Customize Consent Preferences

We use cookies to help you navigate efficiently and perform certain functions. You will find detailed information about all cookies under each consent category below.

The cookies that are categorized as "Necessary" are stored on your browser as they are essential for enabling the basic functionalities of the site. ... 

Always Active

Necessary cookies are required to enable the basic features of this site, such as providing secure log-in or adjusting your consent preferences. These cookies do not store any personally identifiable data.

Functional cookies help perform certain functionalities like sharing the content of the website on social media platforms, collecting feedback, and other third-party features.

Analytical cookies are used to understand how visitors interact with the website. These cookies help provide information on metrics such as the number of visitors, bounce rate, traffic source, etc.

Performance cookies are used to understand and analyze the key performance indexes of the website which helps in delivering a better user experience for the visitors.

No cookies to display.

Advertisement cookies are used to provide visitors with customized advertisements based on the pages you visited previously and to analyze the effectiveness of the ad campaigns.

    Get Diamond plan for FREE

    logo

    Bread Financial Holdings, Inc. (BFH)

    Price:

    62.36 USD

    ( + 2.79 USD)

    Your position:

    0 USD

    ACTION PANEL
    CREATE A NOTE
    ABOUT
    Symbol
    BFH
    Name
    Bread Financial Holdings, Inc.
    Industry
    Financial - Credit Services
    Sector
    Financial Services
    Price
    62.360
    Market Cap
    2.909B
    Enterprise value
    5.035B
    Currency
    USD
    Ceo
    Ralph J. Andretta
    Full Time Employees
    6000
    Ipo Date
    2001-06-15
    City
    Columbus
    Address
    3095 Loyalty Circle

    Check the

    KEY TAKEAWAYS

    ASK OUR AI ABOUT THE COMPANY (REGISTER FOR EARLY ACCESS)
    Descriptive alt text

    (REGISTER FOR EARLY ACCESS) CHOOSE A PROMPT ABOVE TO ASK OUR AI ABOUT THE SPECIFIC INFORMATION

    SIMILAR COMPANIES STI SCORE

    Similar STI Score

    ORIX Corporation

    VALUE SCORE:

    7

    Symbol
    IX
    Market Cap
    871.861B
    Industry
    Financial - Credit Services
    Sector
    Financial Services

    2nd position

    Synchrony Financial

    VALUE SCORE:

    11

    Symbol
    SYF
    Market Cap
    27.235B
    Industry
    Financial - Credit Services
    Sector
    Financial Services

    The best

    Synchrony Financial

    VALUE SCORE:

    12

    Symbol
    SYF-PB
    Market Cap
    9.646B
    Industry
    Financial - Credit Services
    Sector
    Financial Services
    FUNDAMENTALS
    P/E
    10.183
    P/S
    0.616
    P/B
    0.949
    Debt/Equity
    1.669
    EV/FCF
    2.095
    Price to operating cash flow
    -1.000
    Price to free cash flow
    -1.000
    EV/sales
    0.809
    Earnings yield
    0.098
    Debt/assets
    0.229
    FUNDAMENTALS
    Net debt/ebidta
    2.024
    Interest coverage
    0.552
    Research And Developement To Revenue
    0
    Intangile to total assets
    0.033
    Capex to operating cash flow
    0.009
    Capex to revenue
    0.004
    Capex to depreciation
    0.193
    Return on tangible assets
    0.013
    Debt to market cap
    1.761
    Piotroski Score
    5.000
    FUNDAMENTALS
    PEG
    1.925
    P/CF
    1.613
    P/FCF
    1.596
    RoA %
    1.278
    RoIC %
    -3.630
    Gross Profit Margin %
    38.051
    Quick Ratio
    0.322
    Current Ratio
    0.322
    Net Profit Margin %
    6.059
    Net-Net
    -323.383
    FUNDAMENTALS PER SHARE
    FCF per share
    39.015
    Revenue per share
    101.071
    Net income per share
    6.124
    Operating cash flow per share
    38.651
    Free cash flow per share
    39.015
    Cash per share
    90.193
    Book value per share
    65.696
    Tangible book value per share
    49.893
    Shareholders equity per share
    65.696
    Interest debt per share
    124.561
    TECHNICAL
    52 weeks high
    66.710
    52 weeks low
    38.210
    Current trading session High
    62.940
    Current trading session Low
    59.460
    DIVIDEND
    Dividend yield
    1.35%
    Payout ratio
    15.4%
    Years of div. Increase
    0
    Years of div.
    10.000
    Q-shift
    3.000
    Dividend per share
    0.840
    SIMILAR COMPANIES
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Banks - Regional
    Dividend yield
    0.03858156%
    Payout Ratio
    63.97625%
    P/E
    24.504
    logo

