BFH - Bread Financial Holdings, Inc. Stock Price, Fair Value and News

41.56USD+1.00 (+2.47%)Market Closed

Market Summary

USD41.56+1.00

Market Closed

2.47%

BFH Alerts

Big fall in earnings (Y/Y)

BFH Stock Price

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BFH RSI Chart

BFH Valuation

Market Cap

2.1B

Price/Earnings (Trailing)

5.2

Price/Sales (Trailing)

0.41

EV/EBITDA

-0.36

Price/Free Cashflow

1.01

BFH Price/Sales (Trailing)

BFH Profitability

Operating Margin

58.80%

EBT Margin

10.23%

Return on Equity

13.08%

Return on Assets

1.78%

Free Cashflow Yield

98.8%

BFH Fundamentals

BFH Revenue

Revenue (TTM)

5.1B

Rev. Growth (Yr)

-6.59%

Rev. Growth (Qtr)

-4.99%

BFH Earnings

Earnings (TTM)

396.5M

Earnings Growth (Yr)

-70.55%

Earnings Growth (Qtr)

208.05%

Breaking Down BFH Revenue

Last 7 days

2.1%

Last 30 days

29.0%

Last 90 days

11.7%

Trailing 12 Months

36.2%

How does BFH drawdown profile look like?

BFH Financial Health

Current Ratio

1.5

Debt/Equity

0.89

Debt/Cashflow

0.75

BFH Investor Care

Dividend Yield

2.02%

Dividend/Share (TTM)

0.84

Buy Backs (1Y)

1.07%

Diluted EPS (TTM)

7.97

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs

Net sales

Year	Q1	Q2	Q3	Q4
2024	5.1B	0	0	0
2023	5.0B	5.1B	5.2B	5.1B
2022	4.0B	4.2B	4.4B	4.7B
2021	4.1B	4.0B	4.0B	3.9B
2020	5.6B	5.3B	4.9B	4.5B
2019	5.6B	5.6B	5.6B	5.6B
2018	4.5B	4.9B	5.3B	5.7B
2017	7.3B	7.4B	7.4B	4.2B
2016	6.5B	6.8B	7.1B	7.1B
2015	5.7B	5.9B	6.2B	6.4B
2014	4.5B	4.7B	5.0B	5.3B
2013	3.8B	4.0B	4.1B	4.3B
2012	3.3B	3.5B	3.5B	3.6B
2011	2.9B	2.9B	3.1B	3.2B
2010	2.5B	2.6B	2.7B	2.8B
2009	0	2.1B	2.2B	2.4B
2008	0	0	0	2.0B

Get all data in R, Python etc through our Historical Stock Data APIs

Tracking the Latest Insider Buys and Sells of Bread Financial Holdings, Inc.

Filter Transactions

Datesorted ascending	Name	Buy/Sell	$ Value	Avg. Price	# Shares	Title
Apr 15, 2024	gerspach john c	acquired	-	-	1,025	-
Mar 25, 2024	motes joseph l iii	sold (taxes)	-54,305	35.61	-1,525	evp, cao, gen counsel & secy
Mar 25, 2024	andretta ralph j	sold (taxes)	-310,234	35.61	-8,712	president and ceo
Mar 25, 2024	beberman perry s	sold (taxes)	-84,894	35.61	-2,384	evp, chief financial officer
Mar 25, 2024	mcconnaughey tammy m	sold (taxes)	-63,848	35.61	-1,793	evp, operations & credit risk
Mar 25, 2024	greer valerie e	sold (taxes)	-84,253	35.61	-2,366	evp, chief commercial officer
Feb 16, 2024	mcconnaughey tammy m	sold (taxes)	-293,567	37.34	-7,862	evp, operations & credit risk
Feb 16, 2024	motes joseph l iii	acquired	-	-	3,102	evp, cao, gen counsel & secy
Feb 16, 2024	greer valerie e	sold (taxes)	-306,263	37.34	-8,202	evp, chief commercial officer
Feb 16, 2024	mcconnaughey tammy m	acquired	-	-	2,820	evp, operations & credit risk

Which funds bought or sold BFH recently?

