BFH Stock Overview
Provides tech-forward payment and lending solutions to customers and consumer-based industries in North America. More details
| Snowflake Score | |
|---|---|
| Valuation | 5/6 |
| Future Growth | 2/6 |
| Past Performance | 1/6 |
| Financial Health | 5/6 |
| Dividends | 2/6 |
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Bread Financial Holdings, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$62.76 |
| 52 Week High | US$66.71 |
| 52 Week Low | US$28.00 |
| Beta | 1.99 |
| 1 Month Change | 8.08% |
| 3 Month Change | 23.47% |
| 1 Year Change | 85.52% |
| 3 Year Change | -9.14% |
| 5 Year Change | -43.41% |
| Change since IPO | 348.29% |
Recent News & Updates
Bread Financial Holdings: TBV Has Nearly Tripled, Trading At Nearly 57% Discount To Peers
Nov 11Bread Financial Holdings (NYSE:BFH) Has Announced A Dividend Of $0.21
Oct 27
Recent updates
Bread Financial Holdings: TBV Has Nearly Tripled, Trading At Nearly 57% Discount To Peers
Nov 11Bread Financial Holdings (NYSE:BFH) Has Announced A Dividend Of $0.21
Oct 27Bread Financial: Still Bullish Via Put Option Sales
Aug 22Bread Financial Holdings (NYSE:BFH) Has Affirmed Its Dividend Of $0.21
Jul 28Bread Financial: Upside Potential Beyond 52 Week High
May 28Consumer Spending Remains Strong, Sticking With Bread Financial
Feb 14Bread Financial Holdings (NYSE:BFH) Is Paying Out A Dividend Of $0.21
Jan 28There's No Escaping Bread Financial Holdings, Inc.'s (NYSE:BFH) Muted Earnings Despite A 28% Share Price Rise
Dec 22Bread Financial: Dirt Cheap With Some Caveats
Nov 21Bread Financial Holdings' (NYSE:BFH) Dividend Will Be $0.21
Oct 29Here's Why We Think Bread Financial Holdings (NYSE:BFH) Is Well Worth Watching
Sep 27Bread Financial: A Spooky Macro, But A Continued Strong Valuation With A Better Chart
Sep 08Bread Financial Holdings (NYSE:BFH) Will Pay A Dividend Of $0.21
Jul 30Bread Financial Holdings: Weathering The Storm
Jun 21Bread Financial delinquency rate climbs closer to pre-pandemic levels
Feb 14Bread Financial Holdings (NYSE:BFH) Is Due To Pay A Dividend Of $0.21
Jan 29Bread: Sustaining Growth Remains Uncertain, But Stability Assured
Jan 25Bread Financial's credit card metrics hold steady in November
Dec 15Bread Financial net charge-off rate jumps in October, delinquencies edge down
Nov 15Bread Financial Holdings Q3 2022 Earnings Preview
Oct 26Bread Financial August delinquency rate, net charge offs rise M/M, Y/Y
Sep 15Bread Financial Holdings (NYSE:BFH) Will Pay A Dividend Of $0.21
Aug 01Bread Financial, AAA sign multi-year agreement for delivering credit card program
Jul 28Shareholder Returns
| BFH | US Consumer Finance | US Market | |
|---|---|---|---|
| 7D | -3.8% | -2.8% | -2.4% |
| 1Y | 85.5% | 47.3% | 23.3% |
Return vs Industry: BFH exceeded the US Consumer Finance industry which returned 47.3% over the past year.
Return vs Market: BFH exceeded the US Market which returned 23.3% over the past year.
Price Volatility
| BFH volatility | |
|---|---|
| BFH Average Weekly Movement | 7.4% |
| Consumer Finance Industry Average Movement | 7.3% |
| Market Average Movement | 6.3% |
| 10% most volatile stocks in US Market | 16.8% |
| 10% least volatile stocks in US Market | 3.1% |
Stable Share Price: BFH has not had significant price volatility in the past 3 months compared to the US market.
Volatility Over Time: BFH's weekly volatility (7%) 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
| BFH fundamental statistics | |
|---|---|
| Market cap | US$3.12b |
| Earnings (TTM) | US$316.00m |
| Revenue (TTM) | US$2.47b |
9.9x
P/E Ratio1.3x
P/S RatioIs BFH overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| BFH income statement (TTM) | |
|---|---|
| Revenue | US$2.47b |
| Cost of Revenue | US$0 |
| Gross Profit | US$2.47b |
| Other Expenses | US$2.15b |
| Earnings | US$316.00m |
Last Reported Earnings
Sep 30, 2024
Next Earnings Date
n/a
| Earnings per share (EPS) | 6.36 |
| Gross Margin | 100.00% |
| Net Profit Margin | 12.81% |
| Debt/Equity Ratio | 147.3% |
How did BFH perform over the long term?
See historical performance and comparisonDividends
1.3%
Current Dividend Yield13%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2024/12/22 02:14 |
| End of Day Share Price | 2024/12/20 00:00 |
| Earnings | 2024/09/30 |
| Annual Earnings | 2023/12/31 |
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 |
|
* 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.
| Analyst | Institution |
|---|---|
| Kunaal Malde | Atlantic Equities LLP |
| Jeffrey Meuler | Baird |
| Darrin Peller | Barclays |