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BFH

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

40.63USD+0.07 (+0.17%)Delayed as of 17 May 2024, 10:50 am ET

Market Summary

BFH
USD40.63+0.07
Delayedas of 17 May 2024, 10:50 am
0.17%

BFH Alerts

  • Big fall in earnings (Y/Y)

BFH Stock Price

View Fullscreen

BFH RSI Chart

BFH Valuation

Market Cap

2.0B

Price/Earnings (Trailing)

5.07

Price/Sales (Trailing)

0.4

EV/EBITDA

-0.37

Price/Free Cashflow

0.99

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

101.24%

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

52 Week Range

40.70
(Low)(High)

Last 7 days

0.8%

Last 30 days

20.9%

Last 90 days

9.0%

Trailing 12 Months

35.9%

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

2.07%

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
YearQ1Q2Q3Q4
20245.1B000
20235.0B5.1B5.2B5.1B
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
20102.5B2.6B2.7B2.8B
200902.1B2.2B2.4B
20080002.0B

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

Filter Transactions
Datesorted ascendingNameBuy/Sell$ ValueAvg. Price# SharesTitle
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

1–10 of 50

Which funds bought or sold BFH recently?

View All Details
Datesorted ascendingFund NameType% Chg$ Change$ Held% Portfolio
May 15, 2024
CITADEL ADVISORS LLC
reduced
-86.27
-7,032,120
1,291,860
-%
May 15, 2024
Teza Capital Management LLC
sold off
-100
-389,548
-
-%
May 15, 2024
Squarepoint Ops LLC
added
10.88
641,845
3,172,920
-%
May 15, 2024
QUADRANT CAPITAL GROUP LLC
unchanged
-
843
7,300
-%
May 15, 2024
Engineers Gate Manager LP
new
-
1,177,080
1,177,080
0.03%
May 15, 2024
BASSWOOD CAPITAL MANAGEMENT, L.L.C.
sold off
-100
-7,262,780
-
-%
May 15, 2024
AMUNDI
reduced
-84.48
-3,238,490
603,111
-%
May 15, 2024
JANUS HENDERSON GROUP PLC
unchanged
-
92,207
800,080
-%
May 15, 2024
ARISTEIA CAPITAL, L.L.C.
new
-
501,437
501,437
0.01%
May 15, 2024
PUBLIC EMPLOYEES RETIREMENT SYSTEM OF OHIO
new
-
1,545,570
1,545,570
0.01%

1–10 of 36

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 FiledName of FilerPercent of ClassNo. of SharesForm 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 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
Apr 03, 2024
DEFA14A
DEFA14A

