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Overview
Profile

Bread Financial Holdings stock

BFH
US0185811082
934251

Price

63.19
Today +/-
+1.16
Today %
+1.97 %

Bread Financial Holdings stock price

%
Weekly
Details

Price

ⓘ

Overview

The Quote Chart provides detailed and dynamic insights into the Bread Financial Holdings stock's performance, showcasing daily, weekly, or monthly aggregated quotes. Users can switch between different time frames to analyze the stock's progression meticulously and make informed investment decisions.

Intraday Feature

The intraday feature provides real-time data, allowing investors to view the Bread Financial Holdings stock’s price fluctuations within the trading day, facilitating timely and strategic investment decisions.

Total Return and Relative Price Change

View the total return of the Bread Financial Holdings stock to gauge its profitability over time. The relative price change, based on the first quote available in the selected timeframe, offers insights into the stock’s performance, assisting in evaluating its investment potential.

Interpretation and Investment

Utilize the comprehensive data presented in the Quote Chart to analyze Bread Financial Holdings's market trends, price movements, and potential returns. Make informed investment choices by comparing different time frames and evaluating intraday data for optimized portfolio management.

Bread Financial Holdings Stock Price History

DateBread Financial Holdings Price
12/6/202463.19 undefined
12/5/202461.96 undefined
12/4/202461.11 undefined
12/3/202461.15 undefined
12/2/202460.42 undefined
11/29/202458.83 undefined
11/27/202457.95 undefined
11/26/202458.57 undefined
11/25/202458.90 undefined
11/22/202458.07 undefined
11/21/202456.80 undefined
11/20/202457.18 undefined
11/19/202457.59 undefined
11/18/202457.67 undefined
11/15/202458.50 undefined
11/14/202456.70 undefined
11/13/202458.92 undefined
11/12/202458.64 undefined
11/11/202459.57 undefined

Bread Financial Holdings Revenue, EBIT, Net Income

  • 3 years

  • 5 years

  • 10 years

  • 25 Years

  • Max

Revenue
EBIT
Net Income
Details

Revenue, EBIT and Profit

ⓘ

Understanding Revenue, EBIT, and Income

Gain insights into Bread Financial Holdings, a comprehensive overview of its financial performance can be obtained by analyzing the Revenue, EBIT, and Income chart. Revenue represents the total income generated by Bread Financial Holdings from its primary operations, showcasing the company’s ability to attract and retain clients. EBIT, or Earnings Before Interest and Taxes, indicates the company’s operational profitability, free from the influence of tax and interest expenses. The Income section reflects Bread Financial Holdings’s net earnings, an ultimate measure of its financial health and profitability.

Yearly Analysis and Comparisons

Observe the yearly bars to understand the annual performance and growth of Bread Financial Holdings. Compare the Revenue, EBIT, and Income to evaluate the company’s efficiency and profitability. A higher EBIT compared to the previous year suggests an improvement in operational efficiency. Likewise, an increase in Income indicates enhanced overall profitability. Analyzing the year-to-year comparison assists investors in understanding the company’s growth trajectory and operational efficiency.

Utilizing Expectations for Investment

The expected values for the forthcoming years offer investors a glimpse into Bread Financial Holdings’s anticipated financial performance. Analyzing these projections alongside historical data aids in making informed investment decisions. Investors can gauge the potential risks and returns, aligning their investment strategies accordingly to optimize profitability and mitigate risks.

Investment Insights

Leveraging the comparison between Revenue and EBIT helps in assessing Bread Financial Holdings’s operational efficiency, while the Revenue and Income comparison reveals the net profitability after accounting for all expenses. Investors can derive valuable insights by meticulously analyzing these financial parameters, laying the foundation for strategic investment decisions aimed at capitalizing on Bread Financial Holdings’s growth potential.

Bread Financial Holdings Revenue, EBIT and net profit per share

DateBread Financial Holdings RevenueBread Financial Holdings EBITBread Financial Holdings Net Income
2028e4.66 B undefined2.06 B undefined334.95 M undefined
2027e4.44 B undefined1.98 B undefined334.45 M undefined
2026e4.17 B undefined1.75 B undefined423.56 M undefined
2025e3.97 B undefined1.81 B undefined274.66 M undefined
2024e3.94 B undefined1.85 B undefined380.58 M undefined
20234.81 B undefined1.62 B undefined718 M undefined
20224.33 B undefined803 M undefined223 M undefined
20213.66 B undefined1.43 B undefined801 M undefined
20203.8 B undefined800 M undefined214 M undefined
20194.69 B undefined1.3 B undefined269 M undefined
20185.67 B undefined1.77 B undefined963.1 M undefined
20175.47 B undefined1.52 B undefined788.7 M undefined
20167.14 B undefined1.27 B undefined432.3 M undefined
20156.44 B undefined1.31 B undefined551.5 M undefined
20145.3 B undefined1.08 B undefined491.5 M undefined
20134.32 B undefined1.1 B undefined496.2 M undefined
20123.64 B undefined974.4 M undefined422.3 M undefined
20113.17 B undefined812.7 M undefined315.3 M undefined
20102.79 B undefined629.2 M undefined193.7 M undefined
20091.96 B undefined385.1 M undefined143.7 M undefined
20082.03 B undefined464.7 M undefined206.4 M undefined
20071.96 B undefined449.6 M undefined164.1 M undefined
20061.65 B undefined373.4 M undefined189.6 M undefined
20051.55 B undefined236.6 M undefined138.7 M undefined
20041.26 B undefined172.1 M undefined102.4 M undefined