    Country
    US
    Sector
    Consumer Cyclical
    Industry
    Packaging & Containers
    Dividend yield
    0.014889261%
    Payout Ratio
    41.546762%
    P/E
    26.682
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Financial - Credit Services
    Dividend yield
    0.010804821%
    Payout Ratio
    23.271756%
    P/E
    22.251
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Asset Management
    Dividend yield
    0.024285447%
    Payout Ratio
    28.102103%
    P/E
    11.149
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Financial - Credit Services
    Dividend yield
    0%
    Payout Ratio
    0%
    P/E
    -30.954
    logo

    Country
    JP
    Sector
    Financial Services
    Industry
    Financial - Credit Services
    Dividend yield
    0.03125403%
    Payout Ratio
    0%
    P/E
    11.666
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Financial - Credit Services
    Dividend yield
    0.04719764%
    Payout Ratio
    197.05882%
    P/E
    39.882
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Financial - Capital Markets
    Dividend yield
    0.01664388%
    Payout Ratio
    51.3532%
    P/E
    26.642
    logo

    Country
    US
    Sector
    Financial Services
    Industry
    Financial - Credit Services
    Dividend yield
    0.015027323%
    Payout Ratio
    14.543785000000002%
    P/E
    8.432
    logo

    Country
    US
    Sector
    Communication Services
    Industry
    Publishing
    Dividend yield
    0.03420925%
    Payout Ratio
    113.1486%
    P/E
    26.337
    DESCRIPTION

    Bread Financial Holdings, Inc. provides tech-forward payment and lending solutions to customers and consumer-based industries in North America. It offers credit card and other loans financing services, including risk management solutions, account origination, and funding services for approximately 130 private label and co-brand credit card programs, as well as through Bread partnerships to approximately 500 small-and medium-sized businesses merchants; and Comenity-branded general purpose cash-back credit. The company also manages and services the loans it originates for private label, co-brand, and general-purpose credit card programs and Bread BNPL (installment loans, split-pay) products; and provides marketing, and data and analytics services. In addition, it offers an enhanced digital suite that includes a unified software development kit, which provides access to its suite of products, as well as promotes credit payment options earlier in the shopping experience. Further, the company through Bread, a digital payments platform and robust suite of application programming interfaces allows merchants and partners to integrate online point-of-sale financing and other digital payment products, including installment and split-pay solutions. The company was formerly known as Alliance Data Systems Corporation and changed its name to Bread Financial Holdings, Inc. in March 2022. Bread Financial Holdings, Inc. was founded in 1996 and is headquartered in Columbus, Ohio.

    NEWS
    https://images.financialmodelingprep.com/news/bread-financial-announces-expiration-and-results-of-its-previously-20250822.jpg
    Bread Financial Announces Expiration and Results of Its Previously Announced Cash Tender Offers

    globenewswire.com

    2025-08-22 07:30:00

    COLUMBUS, Ohio, Aug. 22, 2025 (GLOBE NEWSWIRE) -- Bread Financial Holdings, Inc. (NYSE: BFH) (“Bread Financial” or the “Company”) announced that its previously announced cash tender offers (the “Tender Offers”) described in the Offer to Purchase, dated July 24, 2025 (as amended, the “Offer to Purchase”) expired at 5:00 p.m., New York City time, on August 21, 2025 (the “Expiration Date”). The following table sets forth the total aggregate principal amount of the Company's 9.750% Senior Notes due 2029 (the “2029 Notes”) and the Company's 8.375% Fixed-Rate Reset Subordinated Notes due 2035 (the “2035 Notes” and, together with the 2029 Notes, the “Notes”) validly tendered (and not validly withdrawn) pursuant to the Tender Offers.