Bread Financial Holdings, Inc. News

Latest updates
Defense World6 hours ago

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

Income Statement (Last 12 Months)
(In Millions)
Income Statement (Quarterly)
(In Millions)
(*) denotes actual numbers (not divided by Millions)
Description(%) Q/Q2024Q12023Q42023Q32023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q42019Q32019Q22019Q1
Revenue-5.0%1,2471,3131,3011,1971,3351,3251,2181,0731,0681,0179949159421,1101,0519791,3821,4611,4381,3491,334
Cost Of Revenue-----------489495498603483493499705688655641
Costs and Expenses-----------7175395828517608051,2181,1521,1331,011977
  S&GA Expenses-----------35.0027.0017.0032.0029.0020.0024.0023.0032.0057.0038.00
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%1,0521,0751,0829921,1171,1301,085978989932903815835113115128139142140144144
Income Taxes303.8%53.00-26.0052.0022.00183-74.0055.004.0091.004.0053.0091.0099.0053.0043.009.00-4.6037.0043.0051.0035.00
Earnings Before Taxes916.2%18819.0022586.00638-20718916.0030264.0025935436714617647.0025.00167164194213
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 Income208.0%13444.0017148.00455-13313412.0021018.0022427428612.0013338.0030.0098.00-107139149
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%447617629343398497608246497335475216---------
Balance Sheet
(In Millions)
Balance Sheet
(In Millions)
(*) denotes actual numbers (not divided by Millions)
Description(%) Q/Q2024Q12023Q42023Q32023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q42019Q32019Q22019Q1
Assets-3.6%22,29923,14121,60821,60921,97025,40721,96021,81120,93821,74622,25721,81221,16322,54721,11322,86724,23526,49527,15830,74029,433
  Current Assets-----------19,38718,90818,29519,63418,66120,64421,70424,11324,78428,27427,036
    Cash Equivalents6.1%3,8083,5903,3803,3253,6113,8913,5833,1112,9303,0462,9642,7882,6343,4633,7515,4514,7663,9585,0524,1553,816
  Inventory-----------192162146164203194189218250244242
  Net PPE-0.6%166167160162180195204219220215292295296213252256263282287285290
  Goodwill-----------1,3431,3591,3511,370969944929955937960950
Liabilities-4.7%19,26720,22318,74418,87319,25423,14219,56119,53618,67019,66020,01219,76519,39921,02519,79021,71323,14724,90725,66128,34827,194
  Current Liabilities-----------12,93410,57010,74010,42210,74111,37810,75211,87211,81210,60710,597
  Long Term Debt--------------2,704---2,749--5,720
    LT Debt, Non Current--------------2,704---2,749---
Shareholder's Equity3.9%3,0322,9182,8642,7362,7162,2652,3992,2752,2682,0862,2462,0481,7641,5221,3231,1551,0881,5891,4972,3922,240
  Retained Earnings16.0%89076773557453793.00238114113-87.001315,3715,1084,8324,8304,7074,6795,1635,0965,2335,128
  Additional Paid-In Capital-0.3%2,1632,1692,1552,1812,1972,1922,1812,1742,1632,1742,1713,4433,4313,4273,2733,2683,2603,2583,2563,2603,177
Accumulated Depreciation-100.0%-343---287---------------
Shares Outstanding-0.6%50.0050.0050.0050.0050.0050.0050.0050.0050.0050.0050.0050.00---------
Float----1,600---1,800---4,100---2,100---7,000-
Cashflow (Last 12 Months)
(In Thousands)
Cashflow (Quarterly)
(In Thousands)
(*) denotes actual numbers (not divided by Thousands)
Description(%) Q/Q2024Q12023Q42023Q32023Q22023Q12022Q42022Q32022Q22022Q12021Q42021Q32021Q22021Q12020Q42020Q32020Q22020Q12019Q42019Q32019Q22019Q1
Cashflow From Operations-27.6%447,000617,000629,000343,000398,000497,000608,000246,000497,000335,000475,000216,000517,000394,400421,100495,000572,500-312,200440,500478,900610,800
  Share Based Compensation25.0%15,00012,00010,00013,0009,0009,0008,0009,0007,0004,0009,0009,0007,0004,8005,3006,2004,70015,500-1003,70021,100
Cashflow From Investing140.2%720,000-1,791,000-281,000-281,0003,141,000-3,623,000-591,000-1,207,000310,000-2,072,000-154,000-474,0001,009,000-1,590,80024,8001,593,7001,746,300-789,5004,164,800-1,231,800717,500
Cashflow From Financing-169.9%-975,0001,395,000-304,000-343,000-3,834,0003,445,000-106,0001,024,000-1,096,0001,765,000208,000376,000-1,741,000897,300-2,152,700-1,408,200-1,503,4004,100-3,699,5001,086,400-1,483,000
  Dividend Payments15.8%11,0009,50011,00011,00011,00011,50010,00011,00010,00011,00010,00010,00011,00010,500-10,10030,30029,60030,40033,10033,900
  Buy Backs-11,000-------12,000--------100753,100-222,800
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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 securities5346
Total interest income1,3001,335
Interest expense  
Interest on deposits155117
Interest on borrowings93101
Total interest expense248218
Net interest income1,0521,117
Non-interest income  
Interchange revenue, net of retailer share arrangements(92)(87)
Gain on portfolio sale0230
Other3129
Total non-interest income(61)172
Total net interest and non-interest income9911,289
Provision for credit losses321107
Total net interest and non-interest income, after provision for credit losses6701,182
Non-interest expenses  
Employee compensation and benefits213220
Card and processing expenses86120
Information processing and communication7475
Marketing expenses2839
Depreciation and amortization2334
Other5856
Total non-interest expenses482544
Income from continuing operations before income taxes188638
Provision for income taxes53183
Income from continuing operations135455
(Loss) income from discontinued operations, net of income taxes[1](1)0
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)0
Net income per share (in dollars per share)2.719.10
Diluted income per share (Note 14)  
Income from continuing operations (in dollars per share)2.739.08
(Loss) income from discontinued operations (in dollars per share)(0.03)0
Net income per share (in dollars per share)$ 2.70$ 9.08
Weighted average common shares outstanding (Note 14)  
Basic (in shares)49.550.0
Diluted (in shares)49.750.1
[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)18,18519,333
Allowance for credit losses(2,255)(2,328)
Credit card and other loans, net15,93017,005
Investments (Fair value: March 31, 2024, $221; December 31, 2023, $217)258253
Property and equipment, net166167
Goodwill and intangible assets, net753762
Other assets1,4031,364
Total assets22,29923,141
LIABILITIES AND STOCKHOLDERS’ EQUITY  
Deposits13,32713,620
Debt issued by consolidated variable interest entities3,3583,898
Long-term and other debt1,2941,394
Other liabilities1,2881,311
Total liabilities19,26720,223
Commitments and contingencies (Note 10)
Stockholders’ equity  
Common stock, $0.01 par value; authorized, 200.0 million shares; issued, 49.6 million shares as of March 31, 2024 and 49.3 million shares as of December 31, 2023, respectively.11
Additional paid-in capital2,1632,169
Retained earnings890767
Accumulated other comprehensive loss(22)(19)
Total stockholders’ equity3,0322,918
Total liabilities and stockholders’ equity$ 22,299$ 23,141
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
 WEBSITEbreadfinancial.com
 INDUSTRYCredit Services
 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 Thu May 16 2024, market cap of Bread Financial Holdings, Inc. is 2.01 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 Thu May 16 2024, BFH's PE ratio (Price to Earnings) is 5.07 and Price to Sales (PS) ratio is 0.4. 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 -0.163 (multiply by 100 for percentage) rate of return.