Bread Financial Holdings Income Statement, Balance Sheet, Cash Flow Statement

  • Simple

  • Expanded

  • Income Statement

  • Balance Sheet

  • Cashflow

 
REVENUE (B)REVENUE GROWTH (%)GROSS MARGIN (%)GROSS INCOME (B)NET INCOME (M)NET INCOME GROWTH (%)DIV. ()DIV. GROWTH (%)SHARES (M)DOCUMENTS
199519961997199819992000200120022003200420052006200720082009201020112012201320142015201620172018201920202021202220232024e2025e2026e2027e2028e
0.180.280.350.410.580.680.770.871.051.261.551.651.962.031.962.793.173.644.325.36.447.145.475.674.693.83.664.334.813.943.974.174.444.66
-57.3026.0716.1542.2016.3014.0111.9020.9220.1723.476.3118.913.21-3.0142.1113.6914.7518.6222.7621.4410.86-23.313.51-17.26-19.01-3.7418.4411.11-18.170.845.146.374.96
52.2552.8654.3918.2919.9019.1721.9922.4324.5727.1327.5133.5833.4933.7331.0644.6442.8942.1340.9639.3140.7740.0854.9055.2289.7889.5791.1691.7191.10111.33110.41105.0198.7294.05
0.090.150.190.080.120.130.170.190.260.340.430.550.660.680.611.251.361.531.772.082.632.863.013.134.213.43.333.974.3800000
29100-18-33-28-132367102138189164206143193315422496491551432788963269214801223718380274423334334
--65.52--83.33-15.15-53.57-276.92191.3052.2435.2936.96-13.2325.61-30.5834.9763.2133.9717.54-1.0112.22-21.6082.4122.21-72.07-20.45274.30-72.16221.97-47.08-27.8954.38-21.04-
----------------------------------
----------------------------------
36.536.536.641.747.547.564.676.780.38484.681.780.873.657.755.757.864.166.962.462.358.955.955.150.947.950505000000
----------------------------------
Details

Keystats

ⓘ

Revenue and Growth

The Bread Financial Holdings Revenue and Revenue Growth are pivotal to understanding the company's financial health and operational efficiency. A consistent increase in revenue indicates a company’s ability to effectively market and sell its products or services, while the revenue growth percentage offers insights into the pace at which the company is expanding over the years.

Gross Margin

The Gross Margin is a crucial metric that showcases the percentage of revenue exceeding the cost of goods sold (COGS). A higher gross margin is indicative of a company’s efficiency in controlling its production costs, thereby promising potential profitability and financial stability.

EBIT and EBIT Margin

EBIT (Earnings Before Interest and Taxes) and EBIT Margin offer deep insights into a company’s profitability, excluding the impacts of interest and taxes. Investors often assess these metrics to gauge the operational efficiency and inherent profitability of a business, separate from its financial structure and tax environment.

Income and Growth

Net Income and its subsequent growth are quintessential for investors looking to understand a company’s profitability. Consistent income growth underscores a company’s ability to enhance its profitability over time, reflecting operational efficiency, strategic competitiveness, and financial health.

Shares Outstanding

Shares outstanding refer to the total number of shares a company has issued. It's instrumental in calculating key metrics like Earnings Per Share (EPS) which is pivotal for investors to evaluate a company’s profitability on a per-share basis, offering a more granular view of financial health and valuation.

Interpreting Year to Year Comparison

Comparing yearly data allows investors to identify trends, assess the company’s growth, and anticipate potential future performance. Analyzing how metrics like revenue, income, and margins change year over year can provide valuable insights into the company’s operational efficiency, competitiveness, and overall financial health.

Expectations and Predictions

Investors often juxtapose the current and past financial data with the market’s expectations. This comparison aids in assessing whether the Bread Financial Holdings is performing as anticipated, underperforming or outperforming the market predictions, providing pivotal data for investment decisions.

 
ASSETSCASH BALANCE (B)RECEIVABLES (B)OTHER REC. (B)INVENTORIES (M)OTHER CURRENT LIAB. (M)CURRENT ASSETS (B)TANGIBLE ASSETS (M)LONG-T. INVEST. (M)LONG-T. REC. (M)INTANGIBLE ASSETS (B)GOODWILL (B)OTHER NON-CURRENT ASSETS (B)NON-CURRENT ASSETS (B)TOTAL ASSETS (B)LIABILITIESCOMMON STOCK (k)ADDITIONAL PAID-IN CAPITAL (B)RETAINED EARNINGS (B)OTHER EQUITY (M)UNREAL. GAINS/LOSSES (M)EQUITY (B)LIABILITIES (M)PROVISIONS (M)OTHER SHORT-TERM LIAB. (B)SHORT-TERM DEBTS (B)LONG-TERM DEBT PORTION (B)SHORT-TERM REC. (B)LONG-T. LIAB. (B)DEFERRED TAXES (M)OTHER LIAB. (B)LONG-T. LIABILITIES (B)DEBT (B)TOTAL CAPITAL (B)
19981999200020012002200320042005200620072008200920102011201220132014201520162017201820192020202120222023
                                                   
