_id

690f348accc777a4e85d167c

Ticker

BFH

Name

Bread Financial Holdings Inc

Exchange

NYSE

Address

3095 Loyalty Circle, Columbus, OH, United States, 43219

Country

USA

Sector

Financial Services

Industry

Credit Services

Currency

USD

Website

https://www.breadfinancial.com

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 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, Bread Financial, Bread Cashback, Bread Rewards, Bread Pay, and Bread Savings 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.

Last Close

73.83

Volume

1086037

Current Price

74.36

Change

0.717865366382231

Last Updated

2025-11-28T12:50:21.901Z

Image

-

Ipo Date

2001-06-15T00:00:00.000Z

Market Cap

3076175872

Next Dividend Date

2025-12-12T00:00:00.000Z

Dividend Frequency

Quarterly

Dividend Rate

0.23

Dividend Yield

1.237224314147391

Sentiment

0.9299184210526316

Sentiment Sources

38

Rating

3.3125

Target Price

70.2

Strong Buy

4

Buy

1

Hold

8

Sell

2

Strong Sell

1

Current Quarter

2025-09-30

Revenue

1181000000

Cost Of Revenue

509000000

Gross Profit

672000000

Operating Expenses

476000000

Operating Income

196000000

Interest Expense

210000000

Pretax Income

196000000

Net Income

188000000

Eps

3.957894736842105

Dividends Per Share

9000000

Shares Outstanding

45600000

Income Tax Expense

8000000

EBITDA

215000000

Operating Margin

16.5961049957663

Total Other Income Expense Net

8000000

Cash

3764000000

Short Term Investments

284000000

Receivables

-

Inventories

-

Total Current Assets

4048000000

Property Plant Equipment

122000000

Total Assets

21714000000

Payables

-

Short Term Debt

-

Long Term Debt

3787000000

Total Liabilities

18397000000

Equity

3317000000

Depreciation

19000000

Change In Working Capital

-13000000

Cash From Operations

605000000

Capital Expenditures

8000000

Cash From Investing

-338000000

Cash From Financing

-306000000

Net Change In Cash

-39000000

PE

6.8279

PB

1.0648477539945733

ROE

5.667772083207718

ROA

0.8658008658008658

FCF

597000000

Fcf Percent

0.5055038103302286

Piotroski FScore

4

Health Score

57

Deep Value Investing Score

9

Defensive Investing Score

5

Dividend Investing Score

4

Economic Moat Investing Score

7.3

Garp Investing Score

5

Growth Investing Score

5

Momentum Investing Score

4

Net Net Investing Score

4

Quality Investing Score

5

Value Investing Score

7.5

Quarters > 0 > quarter

2025-09-30

Quarters > 0 > income Statement > revenue

1181000000

Quarters > 0 > income Statement > cost Of Revenue

509000000

Quarters > 0 > income Statement > gross Profit

672000000

Quarters > 0 > income Statement > operating Expenses

476000000

Quarters > 0 > income Statement > operating Income

196000000

Quarters > 0 > income Statement > interest Expense

210000000

Quarters > 0 > income Statement > pretax Income

196000000

Quarters > 0 > income Statement > net Income

188000000

Quarters > 0 > income Statement > eps

3.957894736842105

Quarters > 0 > income Statement > dividends Per Share

9000000

Quarters > 0 > income Statement > shares Outstanding

47500000

Quarters > 0 > income Statement > income Tax Expense

8000000

Quarters > 0 > income Statement > EBITDA

215000000

Quarters > 0 > income Statement > operating Margin

16.5961049957663

Quarters > 0 > income Statement > total Other Income Expense Net

8000000

Quarters > 0 > balance Sheet > cash

3764000000

Quarters > 0 > balance Sheet > short Term Investments

284000000

Quarters > 0 > balance Sheet > receivables

-

Quarters > 0 > balance Sheet > inventories

-

Quarters > 0 > balance Sheet > total Current Assets

4048000000

Quarters > 0 > balance Sheet > property Plant Equipment

122000000

Quarters > 0 > balance Sheet > total Assets

21714000000

Quarters > 0 > balance Sheet > payables

-

Quarters > 0 > balance Sheet > short Term Debt

-

Quarters > 0 > balance Sheet > long Term Debt

3787000000

Quarters > 0 > balance Sheet > total Liabilities

18397000000

Quarters > 0 > balance Sheet > equity

3317000000

Quarters > 0 > cash Flow > net Income

188000000

Quarters > 0 > cash Flow > depreciation

19000000

Quarters > 0 > cash Flow > change In Working Capital

-13000000

Quarters > 0 > cash Flow > cash From Operations

605000000

Quarters > 0 > cash Flow > capital Expenditures

8000000

Quarters > 0 > cash Flow > cash From Investing

-338000000

