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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 private label and co-brand credit card programs, as well as through Bread partnerships; 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 installment loans and 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. It offers its products under the Bread CashbackTM, Bread PayTM, and Bread SavingsTM brands. 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 incorporated in 1995 and is headquartered in Columbus, Ohio. more
Time Frame | BFH | Sector | S&P500 |
---|---|---|---|
1-Week Return | -3.85% | -3.51% | -3% |
1-Month Return | 9.76% | -3.51% | -0.73% |
3-Month Return | 19.61% | 4.69% | 2.87% |
6-Month Return | 42.54% | 15.21% | 7.17% |
1-Year Return | 92.93% | 29.54% | 25.31% |
3-Year Return | -3.64% | 26.93% | 28.38% |
5-Year Return | -11.37% | 55.8% | 81.89% |
10-Year Return | -65.92% | 191.72% | 183.27% |
Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | 5YR TREND | |
---|---|---|---|---|---|---|
Total Revenue | 5.58B | 4.52B | 3.27B | 3.83B | 3.06B | [{"date":"2019-12-31","value":100,"profit":true},{"date":"2020-12-31","value":81.01,"profit":true},{"date":"2021-12-31","value":58.62,"profit":true},{"date":"2022-12-31","value":68.55,"profit":true},{"date":"2023-12-31","value":54.83,"profit":true}] |
Cost of Revenue | 3.41B | 2.68B | 1.59B | 359.00M | - | [{"date":"2019-12-31","value":100,"profit":true},{"date":"2020-12-31","value":78.56,"profit":true},{"date":"2021-12-31","value":46.75,"profit":true},{"date":"2022-12-31","value":10.54,"profit":true},{"date":"2023-12-31","value":"-","profit":true}] |
Gross Profit | 2.17B | 1.84B | 1.68B | 3.87B | 3.06B | [{"date":"2019-12-31","value":56.17,"profit":true},{"date":"2020-12-31","value":47.66,"profit":true},{"date":"2021-12-31","value":43.39,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":79.07,"profit":true}] |
Gross Margin | 38.95% | 40.79% | 51.31% | 101.15% | 100.00% | [{"date":"2019-12-31","value":38.51,"profit":true},{"date":"2020-12-31","value":40.33,"profit":true},{"date":"2021-12-31","value":50.73,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":98.86,"profit":true}] |
Operating Expenses | 1.36B | 1.45B | 1.02B | 180.00M | 1.47B | [{"date":"2019-12-31","value":92.95,"profit":true},{"date":"2020-12-31","value":98.84,"profit":true},{"date":"2021-12-31","value":69.39,"profit":true},{"date":"2022-12-31","value":12.27,"profit":true},{"date":"2023-12-31","value":100,"profit":true}] |
Operating Income | 882.20M | 394.50M | 1.04B | 802.00M | 1.59B | [{"date":"2019-12-31","value":55.38,"profit":true},{"date":"2020-12-31","value":24.76,"profit":true},{"date":"2021-12-31","value":65.54,"profit":true},{"date":"2022-12-31","value":50.35,"profit":true},{"date":"2023-12-31","value":100,"profit":true}] |
Total Non-Operating Income/Expense | (273.80M) | (695.90M) | 2.97B | 3.68B | 3.64B | [{"date":"2019-12-31","value":-7.44,"profit":false},{"date":"2020-12-31","value":-18.92,"profit":false},{"date":"2021-12-31","value":80.62,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":98.97,"profit":true}] |
Pre-Tax Income | 738.40M | 394.50M | 1.04B | 300.00M | 968.00M | [{"date":"2019-12-31","value":70.73,"profit":true},{"date":"2020-12-31","value":37.79,"profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":28.74,"profit":true},{"date":"2023-12-31","value":92.72,"profit":true}] |
Income Taxes | 165.80M | 99.50M | 247.00M | 76.00M | 231.00M | [{"date":"2019-12-31","value":67.13,"profit":true},{"date":"2020-12-31","value":40.28,"profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":30.77,"profit":true},{"date":"2023-12-31","value":93.52,"profit":true}] |
Income After Taxes | 572.60M | 295.00M | 797.00M | 224.00M | 737.00M | [{"date":"2019-12-31","value":71.84,"profit":true},{"date":"2020-12-31","value":37.01,"profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":28.11,"profit":true},{"date":"2023-12-31","value":92.47,"profit":true}] |
Income From Continuous Operations | 572.60M | 295.00M | 797.00M | 224.00M | 737.00M | [{"date":"2019-12-31","value":71.84,"profit":true},{"date":"2020-12-31","value":37.01,"profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":28.11,"profit":true},{"date":"2023-12-31","value":92.47,"profit":true}] |
Income From Discontinued Operations | (228.00M) | 6.00M | 4.00M | (1.00M) | - | [{"date":"2019-12-31","value":-3800,"profit":false},{"date":"2020-12-31","value":100,"profit":true},{"date":"2021-12-31","value":66.67,"profit":true},{"date":"2022-12-31","value":-16.67,"profit":false},{"date":"2023-12-31","value":"-","profit":true}] |
Net Income | 572.60M | 295.00M | 801.00M | 223.00M | 718.00M | [{"date":"2019-12-31","value":71.49,"profit":true},{"date":"2020-12-31","value":36.83,"profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":27.84,"profit":true},{"date":"2023-12-31","value":89.64,"profit":true}] |
EPS (Diluted) | 16.72 | 9.37 | 17.95 | 4.47 | 14.71 | [{"date":"2019-12-31","value":93.15,"profit":true},{"date":"2020-12-31","value":52.2,"profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":24.9,"profit":true},{"date":"2023-12-31","value":81.95,"profit":true}] |
These ratios help you determine the liquidity of the company. Higher is better.
BFH | |
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Cash Ratio | 4.53 |
Current Ratio | 4.53 |
These ratios help you understand the company's efficiency in using its assets to generate returns. Higher is better. For ROE, average long term is around 14%, less than 10% is poor.
BFH | |
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ROA (LTM) | 1.46% |
ROE (LTM) | 10.58% |
These ratios help you understand the company's liabilities, gauging the riskiness of the investment.
BFH | |
---|---|
Debt Ratio Lower is generally better. Negative is bad. | 0.86 |
Common Equity/Total Assets Higher is better. Lower can suggest investment is riskier. | 0.14 |
These ratios help you understand the company's valuation. Lower may indicate cheaper stocks.
BFH | |
---|---|
Trailing PE | 9.90 |
Forward PE | 9.17 |
P/S (TTM) | 1.26 |
P/B | 1.00 |
Price/FCF | 7 |
EV/R | 1.96 |
EV/Ebitda | 6.08 |
PEG | 0.26 |
Bread Financial Holdings Inc (BFH) share price today is $62.76
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Yes, you can purchase fractional shares of Bread Financial Holdings Inc (BFH) via the Vested app. You can start investing in Bread Financial Holdings Inc (BFH) with a minimum investment of $1.
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The 52-week high price of Bread Financial Holdings Inc (BFH) is $66.71. The 52-week low price of Bread Financial Holdings Inc (BFH) is $27.47.
The price-to-earnings (P/E) ratio of Bread Financial Holdings Inc (BFH) is 9.6877
The price-to-book (P/B) ratio of Bread Financial Holdings Inc (BFH) is 1.00
The dividend yield of Bread Financial Holdings Inc (BFH) is 1.34%
The market capitalization of Bread Financial Holdings Inc (BFH) is $3.05B
The stock symbol (or ticker) of Bread Financial Holdings Inc is BFH