0.050.060.120.120.030.070.080.140.180.220.160.210.140.220.890.971.081.171.864.193.823.873.083.053.893.59
0.280.240.350.260.260.40.420.740.950.880.831.145.15.57.348.4711.4213.7616.3918.3217.2218.7415.1615.5718.917.01
0000000000000000.060.130.10.421.031.950.410000
00000000000000000228271234248218164000
00000000000000000000000000
0.330.30.470.380.290.470.50.881.131.10.991.355.245.728.239.512.6215.2618.9423.7723.2423.2418.4118.6122.7920.6
668992112120134148163208193168165171195253299560577586614288547544312283265
520000000000000000000000289227253
12114413421623628124427132537970199300000000000151164144
0.110.080.040.020.080.140.230.270.260.340.30.320.310.380.580.461.521.210.80.220.150.080.050.170.13
0.170.410.410.470.430.480.710.860.971.191.131.171.221.451.751.743.873.813.83.880.960.961.370.630.630.63
0.040.070.080.060.050.050.050.070.090.480.260.230.520.460.330.250.240.290.020.034.20.050.361.540.930.94
0.570.790.750.880.911.091.391.631.862.582.562.872.232.492.922.756.185.885.415.325.661.72.362.982.412.36
0.91.091.221.271.211.561.892.512.993.683.554.237.478.211.1512.2518.821.1424.3529.0928.924.9420.7621.625.222.96
                                                   
0001,0001,0001,0001,0001,0001,0001,0001,0001,0001,0001,0001,0001,0001,0001,0001,0001,0001,0001,0001,0001,0001,0001,000
0.230.230.230.510.520.610.680.740.840.91.121.241.321.391.451.512.912.983.053.13.173.263.432.172.192.17
0.070.040.020.010.030.10.20.340.530.680.891.030.821.131.552.052.543.093.54.175.015.164.83-0.090.090.77
-2-40-7-4-1-3-6924-48-66-35-23-22-22-80-137-149-132-127-102-28-3-3-3
000000000000000450-2-9-113231-18-16
0.30.260.240.510.550.710.881.081.371.611.962.22.12.52.993.555.375.946.397.138.058.328.262.092.272.92
4456648273635667113134107104122150215210456442568651486301328291398422
5976817384109142199202206144128169207275262457567347443279624687454432421
0.02000000000.680.860.991.041.041.060.970.850.70.790.850.770.830.96000
0000000000000000000000011.0313.8313.62
0.150.120.160.110.190.20.230.580.30.680.710.822.442.363.372.933.914.47.137.849.3910.088.51000.26
0.270.250.310.270.340.370.430.840.621.711.822.043.783.754.924.375.676.118.839.7810.9311.8310.4811.7714.6614.72
0.330.440.390.20.110.190.210.260.740.641.221.733.533.735.847.2810.2612.713.8117.9815.7812.219.87.448.015.03
0000074963445912314183152277276690632335211257800000
0.10.360.480.510.460.60.680.840.930.560.641.040.861.170.440.471.010.730.880.861.10.790.750.450.480.47
0.430.790.870.710.570.790.941.161.721.261.972.914.475.066.568.0211.9614.0715.0319.0517.1313.0810.557.898.495.5
0.71.041.180.970.911.171.372.012.332.973.794.958.258.8111.4712.3917.6320.1723.8628.8328.0624.9121.0319.6623.1420.22
11.31.421.481.461.872.253.083.714.575.757.1610.3511.314.4615.9323.0126.1130.2535.9636.133.2329.2821.7525.4123.14
Details

Balance Sheet

ⓘ

Understanding the Balance Sheet

The balance sheet of Bread Financial Holdings provides a detailed financial snapshot, revealing the company's assets, liabilities, and equity at a specific point in time. Analyzing these components is crucial for investors looking to understand Bread Financial Holdings's financial health and stability.

Assets

Bread Financial Holdings's assets represent everything the company owns or controls that has monetary value. These are categorized into current and non-current assets, offering insights into the company's liquidity and long-term investments.

Liabilities

Liabilities are obligations that Bread Financial Holdings must settle in the future. Analyzing the ratio of liabilities to assets provides insights into the company's financial leverage and risk exposure.

Equity

Equity refers to the residual interest in the assets of Bread Financial Holdings after deducting liabilities. It represents the owners’ claim on the company’s assets and earnings.

Year-to-Year Analysis

Comparing balance sheet figures year-to-year allows investors to identify trends, growth patterns, and potential financial risks, facilitating informed investment decisions.

Interpreting the Data

Detailed analysis of assets, liabilities, and equity can provide investors with comprehensive insights into Bread Financial Holdings's financial standing, aiding in investment evaluations and risk assessments.

