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

35.38USD-0.15 (-0.42%)Delayed as of 25 Apr 2024, 10:44 am ET

Market Summary

USD35.38-0.15

Delayedas of 25 Apr 2024, 10:44 am

-0.42%

BFH Stock Price

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BFH RSI Chart

BFH Valuation

Market Cap

1.8B

Price/Earnings (Trailing)

2.45

Price/Sales (Trailing)

0.34

EV/EBITDA

-0.34

Price/Free Cashflow

0.88

BFH Price/Sales (Trailing)

BFH Profitability

Operating Margin

59.50%

EBT Margin

18.80%

Return on Equity

24.59%

Return on Assets

3.1%

Free Cashflow Yield

113.09%

BFH Fundamentals

BFH Revenue

Revenue (TTM)

5.1B

Rev. Growth (Yr)

-0.94%

Rev. Growth (Qtr)

0.88%

BFH Earnings

Earnings (TTM)

717.5M

Earnings Growth (Yr)

132.58%

Earnings Growth (Qtr)

-74.56%

Breaking Down BFH Revenue

52 Week Range

35.38

(Low)(High)

Last 7 days

10.3%

Last 30 days

-0.4%

Last 90 days

9.0%

Trailing 12 Months

31.6%

How does BFH drawdown profile look like?

BFH Financial Health

Current Ratio

1.5

Debt/Equity

0.93

Debt/Cashflow

0.73

BFH Investor Care

Dividend Yield

2.36%

Dividend/Share (TTM)

0.84

Buy Backs (1Y)

0.95%

Diluted EPS (TTM)

14.35

Historical Charts for Stock Metrics

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Net sales

Year	Q1	Q2	Q3	Q4
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

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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?

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Datesorted ascending	Fund Name	Type	% Chg	$ Change	$ Held	% Portfolio
Apr 23, 2024	Louisiana State Employees Retirement System	reduced	-1.21	95,038	908,656	0.02%
Apr 23, 2024	AMALGAMATED BANK	reduced	-15.08	-24,000	573,000	-%
Apr 23, 2024	FIFTH THIRD BANCORP	reduced	-41.44	-2,472	4,841	-%
Apr 22, 2024	Courant Investment Management LLC	unchanged	-	309,600	2,681,280	2.23%
Apr 22, 2024	MetLife Investment Management, LLC	unchanged	-	-33,474	875,117	0.01%
Apr 19, 2024	Red Tortoise LLC	unchanged	-	258	2,234	-%
Apr 19, 2024	Maryland State Retirement & Pension System	unchanged	-	-6,544	584,037	0.01%
Apr 19, 2024	DENALI ADVISORS LLC	reduced	-24.92	-763,982	4,289,080	1.26%
Apr 19, 2024	State of Alaska, Department of Revenue	reduced	-0.95	120,000	1,119,000	0.01%
Apr 18, 2024	FARMERS & MERCHANTS INVESTMENTS INC	unchanged	-	172	1,490	-%

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

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
Apr 17, 2024	4	Insider Trading
Apr 03, 2024	ARS	ARS
Apr 03, 2024	DEF 14A	DEF 14A
Apr 03, 2024	DEFA14A	DEFA14A
Mar 27, 2024	4	Insider Trading
Mar 27, 2024	4	Insider Trading
Mar 27, 2024	4	Insider Trading
Mar 27, 2024	4	Insider Trading
Mar 27, 2024	4	Insider Trading
Mar 13, 2024	8-K	Current Report

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	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Revenue	0.9%	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	1,465
Cost Of Revenue	-	-	-	-	-	-	-	-	-	-	489	495	498	603	483	493	499	705	688	655	641	698
Costs and Expenses	-	-	-	-	-	-	-	-	-	-	717	539	582	851	760	805	1,218	1,152	1,133	1,011	977	956
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	41.00
EBITDA Margin	3.4%	1.04*	1.01*	1.02*	1.02*	0.98*	1.06*	1.09*	1.18*	1.19*	0.99*	0.76*	0.50*	-	-	-	-	-	-	-	-	-
Interest Expenses	-0.6%	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	145
Income Taxes	-150.0%	-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	111
Earnings Before Taxes	-91.8%	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	364
EBT Margin	30.8%	0.19*	0.14*	0.14*	0.13*	0.06*	0.13*	0.15*	0.25*	0.27*	0.28*	0.26*	0.18*	-	-	-	-	-	-	-	-	-
Net Income	-74.6%	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	285
Net Income Margin	33.1%	0.14*	0.10*	0.10*	0.09*	0.05*	0.09*	0.11*	0.18*	0.21*	0.20*	0.18*	0.12*	-	-	-	-	-	-	-	-	-
Free Cashflow	-1.9%	617	629	343	398	497	608	246	497	335	475	216	517	-	-	-	-	-	-	-	-	-

Balance Sheet

(In Millions)

