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XNYSBFH
Market cap2.84bUSD
Jan 10, Last price  
57.19USD
1D
-3.53%
1Q
12.56%
Jan 2017
-74.97%
Name

Bread Financial Holdings Inc

Chart & Performance

D1W1MN
XNYS:BFH chart
P/E
3.96
P/S
0.93
EPS
14.44
Div Yield, %
1.48%
Shrs. gr., 5y
-1.92%
Rev. gr., 5y
-11.59%
Revenues
3.06b
-20.93%
1,257,438,0001,552,437,0002,005,337,0002,301,880,0002,040,868,0001,964,300,0002,791,400,0003,173,300,0003,641,400,0004,319,100,0005,302,900,0006,439,700,0007,138,100,0007,719,400,0005,666,600,0005,581,300,0004,521,400,0003,272,000,0003,870,000,0003,060,000,000
Net income
718m
+221.97%
102,371,000138,745,000189,605,000164,061,000217,393,000143,700,000193,700,000315,300,000422,200,000496,200,000506,300,000594,300,000515,800,000788,700,000963,100,000572,600,000295,000,000801,000,000223,000,000718,000,000
CFO
1.99b
+7.52%
353,067,000109,081,000468,780,000571,521,000451,019,000358,414,000902,700,0001,011,400,0001,134,200,000992,500,0001,344,200,0001,627,000,0002,088,400,0002,609,600,0002,754,900,0001,217,700,0001,882,700,0001,543,000,0001,848,000,0001,987,000,000
Dividend
Aug 09, 20240.21 USD/sh
Earnings
Jan 23, 2025

Profile

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.
URL
https://www.breadfinancial.com/
IPO date
Jun 08, 2001
Employees
7,500
Domiciled in
US
Incorporated in
US

Valuation

Title
USD in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFY
2023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑12
Income
Revenues
3,060,000
-20.93%
3,870,000
18.28%
Cost of revenue
1,028,000
959,000
Unusual Expense (Income)
NOPBT
2,032,000
2,911,000
NOPBT Margin
66.41%
75.22%
Operating Taxes
231,000
76,000
Tax Rate
11.37%
2.61%
NOPAT
1,801,000
2,835,000
Net income
718,000
221.97%
223,000
-72.16%
Dividends
(42,000)
(43,000)
Dividend yield
2.55%
2.28%
Proceeds from repurchase of equity
(35,000)
(12,000)
BB yield
2.13%
0.64%
Debt
Debt current
6,286,000
Long-term debt
5,588,000
8,259,000
Deferred revenue
(191,000)
Other long-term liabilities
14,510,000
(7,735,000)
Net debt
1,745,000
10,332,000
Cash flow
Cash from operating activities
1,987,000
1,848,000
CAPEX
(68,000)
Cash from investing activities
788,000
(5,111,000)
Cash from financing activities
(3,086,000)
3,267,000
FCF
7,858,000
5,075,000
Balance
Cash
3,590,000
3,986,000
Long term investments
253,000
227,000
Excess cash
3,690,000
4,019,500
Stockholders' equity
749,000
73,000
Invested Capital
22,119,000
30,725,000
ROIC
6.82%
13.05%
ROCE
8.89%
9.39%
EV
Common stock shares outstanding
50,000
50,000
Price
32.94
-12.53%
37.66
-43.43%
Market cap
1,647,000
-12.53%
1,883,000
-43.43%
EV
3,392,000
12,215,000
EBITDA
2,148,000
3,024,000
EV/EBITDA
1.58
4.04
Interest
879,000
503,000
Interest/NOPBT
43.26%
17.28%