 
NET INCOME (M)DEPRECIATION (M)DEFERRED TAXES (M)CHANGES IN WORKING CAPITAL (M)NON-CASH ITEM (B)PAID INTEREST (M)PAID TAXES (B)NET CASH FLOW FROM OPERATING ACTIVITIES (B)CAPITAL EXPENDITURES (M)CASH FLOW FROM INVESTING ACTIVITIES (B)CASH FLOW FROM OTHER INVESTING ACTIVITIES (B)INTEREST INCOME AND EXPENSES (M)NET DEBT CHANGE (B)NET CHANGE IN EQUITY (M)CASH FLOW FROM FINANCING ACTIVITIES (B)CASH FLOW FROM OTHER FINANCING ACTIVITIES (B)TOTAL DIVIDENDS PAID (M)NET CHANGE IN CASH FLOW (B)FREE CASH FLOW (M)SHARE-BASED COMPENSATION (M)
199719981999200020012002200320042005200620072008200920102011201220132014201520162017201820192020202120222023
8-17-29-21-102367102138189164206143193315422496516605517788963278213801223718
355277767466749199125166143125143153166216313492512497487249183123113116
-4-12-37-131311931-13-27-272117194710242-13-121-30-11316-186-222-15-245-68
-55-32505481-3-60100-14249162-1-121489229-239-11237-207167144-20334-41-4760
-0.01-0.01-0.01-0.010.010.020.030.040.040.10.160.140.250.550.450.460.550.710.781.411.331.220.951.40.71.841.21
2133433831231991640796884241231215239221311405551719671487325338292
0.010.010.030.0100.020.020.020.060.140.110.110.070.040.120.140.220.260.30.470.340.231.070.270.360.470.86
-0.030.010.250.090.170.120.120.350.110.40.570.450.360.91.011.1311.341.712.132.62.751.221.881.541.851.99
-48-14-36-33-36-42-47-48-65-100-116-49-53-68-73-116-135-158-191-207-225-199-142-54-84-68-48
-0.1-0.15-0.31-0.02-0.19-0.19-0.25-0.4-0.33-0.47-0.69-0.51-0.89-0.34-1.04-2.67-1.62-4.74-3.36-4.29-4.27-1.872.861.77-1.69-5.110.79
-0.06-0.13-0.270.01-0.15-0.15-0.2-0.35-0.27-0.37-0.58-0.46-0.84-0.27-0.97-2.55-1.48-4.58-3.17-4.08-4.04-1.6731.83-1.61-5.040.84
000000000000000000000000000
0.10.06-0.040-0.13-0.030.080.030.390.20.251.061.13-0.610.342.330.933.813.013.874.75-0.61-2.88-1.72-0.430.56-2.7
0107119015698134-115-97-87-875-387-114-211-105-217-269-933-780-535-425-963240-35
0.10.160.0700.03-0.020.170.070.280.110.2-0.020.57-0.720.112.210.73.521.772.644-1.22-4.09-4.170.613.27-3.09
0000000000.010.03-0.2-0.170.01-0.02-0.02-0.01-0.02-0.3-0.42-0.1-0.06-0.12-2.391.082.75-0.31
0000000000000000000-30-115-125-127-60-42-43-42
-0.030.030.010.060-0.090.040.020.060.040.09-0.110.06-0.160.080.680.080.110.090.492.35-0.35-0.01-0.490.460-0.31
-78.8-5.1215.354.1129.880.269.9300.343.2297.5454.8401.4305.4833.9937.81,017.7868.11,185.51,514.11,920.22,373.72,555.11,075.41,828.71,4591,7801,939
000000000000000000000000000

Bread Financial Holdings stock margins

The Bread Financial Holdings margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Bread Financial Holdings. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Bread Financial Holdings.

  • 3 years

  • 5 years

  • 10 years

  • 25 Years

  • Max

Gross margin
EBIT margin
Profit margin
Details

Margin

ⓘ

Understanding Gross Margin

The gross margin, expressed as a percentage, delineates the gross profit made from the Bread Financial Holdings's sales revenue. A higher gross margin percentage indicates that the Bread Financial Holdings retains more revenue after accounting for the costs of goods sold. Investors use this metric to gauge financial health and operational efficiency, as well as to compare it with competitors and industry averages.

EBIT Margin Analysis

EBIT margin represents the Bread Financial Holdings's earnings before interest and taxes. Analyzing the EBIT margin over different years provides insights into the operational profitability and efficiency, excluding the effects of financial leverage and tax structure. A growing EBIT margin over the years signifies improving operational performance.

Revenue Margin Insights

The revenue margin demonstrates the Bread Financial Holdings's total revenue generated. When comparing the revenue margin year over year, investors can gauge the Bread Financial Holdings's growth and market expansion. It is essential to compare the revenue margin with the gross and EBIT margins to understand the cost and profit structures better.

Interpreting Expectations

The expected values for gross, EBIT, and revenue margins provide future financial outlook of the Bread Financial Holdings. Investors should compare these expectations with historical data to understand potential growth and risk factors. It is crucial to consider the underlying assumptions and methodologies used in projecting these expected values to make informed investment decisions.

Comparative Analysis

Comparing the gross, EBIT, and revenue margins, both yearly and over multiple years, enables investors to perform a comprehensive analysis of the Bread Financial Holdings's financial health and growth prospects. Evaluating the trends and patterns in these margins helps in identifying strengths, weaknesses, and potential investment opportunities.

Bread Financial Holdings Margin History

Bread Financial Holdings Gross marginBread Financial Holdings Profit marginBread Financial Holdings EBIT marginBread Financial Holdings Profit margin
2028e91.1 %44.22 %7.19 %
2027e91.1 %44.65 %7.53 %
2026e91.1 %41.98 %10.15 %
2025e91.1 %45.7 %6.92 %
2024e91.1 %46.95 %9.67 %
202391.1 %33.74 %14.93 %
202291.71 %18.55 %5.15 %
202191.16 %39.04 %21.92 %
202089.57 %21.07 %5.64 %
201989.78 %27.73 %5.74 %
201855.23 %31.2 %17 %
201754.89 %27.73 %14.41 %
201640.08 %17.73 %6.06 %
201540.77 %20.37 %8.56 %
201439.31 %20.4 %9.27 %
201340.98 %25.44 %11.49 %
201242.15 %26.76 %11.6 %
201142.9 %25.61 %9.94 %
201044.64 %22.54 %6.94 %
200931.06 %19.6 %7.32 %
200833.74 %22.94 %10.19 %
200733.51 %22.91 %8.36 %
200633.6 %22.62 %11.49 %
200527.56 %15.24 %8.93 %
200427.14 %13.69 %8.14 %

Bread Financial Holdings Stock Sales Revenue, EBIT, Earnings per Share

The Bread Financial Holdings earnings per share therefore indicates how much revenue Bread Financial Holdings has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