View All Details

Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
May 16, 2024	JANE STREET GROUP, LLC	reduced	-22.39	-212,806	1,522,410	-%
May 16, 2024	COMERICA BANK	reduced	-8.84	25,371	854,569	-%
May 16, 2024	CALIFORNIA STATE TEACHERS RETIREMENT SYSTEM	reduced	-6.34	106,774	1,919,760	-%
May 15, 2024	Point72 Asset Management, L.P.	added	16.56	2,292,120	9,506,480	0.02%
May 15, 2024	Man Group plc	sold off	-100	-929,764	-	-%
May 15, 2024	MARSHALL WACE, LLP	reduced	-91.54	-3,202,400	338,884	-%
May 15, 2024	PRELUDE CAPITAL MANAGEMENT, LLC	sold off	-100	-429,274	-	-%
May 15, 2024	JANUS HENDERSON GROUP PLC	unchanged	-	92,207	800,080	-%
May 15, 2024	CAPITAL FUND MANAGEMENT S.A.	reduced	-42.15	-1,365,000	2,580,880	0.01%
May 15, 2024	CSS LLC/IL	added	27.92	130,189	422,004	0.02%

Are Funds Buying or Selling BFH?

Are funds buying BFH calls or puts?

Calls

Puts

No. of funds holding Calls - Puts

Net Call Options

No. of funds that own BFH

No. of Funds

BFH Alerts

Big fall in earnings (Y/Y)

Unveiling Bread Financial Holdings, Inc.'s Major ShareHolders

Date Filed	Name of Filer	Percent of Class	No. of Shares	Form Type
Feb 14, 2024	turtle creek asset management inc.	11.1%	5,452,961	SC 13G/A
Feb 13, 2024	vanguard group inc	11.42%	5,631,371	SC 13G/A
Feb 09, 2024	fmr llc	-	0	SC 13G/A
Feb 09, 2024	dimensional fund advisors lp	6.1%	3,000,104	SC 13G
Jan 30, 2024	franklin mutual advisers llc	0.18%	88,200	SC 13G/A
Jan 24, 2024	blackrock inc.	9.96%	4,918,073	SC 13G/A
Jun 12, 2023	turtle creek asset management inc.	11.6%	5,797,961	SC 13G/A
Feb 14, 2023	turtle creek asset management inc.	8.6%	4,266,381	SC 13G
Feb 10, 2023	southpoint capital advisors lp	0%	0	SC 13G/A
Feb 09, 2023	vanguard group inc	11.59%	5,777,098	SC 13G/A

Recent SEC filings of Bread Financial Holdings, Inc.

View All Filings

Date Filed	Form Type	Document
May 17, 2024	S-8	Employee Benefits Plan
May 15, 2024	3	Insider Trading
May 15, 2024	8-K	Current Report
May 15, 2024	8-K	Current Report
May 02, 2024	10-Q	Quarterly Report
Apr 25, 2024	8-K	Current Report
Apr 25, 2024	8-K	Current Report
Apr 17, 2024	4	Insider Trading
Apr 03, 2024	ARS	ARS
Apr 03, 2024	DEF 14A	DEF 14A

Bread Financial Holdings, Inc. News

Latest updates

Bread Financial Holdings, Inc. Earnings Report: Key Takeaways & Analysis

Income Statement (Last 12 Months)

