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BFH

Bread Financial Holdings, Inc.

BFH

30.69USD-0.23 (-0.74%)Market Closed
Watchlist

Market Summary

USD30.69-0.23
Market Closed
-0.74%

BFH Alerts

  • 1 major insider sales recently.

BFH Stock Price

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BFH RSI Chart

BFH Valuation

Market Cap

1.5B

Price/Earnings (Trailing)

2.83

Price/Sales (Trailing)

0.3

EV/EBITDA

-0.36

Price/Free Cashflow

0.82

BFH Price/Sales (Trailing)

BFH Profitability

EBT Margin

14.38%

Return on Equity

18.87%

Return on Assets

2.5%

Free Cashflow Yield

122.03%

BFH Fundamentals

BFH Revenue

Revenue (TTM)

5.2B

Revenue Y/Y

6.81%

Revenue Q/Q

8.69%

BFH Earnings

Earnings (TTM)

540.5M

Earnings Y/Y

27.61%

Earnings Q/Q

256.25%

Price Action

Last 7 days

4.8%

Last 30 days

8.8%

Last 90 days

-14.7%

Trailing 12 Months

-18%

How does BFH drawdown profile look like?

BFH Financial Health

BFH Investor Care

Dividend Yield

2.74%

Dividend/Share (TTM)

0.84

Shares Dilution (1Y)

0.20%

Diluted EPS (TTM)

10.77

Historical Charts for Stock Metrics

Get all data in R, Python etc through our Historical Stock Data APIs
Net sales
YearQ1Q2Q3Q4
20235.0B5.1B5.2B0
20224.0B4.2B4.4B4.7B
20214.1B4.0B4.0B3.9B
20205.6B5.3B4.9B4.5B
20195.6B5.6B5.6B5.6B
20184.5B4.9B5.3B5.7B
20177.3B7.4B7.4B4.2B
20166.5B6.8B7.1B7.1B
20155.7B5.9B6.2B6.4B
20144.5B4.7B5.0B5.3B
20133.8B4.0B4.1B4.3B
20123.3B3.5B3.5B3.6B
20112.9B2.9B3.1B3.2B
20100002.8B
20090000
20080002.0B

Latest Insider Trading transactions for BFH

Filter Transactions
Datesorted ascendingNameBuy/Sell$ ValueAvg. Price# SharesTitle
Dec 07, 2023
turtle creek asset management inc.
sold
-45,680
30.5146
-1,497
-
Dec 07, 2023
turtle creek asset management inc.
sold
-61,212
30.5147
-2,006
-
Dec 07, 2023
turtle creek asset management inc.
sold
-655,972
30.5146
-21,497
-
Dec 06, 2023
turtle creek asset management inc.
sold
-764,716
29.6459
-25,795
-
Dec 06, 2023
turtle creek asset management inc.
sold
-53,273
29.6459
-1,797
-
Dec 06, 2023
turtle creek asset management inc.
sold
-71,387
29.6459
-2,408
-
Dec 05, 2023
turtle creek asset management inc.
sold
-46,511
28.9791
-1,605
-
Dec 05, 2023
turtle creek asset management inc.
sold
-34,717
28.9791
-1,198
-
Dec 05, 2023
turtle creek asset management inc.
sold
-498,354
28.9791
-17,197
-
Oct 16, 2023
gerspach john c
acquired
-
-
1,033
-

1–10 of 50

Which funds bought or sold BFH recently?

View All Details
Datesorted ascendingFund NameType% Chg$ Change$ Held% Portfolio
Dec 07, 2023
Hudson Bay Capital Management LP
added
176
8,231,300
12,312,000
0.05%
Dec 06, 2023
CITIGROUP INC
reduced
-44.26
-773,311
1,195,940
-%
Dec 06, 2023
Raleigh Capital Management Inc.
added
0.57
1,594
18,199
0.01%
Dec 01, 2023
B. Riley Wealth Advisors, Inc.
sold off
-100
-305,958
-
-%
Nov 24, 2023
DEUTSCHE BANK AG\
added
586
21,111,600
24,369,800
0.02%
Nov 22, 2023
Graham Capital Management, L.P.
reduced
-71.46
-1,324,770
597,679
0.01%
Nov 22, 2023
KBC Group NV
unchanged
-
-
127,000
-%
Nov 22, 2023
Public Sector Pension Investment Board
reduced
-30.22
-669,581
2,123,000
0.01%
Nov 21, 2023
COMERICA BANK
added
155
863,232
873,232
-%
Nov 17, 2023
JACOBS LEVY EQUITY MANAGEMENT, INC
new
-
13,686,800
13,686,800
0.08%

1–10 of 41

Latest Funds Activity

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

Schedule 13G FIlings of Bread Financial Holdings, Inc.