(*) denotes actual numbers (not divided by Millions)
Balance Sheet																					(In Millions)
Description	(%) Q/Q	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Assets	7.1%	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	30,388
Current Assets	-	-	-	-	-	-	-	-	-	-	19,387	18,908	18,295	19,634	18,661	20,644	21,704	24,113	24,784	28,274	27,036	24,712
Cash Equivalents	6.2%	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	3,968
Inventory	-	-	-	-	-	-	-	-	-	-	192	162	146	164	203	194	189	218	250	244	242	248
Net PPE	4.4%	167	160	162	180	195	204	219	220	215	292	295	296	213	252	256	263	282	287	285	290	288
Goodwill	-	-	-	-	-	-	-	-	-	-	1,343	1,359	1,351	1,370	969	944	929	955	937	960	950	955
Liabilities	7.9%	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	28,056
Current Liabilities	-	-	-	-	-	-	-	-	-	-	12,934	10,570	10,740	10,422	10,741	11,378	10,752	11,872	11,812	10,607	10,597	11,484
Long Term Debt	-	-	-	-	-	-	-	-	-	-	-	-	-	2,704	-	-	-	2,749	-	-	5,720	5,428
LT Debt, Non Current	-	-	-	-	-	-	-	-	-	-	-	-	-	2,704	-	-	-	2,749	-	-	-	5,428
Shareholder's Equity	1.9%	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	2,332
Retained Earnings	4.4%	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	5,012
Additional Paid-In Capital	0.6%	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	3,172
Accumulated Depreciation	-	343	-	-	-	287	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
Shares Outstanding	-0.2%	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	2023Q4	2023Q3	2023Q2	2023Q1	2022Q4	2022Q3	2022Q2	2022Q1	2021Q4	2021Q3	2021Q2	2021Q1	2020Q4	2020Q3	2020Q2	2020Q1	2019Q4	2019Q3	2019Q2	2019Q1	2018Q4
Cashflow From Operations	-1.9%	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	729,500
Share Based Compensation	20.0%	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	30,350
Cashflow From Investing	-537.4%	-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	-1,011,300
Cashflow From Financing	558.9%	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	288,100
Dividend Payments	-13.6%	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	125,200
Buy Backs	-	-	-	-	-	-	-	-	12,000	-	-	-	-	-	-	-	-	100	753,100	-	222,800	246,200

BFH Income Statement

2023-12-31

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

12 Months Ended

Dec. 31, 2023

Dec. 31, 2022

Dec. 31, 2021

Interest income

Interest and fees on loans

$ 4,961

$ 4,615

$ 3,861

Interest on cash and investment securities

184

Total interest income

5,145

4,684

3,868

Interest expense

Interest on deposits

541

243

167

Interest on borrowings

338

260

216

Total interest expense

879

503

383

Net interest income

4,266

4,181

3,485

Non-interest income

Interchange revenue, net of retailer share arrangements

(335)

(469)

(369)

Gain on portfolio sale

230

Other

128

114

146

Total non-interest income

(355)

(213)

Total net interest and non-interest income

4,289

3,826

3,272

Provision for credit losses

1,229

1,594

544

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

3,060

2,232

2,728

Non-interest expenses

Employee compensation and benefits

867

779

671

Card and processing expenses

428

359

323

Information processing and communication

301

274

216

Marketing expenses

161

180

160

Depreciation and amortization

116

113

Other

219

227

222

Total non-interest expenses

2,092

1,932

1,684

Income from continuing operations before income taxes

968

300

1,044

Provision for income taxes

231

247

Income from continuing operations

737

224

797

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

^[1]

(19)

(1)

Net income

$ 718

$ 223

$ 801

Basic income per share

Income from continuing operations (in dollars per share)

$ 14.79

$ 4.48

$ 16.02

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

(0.40)

(0.01)

0.07

Net income per share (in dollars per share)

14.39

4.47

16.09

Diluted income per share

Income from continuing operations (in dollars per share)

14.74

4.47

15.95

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

(0.40)

(0.01)

0.07

Net income per share (in dollars per share)

$ 14.34

$ 4.46

$ 16.02

Weighted average common shares outstanding

Basic (in shares)

49.8

49.9

49.7

Diluted (in shares)

50.0

[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, Basis of Presentation and Summary of Significant Accounting Policies” to the audited Consolidated Financial Statements.

BFH Balance Sheet

2023-12-31

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Millions	Dec. 31, 2023	Dec. 31, 2022
ASSETS
Cash and cash equivalents	$ 3,590	$ 3,891
Credit card and other loans
Total credit card and other loans (includes loans available to settle obligations of consolidated variable interest entities: 2023, $12,844; 2022, $15,383)	19,333	21,365
Allowance for credit losses	(2,328)	(2,464)
Credit card and other loans, net	17,005	18,901
Investments (Fair value: 2023, $217; 2022, $221)	253	221
Property and equipment (less accumulated depreciation and amortization: 2023, $343; 2022, $287)	167	195
Goodwill and intangible assets, net	762	799
Other assets	1,364	1,400
Total assets	23,141	25,407
LIABILITIES AND STOCKHOLDERS' EQUITY
Deposits	13,620	13,826
Debt issued by consolidated variable interest entities	3,898	6,115
Long-term and other debt	1,394	1,892
Other liabilities	1,311	1,309
Total liabilities	20,223	23,142
Commitments and contingencies (Note 15)
Stockholders’ equity
Common stock, $0.01 par value; authorized, 200.0 million shares; issued: 2023, 49.3 million shares; 2022, 49.9 million shares	1	1
Additional paid-in capital	2,169	2,192
Retained earnings	767	93
Accumulated other comprehensive loss	(19)	(21)
Total stockholders’ equity	2,918	2,265
Total liabilities and stockholders’ equity	$ 23,141	$ 25,407

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 Wed Apr 24 2024, market cap of Bread Financial Holdings, Inc. is 1.76 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 Wed Apr 24 2024, BFH's PE ratio (Price to Earnings) is 2.45 and Price to Sales (PS) ratio is 0.34. 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 -0.172 (multiply by 100 for percentage) rate of return.