  • 3 years

  • 5 years

  • 10 years

  • 25 Years

  • Max

Sales per Share
EBIT per share
Earnings per Share
Details

Revenue, EBIT and Earnings per share

ⓘ

Revenue Per Share

Revenue per share represents the total revenue Bread Financial Holdings earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Bread Financial Holdings's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Bread Financial Holdings’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Bread Financial Holdings's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Bread Financial Holdings Revenue, EBIT and net profit per share

DateBread Financial Holdings Sales per ShareBread Financial Holdings EBIT per shareBread Financial Holdings Earnings per Share
2028e93.7 undefined0 undefined6.74 undefined
2027e89.28 undefined0 undefined6.73 undefined
2026e83.93 undefined0 undefined8.52 undefined
2025e79.83 undefined0 undefined5.52 undefined
2024e79.16 undefined0 undefined7.65 undefined
202396.2 undefined32.46 undefined14.36 undefined
202286.58 undefined16.06 undefined4.46 undefined
202173.1 undefined28.54 undefined16.02 undefined
202079.27 undefined16.7 undefined4.47 undefined
201992.1 undefined25.54 undefined5.28 undefined
2018102.84 undefined32.09 undefined17.48 undefined
201797.94 undefined27.15 undefined14.11 undefined
2016121.19 undefined21.49 undefined7.34 undefined
2015103.37 undefined21.06 undefined8.85 undefined
201484.98 undefined17.34 undefined7.88 undefined
201364.56 undefined16.43 undefined7.42 undefined
201256.81 undefined15.2 undefined6.59 undefined
201154.9 undefined14.06 undefined5.46 undefined
201050.11 undefined11.3 undefined3.48 undefined
200934.04 undefined6.67 undefined2.49 undefined
200827.52 undefined6.31 undefined2.8 undefined
200724.28 undefined5.56 undefined2.03 undefined
200620.2 undefined4.57 undefined2.32 undefined
200518.35 undefined2.8 undefined1.64 undefined
200414.97 undefined2.05 undefined1.22 undefined

Bread Financial Holdings business model

Alliance Data Systems Corp is an American company specializing in the development of solutions in the field of data analysis and marketing. The company was founded in 1996 and is headquartered in Plano, Texas. It employs over 8,000 employees worldwide and is listed on the New York Stock Exchange. The business model of Alliance Data Systems Corp is based on the collection of customer and transaction data. These are provided by the company's customers and serve as a basis for the development of marketing, analysis, and consulting services. The goal of Alliance Data Systems Corp is to help its customers increase the efficiency and effectiveness of their marketing campaigns and thereby increase their revenue. One of the key divisions of Alliance Data Systems Corp is the LoyaltyOne business. Here, the company offers customer loyalty programs and customer analytics services for numerous large retailers and financial services companies. The most well-known program operated by LoyaltyOne is the Air Miles program, based in Canada, which is used by almost every Canadian household. Another important core business of Alliance Data Systems Corp is the provision of credit card services. The company is a major player in the American market and operates the Private Label credit card business for some of the largest retailers in the USA. In addition to lending, Alliance Data Systems Corp's credit card portfolio also includes over-limit fees, fraud protection, and customer analytics services. Alliance Data Systems Corp also offers a range of B2B services in the field of marketing and analytics. The company supports its customers in creating and implementing campaigns and also offers data analytics services that allow businesses to measure the performance of their marketing campaigns. Overall, Alliance Data Systems Corp is a company focused on the collection and analysis of data to help its customers conduct effective marketing campaigns and increase revenue. The company is a key player in customer loyalty programs and credit card services but also has a strong B2B offering in the field of marketing and analytics. Bread Financial Holdings is one of the most popular companies on Eulerpool.com.

Bread Financial Holdings SWOT Analysis

Strengths

Alliance Data Systems Corp has a strong market position and wide brand recognition, providing a solid foundation for business growth. The company has a diverse range of products and services, including loyalty programs, analytics, and credit card processing, which contribute to its competitive advantage. Moreover, Alliance Data Systems Corp has a strong customer base and established relationships with various industries, enhancing its market presence.

Weaknesses

One notable weakness of Alliance Data Systems Corp is its dependency on a few major clients for a significant portion of its revenue. This increases the company's vulnerability to potential client loss or changes in their business strategies. Additionally, the company may face challenges in adapting to rapidly evolving technological advancements and market trends, potentially impacting its competitiveness in the long term.

Opportunities

Alliance Data Systems Corp can leverage emerging technologies, such as artificial intelligence and machine learning, to further enhance its analytics capabilities and provide innovative solutions to its clients. The company can also explore new markets and expand its product offerings to diversify its revenue streams. Furthermore, the increasing demand for personalized customer experiences presents an opportunity for Alliance Data Systems Corp to strengthen its loyalty programs and data-driven marketing services.

Threats

The competitive landscape poses a threat to Alliance Data Systems Corp, as it faces competition from both traditional and emerging players in the market. Rapidly changing regulations and compliance requirements also pose a challenge to the company, potentially increasing operational costs and limiting its flexibility. Additionally, economic downturns or fluctuations can negatively impact consumer spending, affecting the demand for Alliance Data Systems Corp's services.

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Bread Financial Holdings Eulerpool Fair Value

Details

Fair Value

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Understanding Fair Value

The fair value of a stock provides insights into whether the stock is currently undervalued or overvalued. It is calculated based on profit, revenue, or dividends and offers a comprehensive perspective of the stock’s intrinsic value.

Income-Based Fair Value

This is calculated by multiplying the earnings per share by the average P/E ratio of the selected past years for smoothing. If the fair value is higher than the current market price, it suggests that the stock is undervalued.