Date FiledName of FilerPercent of ClassNo. of SharesForm Type
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
Feb 09, 2023
fmr llc
-
0
SC 13G
Jan 30, 2023
franklin mutual advisers llc
5.7%
2,844,541
SC 13G/A
Jan 24, 2023
blackrock inc.
9.7%
4,851,523
SC 13G/A
Nov 10, 2022
vanguard group inc
10.06%
5,012,017
SC 13G/A

Recent SEC filings of Bread Financial Holdings, Inc.

View All Filings
Date Filed Form Type Document
Dec 07, 2023
4
Insider Trading
Dec 06, 2023
8-K
Current Report
Nov 21, 2023
4/A
Insider Trading
Nov 14, 2023
8-K
Current Report
Oct 26, 2023
8-K
Current Report
Oct 26, 2023
8-K
Current Report
Oct 26, 2023
10-Q
Quarterly Report
Oct 18, 2023
4
Insider Trading
Oct 18, 2023
4
Insider Trading
Sep 12, 2023
8-K
Current Report

Bread Financial Holdings, Inc. News

Latest updates
MarketBeat • 08 Dec 2023 • 11:12 am • 3 days ago
Seeking Alpha • 08 Dec 2023 • 08:00 am • 3 days ago
Yahoo Finance • 06 Dec 2023 • 01:09 pm • 4 days ago
Defense World • 01 Dec 2023 • 09:58 am • 10 days ago
Defense World • 27 Nov 2023 • 10:02 am • 14 days ago
Best Stocks • 17 Nov 2023 • 10:10 am • 24 days ago
Defense World • 17 Nov 2023 • 09:27 am • 24 days ago
MarketWatch • 16 Nov 2023 • 08:00 am • 25 days ago
finanznachrichten.de • 09 Nov 2023 • 08:00 am • 32 days ago
Yahoo Finance • 07 Nov 2023 • 08:00 am • 34 days ago
Defense World • 06 Nov 2023 • 08:00 am • 35 days ago
Defense World • 06 Nov 2023 • 07:59 am • 35 days ago
Yahoo Finance • 28 Oct 2023 • 07:00 am • 44 days ago
Yahoo Finance • 18 Oct 2023 • 07:00 am • 54 days ago
GuruFocus.com • 12 Oct 2023 • 07:00 am • 2 months ago

Financials for Bread Financial Holdings, Inc.

