0HCR Stock Overview
Provides tech-forward payment and lending solutions to customers and consumer-based industries in North America. More details
| Snowflake Score | |
|---|---|
| Valuation | 3/6 |
| Future Growth | 3/6 |
| Past Performance | 1/6 |
| Financial Health | 4/6 |
| Dividends | 2/6 |
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Bread Financial Holdings, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$62.48 |
| 52 Week High | US$66.69 |
| 52 Week Low | US$32.53 |
| Beta | 1.96 |
| 1 Month Change | 1.46% |
| 3 Month Change | 7.14% |
| 1 Year Change | 66.13% |
| 3 Year Change | -10.31% |
| 5 Year Change | -38.36% |
| Change since IPO | -76.14% |
Recent News & Updates
Recent updates
Shareholder Returns
| 0HCR | GB Consumer Finance | GB Market | |
|---|---|---|---|
| 7D | -0.7% | 0.1% | 0.3% |
| 1Y | 66.1% | 6.8% | 10.4% |
Return vs Industry: 0HCR exceeded the UK Consumer Finance industry which returned 6.8% over the past year.
Return vs Market: 0HCR exceeded the UK Market which returned 10.4% over the past year.
Price Volatility
| 0HCR volatility | |
|---|---|
| 0HCR Average Weekly Movement | 5.1% |
| Consumer Finance Industry Average Movement | 5.2% |
| Market Average Movement | 4.7% |
| 10% most volatile stocks in GB Market | 10.4% |
| 10% least volatile stocks in GB Market | 2.6% |
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 (5%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1995 | 7,000 | Ralph Andretta | www.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
| 0HCR fundamental statistics | |
|---|---|
| Market cap | US$3.06b |
| Earnings (TTM) | US$279.00m |
| Revenue (TTM) | US$2.44b |
11.0x
P/E Ratio1.3x
P/S RatioIs 0HCR overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| 0HCR income statement (TTM) | |
|---|---|
| Revenue | US$2.44b |
| Cost of Revenue | US$0 |
| Gross Profit | US$2.44b |
| Other Expenses | US$2.16b |
| Earnings | US$279.00m |
Last Reported Earnings
Dec 31, 2024
Next Earnings Date
n/a
| Earnings per share (EPS) | 5.68 |
| Gross Margin | 100.00% |
| Net Profit Margin | 11.43% |
| Debt/Equity Ratio | 182.1% |
How did 0HCR perform over the long term?
See historical performance and comparisonDividends
1.3%
Current Dividend Yield15%
Payout RatioDoes 0HCR pay a reliable dividends?
See 0HCR dividend history and benchmarks| Bread Financial Holdings dividend dates | |
|---|---|
| Ex Dividend Date | Feb 14 2025 |
| Dividend Pay Date | Mar 21 2025 |
| Days until Ex dividend | 3 days |
| Days until Dividend pay date | 32 days |
Does 0HCR pay a reliable dividends?
See 0HCR dividend history and benchmarksCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2025/02/16 22:40 |
| End of Day Share Price | 2025/02/14 00:00 |
| Earnings | 2024/12/31 |
| Annual Earnings | 2024/12/31 |
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.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
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* 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.
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 Github.
Analyst Sources
Bread Financial Holdings, Inc. is covered by 46 analysts. 13 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Kunaal Malde | Atlantic Equities LLP |
| Jeffrey Meuler | Baird |
| Darrin Peller | Barclays |