Example 2022

Fair Value Profit 2022 = Earnings per Share 2022 / Average P/E Ratio 2019 - 2021 (3 Years Smoothing)

Revenue-Based Fair Value

It is derived by multiplying the revenue per share by the average price-to-sales ratio of the selected past years for smoothing. An undervalued stock is identified if the fair value exceeds the ongoing market price.

Example 2022

Fair Value Revenue 2022 = Revenue per Share 2022 / Average PSR 2019 - 2021 (3 Years Smoothing)

Dividend-Based Fair Value

This value is determined by dividing the dividend per share by the average dividend yield of the selected past years for smoothing. A higher fair value than the market price indicates an undervalued stock.

Example 2022

Fair Value Dividend 2022 = Dividend per Share 2022 * Average Dividend Yield 2019 - 2021 (3 Years Smoothing)

Expectations and Forecasts

Future expectations provide potential trajectories for stock prices and aid investors in decision-making. The expected values are forecasted figures of fair value, taking into account the growth or decline trends of profit, revenue, or dividend.

Comparative Analysis

Comparing the fair value based on profit, revenue, and dividend provides a holistic overview of the stock’s financial health. Observing the annual and per-annual variations contributes to understanding the consistency and reliability of stock performance.

Bread Financial Holdings historical P/E ratio, EBIT multiple, and P/S ratio

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Bread Financial Holdings shares outstanding

The number of shares was Bread Financial Holdings in 2023 — This indicates how many shares 50 M is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.

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Number of stocks
Details

Revenue, EBIT and Earnings per share

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Revenue Per Share

Revenue per share represents the total revenue Bread Financial Holdings earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Bread Financial Holdings's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Bread Financial Holdings’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Bread Financial Holdings's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Bread Financial Holdings dividend history and estimates

In 2023, Bread Financial Holdings paid a dividend amounting to 1.05 USD. Dividend means that Bread Financial Holdings distributes a portion of its profits to its owners.

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Dividend
Dividend (Estimate)
Details

Dividend

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Dividend Overview

The dividend per year chart for Bread Financial Holdings provides a comprehensive view of the annual dividends distributed to shareholders. Analyze the trend to understand the consistency and growth in dividend payouts over the years.

Interpretation and Use

A consistent or increasing trend in dividends can indicate the company's profitability and financial health. Investors can use this data to identify Bread Financial Holdings’s potential for long-term investment and income generation through dividends.

Investment Strategy

Incorporate the dividend data in evaluating Bread Financial Holdings's overall performance. A thorough analysis, considering other financial aspects, will help in making informed investment decisions for optimal capital growth and income generation.

Bread Financial Holdings Dividend History

DateBread Financial Holdings Dividend
2028e1.14 undefined
2027e1.14 undefined
2026e1.14 undefined
2025e1.14 undefined
2024e1.14 undefined
20231.05 undefined
20220.84 undefined
20210.84 undefined
20201.26 undefined
20192.52 undefined
20182.28 undefined
20172.08 undefined
20160.52 undefined

Bread Financial Holdings dividend payout ratio

In 2023, Bread Financial Holdings had a payout ratio of 17.44%. The payout ratio indicates the percentage of the company's profits that Bread Financial Holdings distributes as dividends.

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Payout ratio

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What is Yearly Payout Ratio?

The yearly payout ratio for Bread Financial Holdings represents the proportion of earnings paid out as dividends to shareholders. It is an indicator of the company's financial health and stability, illustrating how much profit is being returned to investors versus being reinvested back into the company.

How to Interpret the Data

A lower payout ratio for Bread Financial Holdings could mean that the company is reinvesting more into its growth, whereas a higher ratio indicates more earnings are being distributed as dividends. Investors seeking regular income might prefer companies with a higher payout ratio, while those looking for growth may opt for companies with a lower ratio.

Using the Data for Investments

Evaluate Bread Financial Holdings's payout ratio in conjunction with other financial metrics and performance indicators. A sustainable payout ratio, coupled with strong financial health, can indicate a reliable dividend payout. However, a very high ratio might suggest the company is not sufficiently reinvesting in its future growth.

Bread Financial Holdings Payout Ratio History

DateBread Financial Holdings Payout ratio
2028e16.07 %
2027e15.51 %
2026e16 %
2025e16.71 %
2024e13.84 %
202317.44 %
202218.83 %
20215.24 %
202028.25 %
201947.73 %
201813.05 %
201714.75 %
20167.08 %
201517.44 %
201417.44 %
201317.44 %
201217.44 %
201117.44 %
201017.44 %
200917.44 %
200817.44 %
200717.44 %
200617.44 %
200517.44 %
200417.44 %
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Unfortunately, there are currently no price targets and forecasts available for Bread Financial Holdings.

Bread Financial Holdings latest earnings and earnings surprises

DateEPS EstimateEPS ActualQuarterly report
9/30/20241.88 1.83  (-2.76 %)2024 Q3
6/30/20241.79 2.66  (48.84 %)2024 Q2
3/31/20243.05 2.7  (-11.4 %)2024 Q1
12/31/2023-0.89 0.9  (201.01 %)2023 Q4
9/30/20232.35 3.46  (47.42 %)2023 Q3
6/30/20230.15 1.27  (747.23 %)2023 Q2
3/31/20236.94 9.08  (30.91 %)2023 Q1
12/31/2022-3 -2.68  (10.53 %)2022 Q4
9/30/20222.62 2.69  (2.62 %)2022 Q3
6/30/20222.23 0.25  (-88.81 %)2022 Q2
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Eulerpool ESG Scorecard© for the Bread Financial Holdings stock

Eulerpool World ESG Rating (EESG©)