Income Statement (Last 12 Months)
Income Statement (Quarterly)
(In Millions)
(*) denotes actual numbers (not divided by Millions)
Description(%) Q/Q2023Q32023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q42019Q32019Q22019Q12018Q42018Q3
Revenue8.7%1,301,000,0001,197,000,0001,335,000,0001,325,000,0001,218,000,0001,073,000,0001,068,000,0001,017,000,000994,000,000915,000,000942,000,0001,109,800,0001,050,500,000979,300,0001,381,800,0001,461,000,0001,437,600,0001,348,500,0001,334,200,0001,464,600,0001,423,100,000
Cost Of Revenue---------489,200,000494,500,000497,500,000602,600,000482,700,000492,800,000499,200,000705,100,000687,500,000654,800,000640,500,000697,850,000654,000,000
Costs and Expenses---------716,500,000539,100,000581,800,000851,100,000759,500,000804,600,0001,217,800,0001,152,000,0001,133,400,0001,011,200,000977,300,000956,000,000943,400,000
  S&GA Expenses---------34,500,00027,200,00016,900,00032,450,00029,000,00020,400,00023,900,00023,200,00031,800,00057,300,00038,300,00041,200,00043,600,000
EBITDA Margin-1.1%1.011.02-------------------
Interest Expenses9.1%1,082,000,000992,000,0001,117,000,0001,129,500,0001,085,000,000978,000,000989,000,000932,000,000903,000,000815,000,000835,000,000112,500,000115,100,000127,700,000138,600,000141,600,000140,000,000143,500,000143,900,000144,700,000136,800,000
Income Taxes136.4%52,000,00022,000,000183,000,000-74,000,00055,000,0004,000,00091,000,0004,000,00053,000,00091,000,00099,000,00052,900,00042,600,0008,600,000-4,600,00037,000,00042,600,00051,400,00034,800,000110,700,00054,300,000
Earnings Before Taxes161.6%225,000,00086,000,000638,000,000-207,500,000189,000,00016,000,000302,000,00064,000,000259,000,000354,000,000367,000,000146,200,000175,900,00047,000,00025,400,000167,400,000164,200,000193,800,000213,000,000363,800,000343,000,000
EBT Margin3.4%0.140.14-------------------
Net Income256.3%171,000,00048,000,000455,000,000-133,500,000134,000,00012,000,000210,000,00017,500,000224,000,000274,000,000286,000,00012,000,000133,300,00038,400,00030,000,00097,500,000-107,600,000139,000,000149,100,000284,900,000296,500,000
Net Income Margin5.6%0.100.10-------------------
Free Cashflow83.4%629,000,000343,000,000-------------------
Balance Sheet
(In Millions)
Balance Sheet
(In Millions)
(*) denotes actual numbers (not divided by Millions)
Description(%) Q/Q2023Q32023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q42019Q32019Q22019Q12018Q42018Q3
Assets0.0%21,60821,60921,97025,40721,96021,81120,93821,74622,25721,81221,16322,54721,11322,86724,23526,49527,15830,74029,43330,38829,763
  Current Assets---------19,38718,90818,29519,63418,66120,64421,70424,11324,78428,27427,03624,71223,956
    Cash Equivalents1.7%3,3803,3253,6113,8913,5833,1112,9303,9232,9642,7882,6343,4633,7515,4514,7663,9585,0524,1553,8163,9683,970
  Inventory---------192162146164203194189218250244242248266
  Net PPE-1.2%160162180195204219220215292295296213252256263282287285290288610
  Goodwill---------1,3431,3591,3511,3709699449299559379609509553,857
Liabilities-0.7%18,74418,87319,25423,14219,56119,53618,67019,66020,01219,76519,39921,02519,79021,71323,14724,90725,66128,34827,19428,05627,472
  Current Liabilities---------12,93410,57010,74010,42210,74111,37810,75211,87211,81210,60710,59711,4849,959
  Long Term Debt-------------------5,7205,5875,677
Shareholder's Equity4.7%2,8642,7362,7162,2652,3992,2752,2682,0862,2462,0481,7641,5221,3231,1551,0881,5891,4972,3922,2402,3322,291
  Retained Earnings28.0%73557453793.00238114113-87.001315,3715,1084,8324,8304,7074,6795,1635,0965,2335,1285,0124,759
  Additional Paid-In Capital-1.2%2,1552,1812,1972,1922,1812,1742,1632,1742,1713,4433,4313,4273,2733,2683,2603,2583,2563,2603,1773,1723,149
Shares Outstanding-0.4%50.0050.0050.00-50.0050.0050.00-50.0050.0050.00-60.0060.0060.00-61.0064.0066.00-69.00
Cashflow (Last 12 Months)
(In Millions)
Cashflow (Quarterly)
Description(%) Q/Q2023Q32023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q42019Q32019Q22019Q12018Q42018Q3
Cashflow From Operations83.4%629,000,000343,000,000398,000,000497,000,000608,000,000246,000,000497,000,000335,000,000475,000,000216,000,000517,000,000394,400,000421,100,000495,000,000572,500,000-312,200,000440,500,000478,900,000610,800,000729,500,000703,600,000
  Share Based Compensation-23.1%10,000,00013,000,0009,000,0009,000,0008,000,0009,000,0007,000,0004,000,0009,000,0009,000,0007,000,0004,800,0005,300,0006,200,0004,700,000700,0003,000,00030,200,00021,100,00016,600,00017,900,000
Cashflow From Investing0%-281,000,000-281,000,0003,141,000,000-3,623,000,000-591,000,000-1,207,000,000310,000,000-2,072,000,000-154,000,000-474,000,0001,009,000,000-1,590,800,00024,800,0001,593,700,0001,746,300,000-789,500,0004,164,800,000-1,231,800,000717,500,000-1,011,300,000-624,500,000
Cashflow From Financing11.4%-304,000,000-343,000,000-3,834,000,0003,445,000,000-106,000,0001,024,000,000-1,096,000,0001,765,000,000208,000,000376,000,000-1,741,000,000897,300,000-2,152,700,000-1,408,200,000-1,503,400,0004,100,000-3,699,500,0001,086,400,000-1,483,000,000288,100,000363,000,000
  Dividend Payments0%11,000,00011,000,00011,000,00011,500,00010,000,00011,000,00010,000,00011,000,00010,000,00010,000,00011,000,00010,500,000-10,100,00030,300,00029,600,00030,400,00033,100,00033,900,000125,200,00031,200,000
  Buy Backs-------12,000,000--------100,000753,100,000-222,800,000246,200,000102,500,000

