BFH Stock Overview
Bread Financial Holdings, Inc. provides tech-forward payment and lending solutions to customers and consumer-based industries in North America.
| Snowflake Score | |
|---|---|
| Valuation | 5/6 |
| Future Growth | 0/6 |
| Past Performance | 4/6 |
| Financial Health | 5/6 |
| Dividends | 3/6 |
Bread Financial Holdings, Inc. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | US$33.20 |
| 52 Week High | US$41.89 |
| 52 Week Low | US$23.19 |
| Beta | 1.98 |
| 1 Month Change | -15.15% |
| 3 Month Change | 9.90% |
| 1 Year Change | 17.65% |
| 3 Year Change | -68.46% |
| 5 Year Change | -78.44% |
| Change since IPO | 137.14% |
Recent News & Updates
Recent updates
Consumer Spending Remains Strong, Sticking With Bread Financial
Feb 14Bread Financial Holdings (NYSE:BFH) Is Paying Out A Dividend Of $0.21
Jan 28
There'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 28Bread Financial Holdings' (NYSE:BFH) Dividend Will Be US$0.21
May 01Alliance Data Systems (NYSE:ADS) Has Re-Affirmed Its Dividend Of US$0.21
Feb 05Alliance Data Systems (NYSE:ADS) Has A Somewhat Strained Balance Sheet
Feb 05Alliance Data Systems: M&A And New Enhanced Digital Suite Justify Upside Potential In The Stock Price
Jan 23There's Been No Shortage Of Growth Recently For Alliance Data Systems' (NYSE:ADS) Returns On Capital
Oct 17Does Alliance Data Systems (NYSE:ADS) Have A Healthy Balance Sheet?
Sep 29Alliance Data Systems: Revenues Likely To Bottom Out Soon
Sep 20Shareholder Returns
| BFH | US Consumer Finance | US Market | |
|---|---|---|---|
| 7D | -5.0% | -0.9% | -3.7% |
| 1Y | 17.6% | 29.5% | 20.2% |
Return vs Industry: BFH underperformed the US Consumer Finance industry which returned 27.8% over the past year.
Return vs Market: BFH underperformed the US Market which returned 20.5% over the past year.
Price Volatility
| BFH volatility | |
|---|---|
| BFH Average Weekly Movement | 6.3% |
| Consumer Finance Industry Average Movement | 5.8% |
| Market Average Movement | 6.0% |
| 10% most volatile stocks in US Market | 16.6% |
| 10% least volatile stocks in US Market | 3.0% |
Stable Share Price: BFH has not had significant price volatility in the past 3 months.
Volatility Over Time: BFH's weekly volatility (6%) has been stable over the past year.
About the Company
| Founded | Employees | CEO |
|---|---|---|
| 1995 | 7,000 | Ralph Andretta |
| Website |
|---|
| 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$1.65b |
| Earnings (TTM) | US$737.00m |
| Revenue (TTM) | US$3.06b |
2.2x
P/E Ratio0.5x
P/S RatioIs BFH overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| BFH income statement (TTM) | |
|---|---|
| Revenue | US$3.06b |
| Cost of Revenue | US$0 |
| Gross Profit | US$3.06b |
| Other Expenses | US$2.32b |
| Earnings | US$737.00m |
Last Reported Earnings
Dec 31, 2023
Next Earnings Date
Apr 25, 2024
| Earnings per share (EPS) | 14.87 |
| Gross Margin | 100.00% |
| Net Profit Margin | 24.09% |
| Debt/Equity Ratio | 181.4% |
How did BFH perform over the long term?
See historical performance and comparison