64/ 100

🌱 Environment

26

👫 Social

83

🏛️ Governance

84

Environment

Scope 1 - Direct Emissions
1,295
Scope 2 - Indirect emissions from purchased energy
9,208
Scope 3 - Indirect emissions within the value chain
156,701
Total CO₂ emissions
10,503
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather
Pesticides
Palm Oil
Tobacco
Genetically modified organisms
Climate concept
Sustainable forestry
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency

Social

Percentage of female employees69
Percentage of women in management
Percentage of Asian employees
Share of Asian management
Percentage of Hispanic/Latino employees
Hispano/Latino Management share
Percentage of Black employees
Black Management Share
Percentage of white employees
White Management Share
Adult content
Alcohol
Weapons
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept
Occupational health and safety
Catholic

Governance (Corporate Governance)

Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

Bread Financial Holdings shareholders

%
Name
Stocks
Change
Date
11.59214 % The Vanguard Group, Inc.5,763,610-62,3206/30/2024
9.41575 % Turtle Creek Asset Management Inc.4,681,511-246,4506/30/2024
8.92600 % BlackRock Institutional Trust Company, N.A.4,438,009-2,2056/30/2024
6.38176 % Dimensional Fund Advisors, L.P.3,173,00970,0926/30/2024
5.97702 % Wellington Management Company, LLP2,971,776-152,0916/30/2024
4.00954 % State Street Global Advisors (US)1,993,5427,6136/30/2024
2.96772 % HSBC Global Asset Management (UK) Limited1,475,549-188,0476/30/2024
2.94488 % Millennium Management LLC1,464,195411,4686/30/2024
2.51341 % Victory Capital Management Inc.1,249,66971,7776/30/2024
2.33597 % American Century Investment Management, Inc.1,161,443212,2766/30/2024
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Bread Financial Holdings Executives and Management Board

Mr. Ralph Andretta

(62)
Bread Financial Holdings President, Chief Executive Officer, Director (since 2020)
Compensation 8.69 M

Mr. Perry Beberman

(57)
Bread Financial Holdings Chief Financial Officer, Executive Vice President
Compensation 3.45 M

Ms. Valerie Greer

(58)
Bread Financial Holdings Executive Vice President, Chief Commercial Officer
Compensation 3.11 M

Mr. Joseph Motes

(61)
Bread Financial Holdings Executive Vice President, Chief Administrative Officer, General Counsel, Secretary
Compensation 3.08 M

Ms. Tammy McConnaughey

(49)
Bread Financial Holdings Executive Vice President - Operations and Credit Risk
Compensation 3.01 M
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3

Bread Financial Holdings Supply Chain

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SupplierCustomer0,610,18
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SupplierCustomer0,350,46
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SupplierCustomer0,250,51
Toyota Motor Stock
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SupplierCustomer0,15-0,10
Express Stock
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SupplierCustomer0,110,08
1
2

Most common questions regarding Bread Financial Holdings

What values and corporate philosophy does Bread Financial Holdings represent?

Alliance Data Systems Corp represents a strong set of core values and a clear corporate philosophy. The company is committed to delivering excellence by fostering strong partnerships, embracing innovation, and upholding integrity. Alliance Data Systems Corp aims to provide unique and personalized customer experiences, utilizing data-driven insights and technology. The company values teamwork, collaboration, and diversity, recognizing the importance of a unified and inclusive workforce. With a focus on responsible business practices and sustainability, Alliance Data Systems Corp strives to make a positive impact on the communities it serves.

In which countries and regions is Bread Financial Holdings primarily present?

Alliance Data Systems Corp is primarily present in the United States, with headquarters in Plano, Texas. As a global provider of data-driven marketing and loyalty solutions, the company operates across various regions, including North America, Europe, and Asia. With a robust presence in the US market, Alliance Data Systems Corp has established strategic partnerships with leading brands, enabling them to deliver personalized marketing programs and customer loyalty initiatives. With their extensive reach and expertise, Alliance Data Systems Corp continues to thrive as a prominent player in the data and marketing industry.

What significant milestones has the company Bread Financial Holdings achieved?

Alliance Data Systems Corp has achieved several significant milestones. It successfully expanded its business worldwide, offering specialized loyalty programs and data-driven marketing services. The company has formed strategic partnerships with renowned brands, enhancing its market presence and customer reach. Alliance Data Systems Corp has consistently delivered strong financial results, demonstrating its capabilities in driving revenue growth. The company has also received numerous prestigious awards and accolades for its innovation, leadership, and excellence in the industry. With its continuous dedication to providing exceptional services and driving sustainable growth, Alliance Data Systems Corp has positioned itself as a leading player in the market.

What is the history and background of the company Bread Financial Holdings?

Alliance Data Systems Corp, headquartered in Plano, Texas, is a leading provider of data-driven marketing and loyalty solutions. Founded in 1996, the company has a rich history and background in enabling brands to engage with their customers and drive loyalty through innovative marketing strategies. Alliance Data offers a comprehensive suite of products and services, including data analysis, customer insights, loyalty programs, and digital marketing solutions. With a strong focus on data-driven decision-making, the company has consistently delivered effective and personalized marketing campaigns for its clients. Today, Alliance Data Systems Corp continues to be a trusted partner for many businesses looking to harness the power of data for marketing success.

Who are the main competitors of Bread Financial Holdings in the market?

The main competitors of Alliance Data Systems Corp in the market are Experian, Equifax, and TransUnion.

In which industries is Bread Financial Holdings primarily active?

Alliance Data Systems Corp is primarily active in the industries of credit and marketing services.

What is the business model of Bread Financial Holdings?

