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Bread Financial Holdings LSE:0HCR Stock Report

Last Price

US$61.31

Market Cap

US$3.1b

7D

-6.8%

1Y

81.0%

Updated

22 Dec, 2024

Data

Company Financials +

Bread Financial Holdings, Inc.

LSE:0HCR Stock Report

Market Cap: US$3.1b

0HCR Stock Overview

Provides tech-forward payment and lending solutions to customers and consumer-based industries in North America. More details

0HCR fundamental analysis
Snowflake Score
Valuation3/6
Future Growth2/6
Past Performance1/6
Financial Health5/6
Dividends2/6

My Notes

Capture your thoughts, links and company narrative

Bread Financial Holdings, Inc. Competitors

Price History & Performance

Summary of share price highs, lows and changes for Bread Financial Holdings
Historical stock prices
Current Share PriceUS$61.31
52 Week HighUS$66.69
52 Week LowUS$28.20
Beta1.99
1 Month Change5.18%
3 Month Change18.63%
1 Year Change81.05%
3 Year Change-4.61%
5 Year Change-45.00%
Change since IPO-76.59%

Recent News & Updates

Recent updates

Shareholder Returns

0HCRGB Consumer FinanceGB Market
7D-6.8%-2.0%-2.6%
1Y81.0%-2.3%2.4%

Return vs Industry: 0HCR exceeded the UK Consumer Finance industry which returned -2.3% over the past year.

Return vs Market: 0HCR exceeded the UK Market which returned 2.4% over the past year.

Price Volatility

Is 0HCR's price volatile compared to industry and market?
0HCR volatility
0HCR Average Weekly Movement7.1%
Consumer Finance Industry Average Movement5.6%
Market Average Movement4.8%
10% most volatile stocks in GB Market10.6%
10% least volatile stocks in GB Market2.6%

Stable Share Price: 0HCR has not had significant price volatility in the past 3 months compared to the UK market.

Volatility Over Time: 0HCR's weekly volatility (7%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
19957,000Ralph Andrettawww.breadfinancial.com

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.

Bread Financial Holdings, Inc. Fundamentals Summary

How do Bread Financial Holdings's earnings and revenue compare to its market cap?
0HCR fundamental statistics
Market capUS$3.12b
Earnings (TTM)US$316.00m
Revenue (TTM)US$2.47b

9.9x

P/E Ratio

1.3x

P/S Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
0HCR income statement (TTM)
RevenueUS$2.47b
Cost of RevenueUS$0
Gross ProfitUS$2.47b
Other ExpensesUS$2.15b
EarningsUS$316.00m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)6.36
Gross Margin100.00%
Net Profit Margin12.81%
Debt/Equity Ratio147.3%

How did 0HCR perform over the long term?

See historical performance and comparison

Dividends

1.3%

Current Dividend Yield

13%

Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/22 17:23
End of Day Share Price 2024/12/20 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Bread Financial Holdings, Inc. is covered by 48 analysts. 14 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Kunaal MaldeAtlantic Equities LLP
Jeffrey MeulerBaird
Darrin PellerBarclays