed for 2026-Q1 (change vs 2025-Q4). 13F covers US-listed long equity only — the sum is a LOWER BOUND on institutional ownership, never a total. % of shares outstanding suppressed: the summed institutional 13F holdings (43,330,907) exceed the latest reported shares-outstanding count (38,419,268) by more than securities-lending double counting can explain (FINRA short interest 3,422,329 shares at 2026-04-30), so the share count is stale or wrong (common for annual 20-F foreign private issuers after a share issuance) and a percentage would be fabricated. Holder share counts are shown as filed.

Latest reported quarterslast report 2026-07-23

Period end	Reported	EPS	EPS YoY	Revenue	Rev YoY
2026-06-30	2026-07-23	$3.55	+20.7%	$993.0M	+6.9%
2026-03-31	2026-04-23	$4.15	+49.3%	$1.02B	+4.9%
2025-12-31	2026-01-29	—	—	$975.0M	+5.4%
2025-09-30	2025-10-23	$3.96	+7820.0%	$971.0M	−1.2%

EPS and revenue as reported in this filer's own XBRL — our extraction of the filings, not a vendor consensus feed, and never a beat/miss claim (we carry no estimates). YoY compares the same fiscal quarter a year earlier. Next report 2026-10-22 is ESTIMATED from filing cadence (median gap 91d) — not company-confirmed.

Basis & disclosures

End-of-day only. Every price on this sheet is a stored CLOSE — the last one is 2026-07-29. Nothing here is live, intraday or delayed-real-time, and the sheet does not update after it is printed.
Nothing is imputed. A figure that is not in the underlying filing or feed renders as “—”. We never fill a gap with an estimate, a peer median or a carried-forward value.
Mixed as-of dates by design. Prices are at the last close; fundamentals are at the latest reported fiscal period; 13F ownership is at the latest filed quarter (45+ days in arrears); short interest is the latest FINRA settlement. Each block states its own basis above.
Not investment advice. Model fair values, reverse-DCF grades and confidence labels are the output of published, disclosed methods on public filings — they are analysis, not a recommendation, a price target or a solicitation.
Fundamentals and ownership derive from SEC EDGAR (and equivalent foreign registers); prices from a licensed end-of-day vendor, shown under a neutral source label. Full methodology at spzco.com/methodology.