Quarters > 0 > cash Flow > cash From Financing

-306000000

Quarters > 0 > cash Flow > net Change In Cash

-39000000

Quarters > 0 > ratios > PE

3.957894736842105

Quarters > 0 > ratios > PB

1.0648477539945733

Quarters > 0 > ratios > ROE

5.667772083207718

Quarters > 0 > ratios > ROA

0.8658008658008658

Quarters > 0 > ratios > FCF

597000000

Quarters > 0 > ratios > Piotroski FScore

4

Quarters > 0 > ratios > fcf Percent

0.5055038103302286

Quarters > 0 > health Score

57

Quarters > 1 > quarter

2025-06-30

Quarters > 1 > income Statement > revenue

1149000000

Quarters > 1 > income Statement > cost Of Revenue

494000000

Quarters > 1 > income Statement > gross Profit

655000000

Quarters > 1 > income Statement > operating Expenses

481000000

Quarters > 1 > income Statement > operating Income

174000000

Quarters > 1 > income Statement > interest Expense

220000000

Quarters > 1 > income Statement > pretax Income

174000000

Quarters > 1 > income Statement > net Income

139000000

Quarters > 1 > income Statement > eps

2.944915254237288

Quarters > 1 > income Statement > dividends Per Share

10000000

Quarters > 1 > income Statement > shares Outstanding

47200000

Quarters > 1 > income Statement > income Tax Expense

35000000

Quarters > 1 > income Statement > EBITDA

195000000

Quarters > 1 > income Statement > operating Margin

15.143603133159269

Quarters > 1 > income Statement > total Other Income Expense Net

-

Quarters > 1 > balance Sheet > cash

3799000000

Quarters > 1 > balance Sheet > short Term Investments

176000000

Quarters > 1 > balance Sheet > receivables

15558000000

Quarters > 1 > balance Sheet > inventories

-

Quarters > 1 > balance Sheet > total Current Assets

3975000000

Quarters > 1 > balance Sheet > property Plant Equipment

127000000

Quarters > 1 > balance Sheet > total Assets

21821000000

Quarters > 1 > balance Sheet > payables

-

Quarters > 1 > balance Sheet > short Term Debt

13340000000

Quarters > 1 > balance Sheet > long Term Debt

4227000000

Quarters > 1 > balance Sheet > total Liabilities

18655000000

Quarters > 1 > balance Sheet > equity

3166000000

Quarters > 1 > cash Flow > net Income

138000000

Quarters > 1 > cash Flow > depreciation

21000000

Quarters > 1 > cash Flow > change In Working Capital

56000000

Quarters > 1 > cash Flow > cash From Operations

526000000

Quarters > 1 > cash Flow > capital Expenditures

12000000

Quarters > 1 > cash Flow > cash From Investing

-221000000

Quarters > 1 > cash Flow > cash From Financing

-723000000

Quarters > 1 > cash Flow > net Change In Cash

-418000000

Quarters > 1 > ratios > PE

2.944915254237288

Quarters > 1 > ratios > PB

1.1085887555274794

Quarters > 1 > ratios > ROE

4.390397978521794

Quarters > 1 > ratios > ROA

0.6370010540305211

Quarters > 1 > ratios > FCF

514000000

Quarters > 1 > ratios > Piotroski FScore

4

Quarters > 1 > ratios > fcf Percent

0.44734551784160137

Quarters > 1 > health Score

55

Quarters > 2 > quarter

2025-03-31

Quarters > 2 > income Statement > revenue

1195000000

Quarters > 2 > income Statement > cost Of Revenue

521000000

Quarters > 2 > income Statement > gross Profit

674000000

Quarters > 2 > income Statement > operating Expenses

477000000

Quarters > 2 > income Statement > operating Income

197000000

Quarters > 2 > income Statement > interest Expense

225000000

Quarters > 2 > income Statement > pretax Income

197000000

Quarters > 2 > income Statement > net Income

138000000

Quarters > 2 > income Statement > eps

2.782258064516129

Quarters > 2 > income Statement > dividends Per Share

12000000

Quarters > 2 > income Statement > shares Outstanding

49600000

Quarters > 2 > income Statement > income Tax Expense

55000000

Quarters > 2 > income Statement > EBITDA

218000000

Quarters > 2 > income Statement > operating Margin

16.485355648535567

Quarters > 2 > income Statement > total Other Income Expense Net

55000000

Quarters > 2 > balance Sheet > cash

4212000000

Quarters > 2 > balance Sheet > short Term Investments

172000000

Quarters > 2 > balance Sheet > receivables

15643000000

Quarters > 2 > balance Sheet > inventories

-

Quarters > 2 > balance Sheet > total Current Assets

4212000000

Quarters > 2 > balance Sheet > property Plant Equipment

133000000

Quarters > 2 > balance Sheet > total Assets

22382000000

Quarters > 2 > balance Sheet > payables

-

Quarters > 2 > balance Sheet > short Term Debt