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Income Statement (Quarterly)																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Revenue	-5.0%	1,247	1,313	1,301	1,197	1,335	1,325	1,218	1,073	1,068	1,017	994	915	942	1,110	1,051	979	1,382	1,461	1,438	1,349	1,334
Cost Of Revenue	-	-	-	-	-	-	-	-	-	-	-	489	495	498	603	483	493	499	705	688	655	641
Costs and Expenses	-	-	-	-	-	-	-	-	-	-	-	717	539	582	851	760	805	1,218	1,152	1,133	1,011	977
S&GA Expenses	-	-	-	-	-	-	-	-	-	-	-	35.00	27.00	17.00	32.00	29.00	20.00	24.00	23.00	32.00	57.00	38.00
EBITDA Margin	-8.3%	0.95*	1.04*	1.01*	1.02*	1.02*	0.98*	1.06*	1.09*	1.18*	1.19*	0.99*	0.76*	-	-	-	-	-	-	-	-	-
Interest Expenses	-2.1%	1,052	1,075	1,082	992	1,117	1,130	1,085	978	989	932	903	815	835	113	115	128	139	142	140	144	144
Income Taxes	303.8%	53.00	-26.00	52.00	22.00	183	-74.00	55.00	4.00	91.00	4.00	53.00	91.00	99.00	53.00	43.00	9.00	-4.60	37.00	43.00	51.00	35.00
Earnings Before Taxes	916.2%	188	19.00	225	86.00	638	-207	189	16.00	302	64.00	259	354	367	146	176	47.00	25.00	167	164	194	213
EBT Margin	-45.6%	0.10*	0.19*	0.14*	0.14*	0.13*	0.06*	0.13*	0.15*	0.25*	0.27*	0.28*	0.26*	-	-	-	-	-	-	-	-	-
Net Income	208.0%	134	44.00	171	48.00	455	-133	134	12.00	210	18.00	224	274	286	12.00	133	38.00	30.00	98.00	-107	139	149
Net Income Margin	-43.8%	0.08*	0.14*	0.10*	0.10*	0.09*	0.05*	0.09*	0.11*	0.18*	0.21*	0.20*	0.18*	-	-	-	-	-	-	-	-	-
Free Cashflow	-27.6%	447	617	629	343	398	497	608	246	497	335	475	216	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Assets	-3.6%	22,299	23,141	21,608	21,609	21,970	25,407	21,960	21,811	20,938	21,746	22,257	21,812	21,163	22,547	21,113	22,867	24,235	26,495	27,158	30,740	29,433
Current Assets	-	-	-	-	-	-	-	-	-	-	-	19,387	18,908	18,295	19,634	18,661	20,644	21,704	24,113	24,784	28,274	27,036
Cash Equivalents	6.1%	3,808	3,590	3,380	3,325	3,611	3,891	3,583	3,111	2,930	3,046	2,964	2,788	2,634	3,463	3,751	5,451	4,766	3,958	5,052	4,155	3,816
Inventory	-	-	-	-	-	-	-	-	-	-	-	192	162	146	164	203	194	189	218	250	244	242
Net PPE	-0.6%	166	167	160	162	180	195	204	219	220	215	292	295	296	213	252	256	263	282	287	285	290
Goodwill	-	-	-	-	-	-	-	-	-	-	-	1,343	1,359	1,351	1,370	969	944	929	955	937	960	950
Liabilities	-4.7%	19,267	20,223	18,744	18,873	19,254	23,142	19,561	19,536	18,670	19,660	20,012	19,765	19,399	21,025	19,790	21,713	23,147	24,907	25,661	28,348	27,194
Current Liabilities	-	-	-	-	-	-	-	-	-	-	-	12,934	10,570	10,740	10,422	10,741	11,378	10,752	11,872	11,812	10,607	10,597
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2,704	-	-	-	2,749	-	-	5,720
LT Debt, Non Current	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2,704	-	-	-	2,749	-	-	-
Shareholder's Equity	3.9%	3,032	2,918	2,864	2,736	2,716	2,265	2,399	2,275	2,268	2,086	2,246	2,048	1,764	1,522	1,323	1,155	1,088	1,589	1,497	2,392	2,240
Retained Earnings	16.0%	890	767	735	574	537	93.00	238	114	113	-87.00	131	5,371	5,108	4,832	4,830	4,707	4,679	5,163	5,096	5,233	5,128
Additional Paid-In Capital	-0.3%	2,163	2,169	2,155	2,181	2,197	2,192	2,181	2,174	2,163	2,174	2,171	3,443	3,431	3,427	3,273	3,268	3,260	3,258	3,256	3,260	3,177
Accumulated Depreciation	-100.0%	-	343	-	-	-	287	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Shares Outstanding	-0.6%	50.00	50.00	50.00	50.00	50.00	50.00	50.00	50.00	50.00	50.00	50.00	50.00	-	-	-	-	-	-	-	-	-
Float	-	-	-	-	1,600	-	-	-	1,800	-	-	-	4,100	-	-	-	2,100	-	-	-	7,000	-

Cashflow (Last 12 Months)

(In Thousands)