The business model of Alliance Data Systems Corp focuses on providing data-driven marketing and loyalty solutions for businesses. Through its various services and solutions, Alliance Data helps companies enhance customer engagement and drive sales growth. By leveraging its expertise in data analytics, customer insights, and targeted marketing strategies, Alliance Data enables businesses to build and maintain lasting customer relationships. The company's broad portfolio includes credit card programs, loyalty programs, personalized marketing campaigns, and data-driven insights to help businesses better understand and connect with their customers. Alliance Data's business model revolves around leveraging data to drive customer loyalty and long-term business success.

What is the P/E ratio of Bread Financial Holdings 2024?

The Bread Financial Holdings P/E ratio is 8.3.

What is the P/S ratio of Bread Financial Holdings 2024?

The Bread Financial Holdings P/S ratio is 0.8.

What is the Quality Investing of Bread Financial Holdings?

The Quality Investing for Bread Financial Holdings is 5/10.

What is the revenue of Bread Financial Holdings 2024?

The expected Bread Financial Holdings revenue is 3.94 B USD.

How high is the profit of Bread Financial Holdings 2024?

The expected Bread Financial Holdings profit is 380.58 M USD.

What is the business model of Bread Financial Holdings

Alliance Data Systems Corp (ADS) is a Fortune 500 company that was founded in Dallas, Texas, USA. ADS's business model revolves around offering specialized data analytics and customer loyalty programs for companies in various industries. One of ADS's core divisions is LoyaltyOne GmbH, based in Canada, which manages the customer loyalty program 'Air Miles'. This successful program allows customers from various companies to collect miles and reward points, which can then be exchanged for vouchers, travel, or products. The 'Air Miles' program is Canada's leading customer loyalty program and is one of the largest of its kind worldwide. Another important division of ADS is Epsilon, a subsidiary that offers marketing and data analytics services. Epsilon provides tailored marketing campaigns, email and social media marketing, web design and optimization, and mobile applications. Epsilon's clients include numerous well-known companies and organizations, including Bank of America, Walt Disney Company, and American Express Company. The third division of ADS is Card Services, which supplies companies with credit card services. Card Services offers customer loyalty programs, credit card transactions, debit card transactions, account management, and analytics tools. Card Services also offers a wide range of products, from simple checking accounts to complex treasury management solutions. Furthermore, ADS is involved in purchase data management. Using various technologies, ADS collects data on consumer purchasing behavior and analyzes it. The collected information is then used by retailers and advertisers to create targeted advertising campaigns and make better decisions. ADS's business model is based on the development of 'big data'. The company has an unparalleled amount of data that has been compiled from various sources. ADS's comprehensive database and advanced analytics tools enable deep insights into consumer behavior and purchasing decisions. These insights can be used by companies to target their audiences and optimize their business strategies. ADS also employs a multi-channel approach. With the help of customer loyalty programs, marketing campaigns, credit card programs, and data management, ADS offers its customers numerous opportunities to reach their target audiences. Accordingly, a wide range of services is offered, tailored to the needs and desires of customers. Overall, ADS is an innovative company that offers a comprehensive range of data analytics, customer loyalty, and marketing services. Through flexible solutions and targeted offerings, the company specifically caters to customers in different industries and sizes. ADS's success is based on its ability to analyze data and turn it into relevant and action-oriented insights.

What is the Bread Financial Holdings dividend?

Bread Financial Holdings pays a dividend of 0.84 USD distributed over 4 payouts per year.

How often does Bread Financial Holdings pay dividends?

Bread Financial Holdings pays out a dividend 4 times a year.

What is the Bread Financial Holdings ISIN?

The ISIN of Bread Financial Holdings is US0185811082.

What is the Bread Financial Holdings WKN?

The WKN of Bread Financial Holdings is 934251.

What is the Bread Financial Holdings ticker?

The ticker of Bread Financial Holdings is BFH.

How much dividend does Bread Financial Holdings pay?

Over the past 12 months, Bread Financial Holdings paid a dividend of 1.05 USD . This corresponds to a dividend yield of about 1.66 %. For the coming 12 months, Bread Financial Holdings is expected to pay a dividend of 1.14 USD.

What is the dividend yield of Bread Financial Holdings?

The current dividend yield of Bread Financial Holdings is 1.66 %.

When does Bread Financial Holdings pay dividends?

Bread Financial Holdings pays a quarterly dividend. This is distributed in the months of March, June, September, December.

How secure is the dividend of Bread Financial Holdings?

Bread Financial Holdings paid dividends every year for the past 13 years.

What is the dividend of Bread Financial Holdings?

For the upcoming 12 months, dividends amounting to 1.14 USD are expected. This corresponds to a dividend yield of 1.8 %.

In which sector is Bread Financial Holdings located?

Bread Financial Holdings is assigned to the 'Information technology' sector.

Wann musste ich die Aktien von Bread Financial Holdings kaufen, um die vorherige Dividende zu erhalten?

To receive the latest dividend of Bread Financial Holdings from 12/13/2024 amounting to 0.21 USD, you needed to have the stock in your portfolio before the ex-date on 11/8/2024.

When did Bread Financial Holdings pay the last dividend?

The last dividend was paid out on 12/13/2024.

What was the dividend of Bread Financial Holdings in the year 2023?

In the year 2023, Bread Financial Holdings distributed 0.84 USD as dividends.

In which currency does Bread Financial Holdings pay out the dividend?

The dividends of Bread Financial Holdings are distributed in USD.

All fundamentals about Bread Financial Holdings

Our stock analysis for Bread Financial Holdings Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Bread Financial Holdings Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.