BFH Income Statement

2023-09-30
UNAUDITED CONSOLIDATED STATEMENTS OF INCOME - USD ($)
shares in Millions, $ in Millions
3 Months Ended9 Months Ended
Sep. 30, 2023
Sep. 30, 2022
Sep. 30, 2023
Sep. 30, 2022
Interest income    
Interest and fees on loans$ 1,256$ 1,195$ 3,697$ 3,325
Interest on cash and investment securities452313534
Total interest income1,3011,2183,8323,359
Interest expense    
Interest on deposits14366387142
Interest on borrowings7667254166
Total interest expense219133641308
Net interest income1,0821,0853,1913,051
Non-interest income    
Interchange revenue, net of retailer share arrangements(84)(136)(244)(333)
Gain on portfolio sale002300
Other33309675
Total non-interest income(51)(106)82(258)
Total net interest and non-interest income1,0319793,2732,793
Provision for credit losses304304747902
Total net interest and non-interest income, after provision for credit losses7276752,5261,891
Non-interest expenses    
Employee compensation and benefits210202647572
Card and processing expenses10482339248
Information processing and communication7375222192
Marketing expenses3644115124
Depreciation and amortization23299280
Other5654161167
Total non-interest expenses5024861,5761,383
Income from continuing operations before income taxes225189950508
Provision for income taxes5255257150
Income from continuing operations173134693358
(Loss) income from discontinued operations, net of income taxes[1](2)0(18)(1)
Net income$ 171$ 134$ 675$ 357
Basic income per share (Note 14)    
Income from continuing operations (in dollars per share)$ 3.47$ 2.69$ 13.85$ 7.17
(Loss) income from discontinued operations(in dollars per share)(0.03)0(0.37)(0.01)
Net income per share (in dollars per share)3.442.6913.487.16
Diluted income per share (Note 14)    
Income from continuing operations (in dollars per share)3.462.6913.807.16
(Loss) income from discontinued operations (in dollars per share)(0.04)0(0.36)(0.01)
Net income per share (in dollars per share)$ 3.42$ 2.69$ 13.44$ 7.15
Weighted average common shares outstanding (Note 14)    
Basic (in shares)49.949.850.049.9
Diluted (in shares)50.149.950.250.0
[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 and Basis of Presentation” to the unaudited Consolidated Financial Statements.

BFH Balance Sheet

2023-09-30
UNAUDITED CONSOLIDATED BALANCE SHEETS - USD ($)
$ in Millions
Sep. 30, 2023
Dec. 31, 2022
ASSETS  
Cash and cash equivalents$ 3,380$ 3,891
Credit card and other loans  
Total credit card and other loans (includes loans available to settle obligations of consolidated variable interest entities September 30, 2023, $12,100; December 31, 2022, $15,383, respectively)17,92221,365
Allowance for credit losses(2,207)(2,464)
Credit card and other loans, net15,71518,901
Investment securities240221
Property and equipment, net160195
Goodwill and intangible assets, net771799
Other assets1,3421,400
Total assets21,60825,407
LIABILITIES AND STOCKHOLDERS’ EQUITY  
Deposits13,26813,826
Debt issued by consolidated variable interest entities2,8486,115
Long-term and other debt1,3751,892
Other liabilities1,2531,309
Total liabilities18,74423,142
Commitments and contingencies (Note 10)
Stockholders’ equity  
Common stock, $0.01 par value; authorized, 200.0 million shares; issued, 49.3 million shares as of September 30, 2023 and 49.9 million shares as of December 31, 2022, respectively.11
Additional paid-in capital2,1552,192
Retained earnings73593
Accumulated other comprehensive loss(27)(21)
Total stockholders’ equity2,8642,265
Total liabilities and stockholders’ equity$ 21,608$ 25,407
BFH
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
 WEBSITEwww.breadfinancial.com
 EMPLOYEES7500

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 Dec 08 2023, market cap of Bread Financial Holdings, Inc. is 1.53 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. 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 Dec 08 2023, BFH's PE ratio (Price to Earnings) is 2.83 and Price to Sales (PS) ratio is 0.3. 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 -0.164 (multiply by 100 for percentage) rate of return.