13099000000

Quarters > 2 > balance Sheet > long Term Debt

5121000000

Quarters > 2 > balance Sheet > total Liabilities

19314000000

Quarters > 2 > balance Sheet > equity

3068000000

Quarters > 2 > cash Flow > net Income

138000000

Quarters > 2 > cash Flow > depreciation

21000000

Quarters > 2 > cash Flow > change In Working Capital

-121000000

Quarters > 2 > cash Flow > cash From Operations

393000000

Quarters > 2 > cash Flow > capital Expenditures

5000000

Quarters > 2 > cash Flow > cash From Investing

691000000

Quarters > 2 > cash Flow > cash From Financing

-562000000

Quarters > 2 > cash Flow > net Change In Cash

522000000

Quarters > 2 > ratios > PE

2.782258064516129

Quarters > 2 > ratios > PB

1.2021694915254237

Quarters > 2 > ratios > ROE

4.498044328552804

Quarters > 2 > ratios > ROA

0.6165668841032973

Quarters > 2 > ratios > FCF

388000000

Quarters > 2 > ratios > Piotroski FScore

4

Quarters > 2 > ratios > fcf Percent

0.32468619246861924

Quarters > 2 > health Score

55

Quarters > 3 > quarter

2024-12-31

Quarters > 3 > income Statement > revenue

1156000000

Quarters > 3 > income Statement > cost Of Revenue

648000000

Quarters > 3 > income Statement > gross Profit

508000000

Quarters > 3 > income Statement > operating Expenses

535000000

Quarters > 3 > income Statement > operating Income

-27000000

Quarters > 3 > income Statement > interest Expense

231000000

Quarters > 3 > income Statement > pretax Income

-27000000

Quarters > 3 > income Statement > net Income

7000000

Quarters > 3 > income Statement > eps

0.1388888888888889

Quarters > 3 > income Statement > dividends Per Share

11000000

Quarters > 3 > income Statement > shares Outstanding

50400000

Quarters > 3 > income Statement > income Tax Expense

-34000000

Quarters > 3 > income Statement > EBITDA

-5000000

Quarters > 3 > income Statement > operating Margin

-2.3356401384083045

Quarters > 3 > income Statement > total Other Income Expense Net

65000000

Quarters > 3 > balance Sheet > cash

3679000000

Quarters > 3 > balance Sheet > short Term Investments

170000000

Quarters > 3 > balance Sheet > receivables

145000000

Quarters > 3 > balance Sheet > inventories

-

Quarters > 3 > balance Sheet > total Current Assets

3994000000

Quarters > 3 > balance Sheet > property Plant Equipment

229000000

Quarters > 3 > balance Sheet > total Assets

22891000000

Quarters > 3 > balance Sheet > payables

326000000

Quarters > 3 > balance Sheet > short Term Debt

3237000000

Quarters > 3 > balance Sheet > long Term Debt

5557000000

Quarters > 3 > balance Sheet > total Liabilities

19840000000

Quarters > 3 > balance Sheet > equity

3051000000

Quarters > 3 > cash Flow > net Income

7000000

Quarters > 3 > cash Flow > depreciation

46000000

Quarters > 3 > cash Flow > change In Working Capital

-91000000

Quarters > 3 > cash Flow > cash From Operations

479000000

Quarters > 3 > cash Flow > capital Expenditures

7000000

Quarters > 3 > cash Flow > cash From Investing

-1351000000

Quarters > 3 > cash Flow > cash From Financing

1115000000

Quarters > 3 > cash Flow > net Change In Cash

243000000

Quarters > 3 > ratios > PE

0.1388888888888889

Quarters > 3 > ratios > PB

1.2283657817109144

Quarters > 3 > ratios > ROE

0.22943297279580466

Quarters > 3 > ratios > ROA

0.03057970381372592

Quarters > 3 > ratios > FCF

472000000

Quarters > 3 > ratios > Piotroski FScore

4

Quarters > 3 > ratios > fcf Percent

0.4083044982698962

Quarters > 3 > health Score

52

Valuation > metrics > PE

6.8279

Valuation > metrics > PB

1.0648477539945733

Valuation > final Score

100

Valuation > verdict

15.9% Undervalued

Profitability > metrics > ROE

5.667772083207718

Profitability > metrics > ROA

4.644268774703558

Profitability > metrics > Net Margin

0.15918712955122777

Profitability > final Score

49

Profitability > verdict

Weak

Risk > metrics > Debt Equity

5.546276756104914

Risk > metrics > Interest Coverage

0.9333333333333333

Risk > final Score

10

Risk > verdict

High

Liquidity > final Score

50

Liquidity > verdict

Weak

Prev Valuations > 0

100

Prev Valuations > 1

100

Prev Valuations > 2

100

Prev Profitabilities > 0

37

Prev Profitabilities > 1

36

Prev Profitabilities > 2

2

Prev Risks > 0

9

Prev Risks > 1

10

Prev Risks > 2

6

Prev Liquidities > 0

25

Prev Liquidities > 1

26

Prev Liquidities > 2

78

Updated At

2025-12-13T00:28:10.243Z