    https://images.financialmodelingprep.com/news/bread-financial-provides-performance-update-for-july-2025-20250815.jpg
    Bread Financial Provides Performance Update for July 2025

    globenewswire.com

    2025-08-15 07:30:00

    COLUMBUS, Ohio, Aug. 15, 2025 (GLOBE NEWSWIRE) -- Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions to millions of U.S. consumers, provided a performance update. The following tables present the Company's net loss rate and delinquency rate for the periods indicated:

    https://images.financialmodelingprep.com/news/bread-financial-announces-early-tender-results-of-its-previously-20250807.jpg
    Bread Financial Announces Early Tender Results of its Previously Announced Cash Tender Offers and Extends Total Consideration Through the Expiration Date

    globenewswire.com

    2025-08-07 07:30:00

    COLUMBUS, Ohio, Aug. 07, 2025 (GLOBE NEWSWIRE) -- Bread Financial Holdings, Inc. (NYSE: BFH) (“Bread Financial” or the “Company”) announced that as of 5:00 p.m., New York City time, on August 6, 2025 (the “Early Participation Date”), pursuant to and in accordance with its previously announced cash tender offers (the “Tender Offers”) described in the Offer to Purchase, dated July 24, 2025 (as it may be amended or supplemented, the “Offer to Purchase”), $28,402,000 in aggregate principal amount of the Company's 9.750% Senior Notes due 2029 (the “2029 Notes”) and $121,000 in aggregate principal amount of the Company's 8.375% Fixed-Rate Reset Subordinated Notes due 2035 (the “2035 Notes” and, together with the 2029 Notes, the “Notes”) had been validly tendered (and not validly withdrawn) on or prior to the Early Participation Date and such Notes are expected to be accepted for purchase for Total Consideration (as defined below) (excluding accrued interest payable) of $1,070 for each $1,000 principal amount of the 2029 Notes and $1,025 for each $1,000 principal amount of the 2035 Notes. Subject to satisfaction or waiver of the conditions set forth in the Offer to Purchase, the Company anticipates that settlement of such Notes will occur on August 11, 2025 (the “Early Payment Date”).

    https://images.financialmodelingprep.com/news/bread-financial-q2-earnings-beat-revenues-miss-credit-sales-20250725.jpg
    Bread Financial Q2 Earnings Beat, Revenues Miss, Credit Sales Rise

    zacks.com

    2025-07-25 13:26:05

    BFH tops Q2 EPS estimates by nearly 70% as credit sales rise, even as revenues dip on lower finance charges and late fees.

    https://images.financialmodelingprep.com/news/bread-financial-holdings-inc-bfh-q2-2025-earnings-call-20250725.jpg
    Bread Financial Holdings, Inc. (BFH) Q2 2025 Earnings Call Transcript

    seekingalpha.com

    2025-07-25 13:01:59

    Bread Financial Holdings, Inc. (NYSE:BFH ) Q2 2025 Earnings Conference Call July 25, 2025 8:30 AM ET Company Participants Brian Vereb - Head of Investor Relations Perry S. Beberman - Executive VP & CFO Ralph J.

    https://images.financialmodelingprep.com/news/bread-financial-holdings-bfh-tops-q2-earnings-estimates-20250724.jpg
    Bread Financial Holdings (BFH) Tops Q2 Earnings Estimates

    zacks.com

    2025-07-24 09:01:11

    Bread Financial Holdings (BFH) came out with quarterly earnings of $3.14 per share, beating the Zacks Consensus Estimate of $1.85 per share. This compares to earnings of $2.66 per share a year ago.

    https://images.financialmodelingprep.com/news/bread-financial-provides-performance-update-for-june-2025-20250724.jpg
    Bread Financial Provides Performance Update for June 2025

    globenewswire.com

    2025-07-24 06:55:00

    COLUMBUS, Ohio, July 24, 2025 (GLOBE NEWSWIRE) -- Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions to millions of U.S. consumers, provided a performance update. The following tables present the Company's net loss rate and delinquency rate for the periods indicated:

    https://images.financialmodelingprep.com/news/bread-financial-reports-second-quarter-2025-results-20250724.jpg
    Bread Financial Reports Second Quarter 2025 Results

    globenewswire.com

    2025-07-24 06:50:00

    COLUMBUS, Ohio, July 24, 2025 (GLOBE NEWSWIRE) -- Bread Financial ® Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, flexible payment, lending and saving solutions, today announced its second quarter 2025 financial results. All earnings-related materials are now available at the company's investor relations website, here.

    https://images.financialmodelingprep.com/news/bread-financial-announces-modified-dutch-auction-cash-tender-offers-20250724.jpg
    Bread Financial Announces Modified Dutch Auction Cash Tender Offers for 9.750% Senior Notes Due 2029 and/or 8.375% Fixed-Rate Subordinated Notes due 2035

