Bread Financial Holdings Past Earnings Performance

Past criteria checks 1/6

Bread Financial Holdings's earnings have been declining at an average annual rate of -5.2%, while the Consumer Finance industry saw earnings growing at 5.2% annually. Revenues have been declining at an average rate of 8% per year. Bread Financial Holdings's return on equity is 13.8%, and it has net margins of 16.4%.

Key information

-5.2%

Earnings growth rate

-4.0%

EPS growth rate

Consumer Finance Industry Growth	9.8%
Revenue growth rate	-8.0%
Return on equity	13.8%
Net Margin	16.4%
Last Earnings Update	31 Mar 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown
Beta

How Bread Financial Holdings makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

BOVESPA:A1LL34 Revenue, expenses and earnings (USD Millions)
Date	Revenue	Earnings	G+A Expenses
31 Mar 24	2,548	417	1,437
31 Dec 23	3,060	737	1,467
30 Sep 23	2,867	559	1,453
30 Jun 23	2,815	519	1,461
31 Mar 23	2,686	468	1,426
31 Dec 22	2,232	224	1,369
30 Sep 22	2,383	418	1,270
30 Jun 22	2,397	490	1,204
31 Mar 22	2,687	740	1,148
31 Dec 21	2,728	797	1,165
30 Sep 21	2,352	743	1,739
30 Jun 21	2,390	671	1,501
31 Mar 21	2,206	446	1,264
31 Dec 20	2,032	208	1,049
30 Sep 20	2,861	331	178
30 Jun 20	3,134	319	171
31 Mar 20	3,488	415	188
31 Dec 19	2,862	497	1,209
30 Sep 19	4,036	687	237
30 Jun 19	4,126	855	262
31 Mar 19	4,130	944	273
31 Dec 18	4,108	946	267
30 Sep 18	4,576	964	296
30 Jun 18	5,049	908	324
31 Mar 18	5,493	822	355
31 Dec 17	3,879	769	252
30 Sep 17	5,818	528	392
30 Jun 17	5,781	502	390
31 Mar 17	5,802	438	387
31 Dec 16	5,769	432	366
30 Sep 16	5,802	566	358
30 Jun 16	5,611	487	356
31 Mar 16	5,458	545	349
31 Dec 15	5,441	552	353
30 Sep 15	5,262	460	361
30 Jun 15	5,070	495	345
31 Mar 15	4,911	502	317
31 Dec 14	4,617	492	302
30 Sep 14	4,289	557	273
30 Jun 14	4,077	526	260
31 Mar 14	3,858	505	253
31 Dec 13	3,668	496	234
30 Sep 13	3,514	462	235
30 Jun 13	3,338	449	221

Quality Earnings: A1LL34 has high quality earnings.

Growing Profit Margin: A1LL34's current net profit margins (16.4%) are lower than last year (17.4%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: A1LL34's earnings have declined by 5.2% per year over the past 5 years.

Accelerating Growth: A1LL34's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: A1LL34 had negative earnings growth (-10.9%) over the past year, making it difficult to compare to the Consumer Finance industry average (3.8%).

Bread Financial Holdings Past Earnings Performance

Past criteria checks 1/6

Key information

Recent past performance updates

Alliance Data Systems Corporation Reports Net Charge-Offs for the Month Ended December 31, 2021

Alliance Data Systems Corporation Reports Net Charge-Offs for the Three Months Ended March 31, 2021

Alliance Data Systems Corporation Reports Net-charge-Offs for the Month Ended February 28, 2021

Recent updates

Bread Financial Holdings, Inc. Declares Quarterly Cash Dividend, Payable on June 14, 2024

Bread Financial Holdings, Inc., Annual General Meeting, May 14, 2024

Bread Financial Holdings, Inc. (NYSE:BFH) announces an Equity Buyback for $30 million worth of its shares.

Bread Financial Holdings, Inc. (NYSE:BFH) announces an Equity Buyback for $300 million worth of its shares.

Bread Financial Holdings, Inc. Declares Dividend on Common Stock, Payable on March 15, 2024

Bread Financial™ Announces Appointment of Allegra Driscoll as Executive Vice President and Chief Technology Officer

Bread Financial Holdings, Inc. Declares Dividend on Common Stock, Payable on Dec. 15, 2023

Bread Financial Holdings, Inc. Appoints Joyce St. Clair as Independent Director, Member of the Board's Compensation Human Capital Committee and Risk Committee

Bread Financial Holdings, Inc. Provides Earnings Guidance for the Full Year 2023

Bread Financial Holdings, Inc. (NYSE:BFH) entered into a definitive agreement to acquire Consumer Credit Portfolio of Dell Technologies Inc. (NYSE:DELL).

Bread Financial Holdings, Inc. Appoints Joyce St. Clair as Independent Director and Member of Risk Committee and Compensation & Human Capital Committee

New minor risk - Share price stability

Bread Financial Holdings, Inc. Provides Earnings Guidance for the First Half and Full Year of 2023

Bread Financial Holdings, Inc.(NYSE:BFH) dropped from S&P 400 Financials (Sector)

Bread Financial Declares Dividend on Common Stock, Payable on December 16, 2022

Bread Financial Holdings, Inc.(NYSE:BFH) dropped from S&P Software & Services Select Industry Index

Bread Financial Holdings, Inc. Provides Earnings Guidance for the Full Year 2022

Bread Financial Declares Dividend on Common Stock, Payable on September 16, 2022

Bread Financial Holdings, Inc., Annual General Meeting, May 24, 2022

Bread Financial™ and Victoria’s Secret Launch New Co-Brand Mastercard®, Renew Long-Standing Partnership

Alliance Data Systems Corporation Reports Net Charge-Offs for the Month Ended December 31, 2021

Alliance Data Systems Corporation (NYSE:ADS) entered into an agreement to acquire NFL Extra Points Credit Card Portfolio from NFL Enterprises LLC.

Alliance Data Systems Corporation Reports Net Charge-Offs for the Three Months Ended March 31, 2021

Petco Health and Wellness Company, Inc. Announces Revolutionary Credit Card Program in Partnership with Alliance Data and Mastercard

Alliance Data Systems Corporation Reports Net-charge-Offs for the Month Ended February 28, 2021

Alliance Data Systems Corporation Introducing New Private Label Credit Card Program for Famous Footwear

Royal Bank of Canada and Alliance Data's Bread Form Strategic Alliance to Provide Canadians with More Ways to Pay with PayPlan Powered by RBC

Alliance Data Systems Corporation Signs Multi-Year Renewal Agreement with Long-Standing Brand Partner Arhaus

Alliance Data Systems Corporation (NYSE:ADS) completed the acquisition of Lon Operations LLC.

Alliance Data Systems Corporation (NYSE:ADS) entered into a definitive agreement to acquire Lon Operations LLC for transaction valuation of $450 million.

Alliance Data Systems Corporation Launches Online Payment Features with Enhanced Digital Suite, Driving Customer Acquisition and Spend

Alliance Data Systems Corporation(NYSE:ADS) dropped from Russell Small Cap Comp Growth Index

Alliance Data Systems Corporation(NYSE:ADS) dropped from S&P Global 1200

Revenue & Expenses BreakdownBeta

Earnings and Revenue History

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Return on Equity

Return on Assets

Return on Capital Employed

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