(*) denotes actual numbers (not divided by Thousands)
Cashflow (Quarterly)																					(In Thousands)
Description	(%) Q/Q	2024Q1	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1
Cashflow From Operations	-27.6%	447,000	617,000	629,000	343,000	398,000	497,000	608,000	246,000	497,000	335,000	475,000	216,000	517,000	394,400	421,100	495,000	572,500	-312,200	440,500	478,900	610,800
Share Based Compensation	25.0%	15,000	12,000	10,000	13,000	9,000	9,000	8,000	9,000	7,000	4,000	9,000	9,000	7,000	4,800	5,300	6,200	4,700	15,500	-100	3,700	21,100
Cashflow From Investing	140.2%	720,000	-1,791,000	-281,000	-281,000	3,141,000	-3,623,000	-591,000	-1,207,000	310,000	-2,072,000	-154,000	-474,000	1,009,000	-1,590,800	24,800	1,593,700	1,746,300	-789,500	4,164,800	-1,231,800	717,500
Cashflow From Financing	-169.9%	-975,000	1,395,000	-304,000	-343,000	-3,834,000	3,445,000	-106,000	1,024,000	-1,096,000	1,765,000	208,000	376,000	-1,741,000	897,300	-2,152,700	-1,408,200	-1,503,400	4,100	-3,699,500	1,086,400	-1,483,000
Dividend Payments	15.8%	11,000	9,500	11,000	11,000	11,000	11,500	10,000	11,000	10,000	11,000	10,000	10,000	11,000	10,500	-	10,100	30,300	29,600	30,400	33,100	33,900
Buy Backs	-	11,000	-	-	-	-	-	-	-	12,000	-	-	-	-	-	-	-	-	100	753,100	-	222,800

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BFH Income Statement

2024-03-31

UNAUDITED CONSOLIDATED STATEMENTS OF INCOME - USD ($)
shares in Millions, $ in Millions

3 Months Ended

Mar. 31, 2024

Mar. 31, 2023

Interest income

Interest and fees on loans

$ 1,247

$ 1,289

Interest on cash and investment securities

Total interest income

1,300

1,335

Interest expense

Interest on deposits

155

117

Interest on borrowings

101

Total interest expense

248

218

Net interest income

1,052

1,117

Non-interest income

Interchange revenue, net of retailer share arrangements

(92)

(87)

Gain on portfolio sale

230

Other

Total non-interest income

(61)

172

Total net interest and non-interest income

991

1,289

Provision for credit losses

321

107

Total net interest and non-interest income, after provision for credit losses

670

1,182

Non-interest expenses

Employee compensation and benefits

213

220

Card and processing expenses

120

Information processing and communication

Marketing expenses

Depreciation and amortization

Other

Total non-interest expenses

482

544

Income from continuing operations before income taxes

188

638

Provision for income taxes

183

Income from continuing operations

135

455

(Loss) income from discontinued operations, net of income taxes

^[1]

(1)

Net income

$ 134

$ 455

Basic income per share (Note 14)

Income from continuing operations (in dollars per share)

$ 2.74

$ 9.10

(Loss) income from discontinued operations(in dollars per share)

(0.03)

Net income per share (in dollars per share)

2.71

9.10

Diluted income per share (Note 14)

Income from continuing operations (in dollars per share)

2.73

9.08

(Loss) income from discontinued operations (in dollars per share)

(0.03)

Net income per share (in dollars per share)

$ 2.70

$ 9.08

Weighted average common shares outstanding (Note 14)

Basic (in shares)

49.5

50.0

Diluted (in shares)

49.7

50.1

[1]

Includes amounts that related to the previously disclosed discontinued operations associated with the spinoff of our former LoyaltyOne segment in 2021 and the sale of our former Epsilon segment in 2019. For additional information refer to Note 1, “Description of Business, Basis of Presentation and Summary of Significant Accounting Policies” to the unaudited Consolidated Financial Statements.

BFH Balance Sheet

2024-03-31

UNAUDITED CONSOLIDATED BALANCE SHEETS - USD ($) $ in Millions	Mar. 31, 2024	Dec. 31, 2023
ASSETS
Cash and cash equivalents	$ 3,789	$ 3,590
Credit card and other loans
Total credit card and other loans (includes loans available to settle obligations of consolidated variable interest entities March 31, 2024, $12,058; December 31, 2023, $12,844, respectively)	18,185	19,333
Allowance for credit losses	(2,255)	(2,328)
Credit card and other loans, net	15,930	17,005
Investments (Fair value: March 31, 2024, $221; December 31, 2023, $217)	258	253
Property and equipment, net	166	167
Goodwill and intangible assets, net	753	762
Other assets	1,403	1,364
Total assets	22,299	23,141
LIABILITIES AND STOCKHOLDERS’ EQUITY
Deposits	13,327	13,620
Debt issued by consolidated variable interest entities	3,358	3,898
Long-term and other debt	1,294	1,394
Other liabilities	1,288	1,311
Total liabilities	19,267	20,223
Commitments and contingencies (Note 10)
Stockholders’ equity
Common stock, $0.01 par value; authorized, 200.0 million shares; issued, 49.6 million shares as of March 31, 2024 and 49.3 million shares as of December 31, 2023, respectively.	1	1
Additional paid-in capital	2,163	2,169
Retained earnings	890	767
Accumulated other comprehensive loss	(22)	(19)
Total stockholders’ equity	3,032	2,918
Total liabilities and stockholders’ equity	$ 22,299	$ 23,141

About Bread Financial Holdings, Inc.

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. In addition, it offers an enhanced digital suite that includes a unified software development kit, which provides access to its suite of products, as well as promotes credit payment options earlier in the shopping experience. Further, the company through Bread, a digital payments platform and robust suite of application programming interfaces allows merchants and partners to integrate online point-of-sale financing and other digital payment products. It offers its products under the Bread CashbackTM, Bread PayTM, and Bread SavingsTM brands. The company was formerly known as Alliance Data Systems Corporation and changed its name to Bread Financial Holdings, Inc. in March 2022. Bread Financial Holdings, Inc. was incorporated in 1995 and is headquartered in Columbus, Ohio.

CEO	Mr. Ralph J. Andretta
WEBSITE	breadfinancial.com
INDUSTRY	Credit Services
EMPLOYEES	7500

Bread Financial Holdings, Inc. Frequently Asked Questions

What is the ticker symbol for Bread Financial Holdings, Inc.? What does BFH stand for in stocks?

BFH is the stock ticker symbol of Bread Financial Holdings, Inc.. Every public company that trades on a stock exchange gets a ticker symbol.

What is the market capital of Bread Financial Holdings, Inc. (BFH)?

As of Fri May 17 2024, market cap of Bread Financial Holdings, Inc. is 2.06 Billion. The market capitalization is calculated by multiplying the stock price with the number of shares outstanding.

What is the fair value of BFH stock?

You can check BFH's fair value in chart for subscribers.

What is the fair value of BFH stock?

You can check BFH's fair value in chart for subscribers. The fair value of Bread Financial Holdings, Inc. is provided for various growth and macro-economic scenarios from very pessimiatic to very optimistic assumptions. These fair values are estimates from Grufity's Fair Value model based on company's past performance. However, past performance of Bread Financial Holdings, Inc. is no guarantee of future performance. These fairvalue estimates should only be used as one of the inputs in your stock analysis. We provide model's historical fair value estimates for BFH so that you know how good or bad the model has been in the past so you can discard it if needed. There are others that provide fair values of stocks such as wallmine, finbox, gurufocus and finviz. Most provide point in time estimates. We provide a history of our models fair value estimates so that you can get a sense of it's usefulness. Otherwise this data point is of little use.

Is Bread Financial Holdings, Inc. a good stock to buy?

The fair value guage provides a quick view whether BFH is over valued or under valued. Whether Bread Financial Holdings, Inc. is cheap or expensive depends on the assumptions which impact Bread Financial Holdings, Inc.'s fair value. We provide several scenarios of inflation and growth to encompass these range of assumptions for BFH.

What is Bread Financial Holdings, Inc.'s Price to Earnings (PE) and Price to sales (PS) ratio?

As of Fri May 17 2024, BFH's PE ratio (Price to Earnings) is 5.2 and Price to Sales (PS) ratio is 0.41. The price to earnings and price to sales ratio are two most important valuation metrics for any company. PE ratio tell us the number of years of earnings investors are ready to pay for owning the company. Historically, S&P500 price to earnings ratio has fallen below 12 during periods of gloom and gone past 30 during periods of euphoria. BFH PE ratio will change depending on the future growth rate expectations of investors.

What is 5 year return on Bread Financial Holdings, Inc.'s stock?

In the past 10 years, Bread Financial Holdings, Inc. has provided -0.16 (multiply by 100 for percentage) rate of return.