    globenewswire.com

    2025-07-24 06:45:00

    COLUMBUS, Ohio, July 24, 2025 (GLOBE NEWSWIRE) -- Bread Financial Holdings, Inc. (NYSE: BFH) (“Bread Financial” or the “Company”) today announced it has commenced cash tender offers (the “Tender Offers” and each, a “Tender Offer”) to purchase up to $150.0 million (subject to increase, the “Aggregate Tender Cap”) aggregate principal amount of its 9.750% Senior Notes maturing March 2029 (the “2029 Notes”) and/or its 8.375% Fixed-Rate Reset Subordinated Notes due 2035, maturing June 2035 (the “2035 Notes” and, together with the 2029 Notes, the “Notes”) subject to (i) the aggregate principal amount of all 2029 Notes accepted for purchase not exceeding $100.0 million (the “2029 Notes Sublimit”) and (ii) the aggregate principal amount of all 2035 Notes accepted for purchase not exceeding $50.0 million (the “2035 Notes Sublimit” and, together with the 2029 Notes Sublimit, the “Sublimits” and each, respectively, a “Sublimit”). The Tender Offers are being made on the terms and subject to the conditions set forth in the Offer to Purchase, dated July 24, 2025 (as it may be amended or supplemented, the “Offer to Purchase”).

    https://images.financialmodelingprep.com/news/bread-financial-declares-dividend-on-common-stock-20250724.jpg
    Bread Financial Declares Dividend on Common Stock

    globenewswire.com

    2025-07-24 06:40:00

    COLUMBUS, Ohio, July 24, 2025 (GLOBE NEWSWIRE) -- Bread Financial ® Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, flexible payment, lending and saving solutions, today announced that its Board of Directors declared a quarterly cash dividend of $0.21 per share on the Company's common stock, payable on September 12, 2025 to stockholders of record at the close of business on August 8, 2025.

    https://images.financialmodelingprep.com/news/bread-financial-holdings-bfh-expected-to-beat-earnings-estimates-20250717.jpg
    Bread Financial Holdings (BFH) Expected to Beat Earnings Estimates: Should You Buy?

    zacks.com

    2025-07-17 11:01:16

    Bread Financial (BFH) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

    https://images.financialmodelingprep.com/news/caesars-entertainment-and-bread-financial-introduce-new-caesars-rewards-20250716.jpg
    Caesars Entertainment and Bread Financial Introduce New Caesars Rewards® Prestige Visa, a Premium-Level Credit Card Allowing Caesars Rewards Members to Earn Tier Status Faster and Unlock Luxury Rewards with Every Purchase

    globenewswire.com

    2025-07-16 07:30:00

    LAS VEGAS, July 16, 2025 (GLOBE NEWSWIRE) -- Caesars Entertainment (NASDAQ: CZR), the largest casino entertainment company in the U.S., is playing a bold new hand by launching a second, elevated, Caesars Rewards® Visa Signature credit card with Bread Financial (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions. For a $149 annual fee*, the Caesars Rewards Prestige Visa Signature credit card includes up to $450 in annual value and gives members all the benefits of high-end experiences as well as waived fees for foreign transactions*.

    https://images.financialmodelingprep.com/news/why-bread-financial-bfh-is-poised-to-beat-earnings-20250709.jpg
    Why Bread Financial (BFH) is Poised to Beat Earnings Estimates Again

    zacks.com

    2025-07-09 13:11:05

    Bread Financial (BFH) has an impressive earnings surprise history and currently possesses the right combination of the two key ingredients for a likely beat in its next quarterly report.

    https://images.financialmodelingprep.com/news/bread-financial-schedules-second-quarter-2025-earnings-conference-call-20250708.jpg
    Bread Financial Schedules Second Quarter 2025 Earnings Conference Call for July 24

    globenewswire.com

    2025-07-08 07:30:00

    COLUMBUS, Ohio, July 08, 2025 (GLOBE NEWSWIRE) -- Bread Financial ® Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions, will host a conference call on Thursday, July 24, 2025, at 8:30 a.m. ET to discuss the company's second quarter 2025 results.

    https://images.financialmodelingprep.com/news/how-retail-credit-cards-could-bankrupt-consumers-with-record-high-20250619.jpg
    How retail credit cards could bankrupt consumers with record high interest rates

    cnbc.com

    2025-06-19 09:11:36

    Retail credit card debt is accounting for a greater proportion of overall debt in consumer bankruptcies.

    https://images.financialmodelingprep.com/news/bread-financial-provides-performance-update-for-may-2025-20250611.jpg
    Bread Financial Provides Performance Update for May 2025

    globenewswire.com

    2025-06-11 07:00:00

    COLUMBUS, Ohio, June 11, 2025 (GLOBE NEWSWIRE) -- Bread Financial ® Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions to millions of U.S. consumers, provided a performance update. The following tables present the Company's net loss rate and delinquency rate for the periods indicated: