Bread Financial Holdings, Inc. (NYSE:BFH)

Bread Financial Holdings, Inc. BFH

Financial Services - Financial - Credit Services - NYSE - US

Watchlist

$ 58.5

3.17 %

$ 2.91 B

Market Cap

9.17

P/E

1. INTRINSIC VALUE

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 approximately 130 private label and co-brand credit card programs, as well as through Bread partnerships to approximately 500 small-and medium-sized businesses merchants; 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 Bread BNPL (installment loans, 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.[ Read More ]

The intrinsic value of one BFH stock under the base case scenario is HIDDEN Compared to the current market price of 58.5 USD, Bread Financial Holdings, Inc. is HIDDEN

BFH Intrinsic Value
HIDDEN

SHOW

2. FUNDAMENTAL ANALYSIS

Price Chart BFH

FINANCIALS

Annual
Quarterly

3.06 B REVENUE

Growth Rates

1Year -20.93%

3Years -12.20%

5Years -11.59%

7Years -11.40%

10Years -3.39%

737 M OPERATING INCOME

Growth Rates

1Year -8.10%

3Years 23.16%

5Years -15.95%

7Years -7.43%

10Years -3.92%

718 M NET INCOME

Growth Rates

1Year 221.97%

3Years 49.78%

5Years -5.70%

7Years 4.79%

10Years 3.76%

1.99 B OPERATING CASH FLOW

Growth Rates

1Year 7.52%

3Years 1.81%

5Years -6.33%

7Years -0.71%

10Years 7.19%

788 M INVESTING CASH FLOW

Growth Rates

1Year 115.42%

3Years -23.70%

5Years 19.34%

7Years 11.88%

10Years 9.55%

-3.09 B FINANCING CASH FLOW

Growth Rates

1Year -94.46%

3Years 9.53%

5Years -20.44%

7Years -11.62%

10Years -18.33%

983 M REVENUE

Growth Rates

1Year -20.93%

3Years -12.20%

5Years -11.59%

7Years -11.40%

10Years -3.39%

62 M OPERATING INCOME

Growth Rates

1Year -8.10%

3Years 23.16%

5Years -15.95%

7Years -7.43%

10Years -3.92%

2 M NET INCOME

Growth Rates

1Year 221.97%

3Years 49.78%

5Years -5.70%

7Years 4.79%

10Years 3.76%

456 M OPERATING CASH FLOW

Growth Rates

1Year 7.52%

3Years 1.81%

5Years -6.33%

7Years -0.71%

10Years 7.19%

-569 M INVESTING CASH FLOW

Growth Rates

1Year 115.42%

3Years -23.70%

5Years 19.34%

7Years 11.88%

10Years 9.55%

-488 M FINANCING CASH FLOW

Growth Rates

1Year -94.46%

3Years 9.53%

5Years -20.44%

7Years -11.62%

10Years -18.33%

Balance Sheet Decomposition Bread Financial Holdings, Inc.

23.1 B ASSETS
20.2 B LIABILITIES

Current Assets	3.59 B
Cash & Short-Term Investments	3.59 B
Receivables	0
Other Current Assets	0
Non-Current Assets	929 M
Long-Term Investments	253 M
PP&E	265 M
Other Non-Current Assets	411 M

Current Liabilities	273 M
Accounts Payable	422 M
Short-Term Debt	0
Other Current Liabilities	-149 M
Non-Current Liabilities	20 B
Long-Term Debt	5.44 B
Other Non-Current Liabilities	14.5 B

EFFICIENCY

Earnings Waterfall Bread Financial Holdings, Inc.

Revenue	3.06 B
Cost Of Revenue	0
Gross Profit	3.06 B
Operating Expenses	161 M
Operating Income	737 M
Other Expenses	19 M
Net Income	718 M

RATIOS

100.00% GROSS MARGIN

Averages

1Year 100.00%

3Years 83.77%

5Years 66.21%

7Years 58.85%

10Years 50.92%

24.08% OPERATING MARGIN

Averages

1Year 24.08%

3Years 25.57%

5Years 20.25%

7Years 21.94%

10Years 21.16%

23.46% NET MARGIN

Averages

1Year 23.46%

3Years 17.90%

5Years 14.10%

7Years 13.96%

10Years 12.37%

24.61% ROE

Averages

1Year 24.61%

3Years 24.28%

5Years 25.51%

7Years 30.20%

10Years 29.31%

3.10% ROA

Averages

1Year 3.10%

3Years 2.55%

5Years 2.23%

7Years 2.41%

10Years 2.40%

6.83% ROIC

Averages

1Year 6.83%

3Years 10.05%

5Years 5.93%

7Years 6.14%

10Years 5.92%

FREE CASH FLOW ANALYSIS

Free Cash Flow Analysis Bread Financial Holdings, Inc.

Net Income	718 M
Depreciation & Amortization	116 M
Capital Expenditures	0
Stock-Based Compensation	44 M
Change in Working Capital	28 M
Others	1.18 B
Free Cash Flow	1.99 B

3. WALL STREET ANALYSTS ESTIMATES

Wall Street Analysts Price Targets Bread Financial Holdings, Inc.

Wall Street analysts predict an average 1-year price target for BFH of $48 , with forecasts ranging from a low of $35 to a high of $57 .

BFH Lowest Price Target Wall Street Target

35 USD -40.17%

BFH Average Price Target Wall Street Target

48 USD -17.95%

BFH Highest Price Target Wall Street Target

57 USD -2.56%

4. DIVIDEND ANALYSIS

0.42% DIVIDEND YIELD

0.21 USD DIVIDEND PER SHARE

5. COMPETITION

SLM Corporation, through its subsidiaries, originates and services private education loans to students and their families to finance the cost of their education in the United States.

-11 USD

SLM

Overvalued 145.03%

ORIX Corporation provides diversified financial services in Japan, the Americas, Asia, Europe, Australasia, the Middle East, and internationally. The company's Corporate Financial Services and Maintenance Leasing segment is involved in the finance and fee; leasing and rental of automobiles, electronic measuring instruments, and ICT-related equipment businesses; and provision of life insurance and environment and energy-related products and services.

71.9 USD

Overvalued 33.33%

FirstCash Holdings, Inc, together with its subsidiaries, operates retail pawn stores in the United States, Mexico, and rest of Latin America.

329 USD

FCFS

Undervalued 210.72%

Medallion Financial Corp., together with its subsidiaries, operates as a finance company in the United States. The company operates through four segments: Recreation Lending, Home Improvement Lending, Commercial Lending, and Medallion Lending.

49.9 USD

MFIN

Undervalued 423.86%

Oportun Financial Corporation provides financial services. It offers personal loans, auto loans, and credit cards. The company serves customers online and over-the-phone, as well as through retail locations.

10.7 USD

OPRT

Undervalued 245.57%

EZCORP, Inc. provides pawn loans in the United States and Latin America. It offers pawn loans collateralized by tangible personal property, jewelry, consumer electronics, tools, sporting goods, and musical instruments.

15.1 USD

EZPW

Undervalued 26.50%

Navient Corporation provides education loan management and business processing solutions for education, healthcare, and government clients at the federal, state, and local levels in the United States.

21.8 USD

NAVI

Undervalued 43.95%

Enova International, Inc., a technology and analytics company, provides online financial services in the United States, Brazil, Australia, and Canada. The company offers installment loans; line of credit accounts; receivables purchase agreements; CSO programs, including arranging loans with independent third-party lenders and assisting in the preparation of loan applications and loan documents; and bank programs, such as marketing services and loan servicing for near-prime unsecured consumer installment loan.

43.9 USD

ENVA

Overvalued 56.29%

SLM Corporation, through its subsidiaries, originates and services private education loans to students and their families to finance the cost of their education in the United States.

-6.99 USD

SLMBP

Overvalued 109.40%

Federal Agricultural Mortgage Corporation provides a secondary market for various loans made to borrowers in the United States. It operates through four segments: Farm & Ranch, USDA (United States Department of Agriculture) Guarantees, Rural Utilities, and Institutional Credit.

0 USD

AGM-A

Overvalued 100.00%

Discover Financial Services, through its subsidiaries, provides digital banking products and services, and payment services in the United States. It operates in two segments, Digital Banking and Payment Services.

136 USD

DFS

Overvalued 23.02%

Ally Financial Inc., a digital financial-services company, provides various digital financial products and services to consumer, commercial, and corporate customers primarily in the United States and Canada.

-29.6 USD

ALLY

Overvalued 181.78%

Synchrony Financial, together with its subsidiaries, operates as a consumer financial services company in the United States. It provides credit products, such as credit cards, commercial credit products, and consumer installment loans.

76 USD

SYF-PA

Undervalued 271.01%

The Western Union Company provides money movement and payment services worldwide. The company operates in two segments, Consumer-to-Consumer and Business Solutions.

24.3 USD

Undervalued 124.01%

6. Ownership

Insider Ownership Bread Financial Holdings, Inc.

Summary
Transactions

Sold

0-3 MONTHS

0 USD 0

3-6 MONTHS

0 USD 0

6-9 MONTHS

0 USD 0

9-12 MONTHS

27.9 M USD 1

Bought

51 K USD 1

0-3 MONTHS

99.6 K USD 1

3-6 MONTHS

0 USD 0

6-9 MONTHS

0 USD 0

9-12 MONTHS

Date	Value	Insider	Amount	Avg Price
2 weeks ago Oct 28, 2024	Bought 51 K USD	Fawcett John J. Director	+ 1000	51.02 USD
3 months ago Aug 12, 2024	Bought 99.6 K USD	Fawcett John J. Director	+ 2000	49.8219 USD
9 months ago Jan 29, 2024	Sell 1.24 M USD	Turtle Creek Asset Management Inc. 10 percent owner	- 34862	35.6138 USD
9 months ago Jan 29, 2024	Sell 139 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 3832	36.203 USD
9 months ago Jan 29, 2024	Sell 116 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 3253	35.6138 USD
9 months ago Jan 29, 2024	Sell 13 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 358	36.203 USD
9 months ago Jan 29, 2024	Sell 86.5 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 2428	35.6138 USD
9 months ago Jan 29, 2024	Sell 9.67 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 267	36.203 USD
9 months ago Jan 24, 2024	Sell 586 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 19120	30.6346 USD
9 months ago Jan 24, 2024	Sell 209 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 6676	31.3479 USD
9 months ago Jan 25, 2024	Sell 9.67 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 344	28.11 USD
9 months ago Jan 25, 2024	Sell 5.1 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 172	29.6243 USD
9 months ago Jan 25, 2024	Sell 31.6 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 1032	30.6171 USD
9 months ago Jan 25, 2024	Sell 127 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 4041	31.3912 USD
9 months ago Jan 25, 2024	Sell 658 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 20207	32.5757 USD
9 months ago Jan 26, 2024	Sell 916 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 25796	35.5278 USD
9 months ago Jan 24, 2024	Sell 54.7 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 1785	30.6346 USD
9 months ago Jan 24, 2024	Sell 19.5 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 623	31.3479 USD
9 months ago Jan 25, 2024	Sell 900 USD	Turtle Creek Asset Management Inc. 10 percent owner	- 32	28.11 USD
9 months ago Jan 25, 2024	Sell 474 USD	Turtle Creek Asset Management Inc. 10 percent owner	- 16	29.6243 USD
9 months ago Jan 25, 2024	Sell 2.94 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 96	30.6171 USD
9 months ago Jan 25, 2024	Sell 11.8 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 377	31.3912 USD
9 months ago Jan 25, 2024	Sell 61.4 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 1886	32.5757 USD
9 months ago Jan 26, 2024	Sell 85.6 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 2408	35.5278 USD
9 months ago Jan 24, 2024	Sell 40.8 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 1331	30.6346 USD
9 months ago Jan 24, 2024	Sell 14.6 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 465	31.3479 USD
9 months ago Jan 25, 2024	Sell 675 USD	Turtle Creek Asset Management Inc. 10 percent owner	- 24	28.11 USD
9 months ago Jan 25, 2024	Sell 355 USD	Turtle Creek Asset Management Inc. 10 percent owner	- 12	29.6243 USD
9 months ago Jan 25, 2024	Sell 2.2 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 72	30.6171 USD
9 months ago Jan 25, 2024	Sell 8.85 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 282	31.3912 USD
9 months ago Jan 25, 2024	Sell 45.8 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 1407	32.5757 USD
9 months ago Jan 26, 2024	Sell 63.8 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 1796	35.5278 USD
9 months ago Jan 19, 2024	Sell 474 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 15978	29.6372 USD
9 months ago Jan 19, 2024	Sell 297 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 9817	30.2235 USD
9 months ago Jan 22, 2024	Sell 797 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 25796	30.8818 USD
9 months ago Jan 23, 2024	Sell 803 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 25795	31.116 USD
9 months ago Jan 19, 2024	Sell 44.2 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 1492	29.6372 USD
9 months ago Jan 19, 2024	Sell 27.7 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 916	30.2235 USD
9 months ago Jan 22, 2024	Sell 74.4 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 2408	30.8818 USD
9 months ago Jan 23, 2024	Sell 74.9 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 2408	31.116 USD
9 months ago Jan 19, 2024	Sell 33 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 1113	29.6372 USD
9 months ago Jan 19, 2024	Sell 20.7 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 684	30.2235 USD
9 months ago Jan 22, 2024	Sell 55.5 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 1796	30.8818 USD
9 months ago Jan 23, 2024	Sell 55.9 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 1797	31.116 USD
10 months ago Jan 16, 2024	Sell 798 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 25795	30.9397 USD
10 months ago Jan 17, 2024	Sell 779 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 25795	30.2023 USD
9 months ago Jan 18, 2024	Sell 758 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 25795	29.3772 USD
10 months ago Jan 16, 2024	Sell 74.5 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 2408	30.9397 USD
10 months ago Jan 17, 2024	Sell 72.7 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 2408	30.2023 USD
9 months ago Jan 18, 2024	Sell 70.7 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 2408	29.3772 USD
10 months ago Jan 16, 2024	Sell 55.6 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 1797	30.9397 USD
10 months ago Jan 17, 2024	Sell 54.3 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 1797	30.2023 USD
9 months ago Jan 18, 2024	Sell 52.8 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 1797	29.3772 USD
10 months ago Jan 10, 2024	Sell 698 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 21497	32.4634 USD
10 months ago Jan 11, 2024	Sell 697 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 21496	32.4378 USD
10 months ago Jan 12, 2024	Sell 590 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 18659	31.6121 USD
10 months ago Jan 12, 2024	Sell 93 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 2838	32.777 USD
10 months ago Jan 10, 2024	Sell 65.1 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 2006	32.4634 USD
10 months ago Jan 11, 2024	Sell 65.1 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 2007	32.4378 USD
10 months ago Jan 12, 2024	Sell 55 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 1741	31.6121 USD
10 months ago Jan 12, 2024	Sell 8.69 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 265	32.777 USD
10 months ago Jan 10, 2024	Sell 48.6 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 1497	32.4634 USD
10 months ago Jan 11, 2024	Sell 48.6 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 1497	32.4378 USD
10 months ago Jan 12, 2024	Sell 41.1 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 1300	31.6121 USD
10 months ago Jan 12, 2024	Sell 6.46 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 197	32.777 USD
10 months ago Jan 05, 2024	Sell 245 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 7611	32.1748 USD
10 months ago Jan 05, 2024	Sell 452 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 13886	32.5258 USD
10 months ago Jan 09, 2024	Sell 985 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 30095	32.7325 USD
10 months ago Jan 05, 2024	Sell 22.8 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 710	32.1748 USD
10 months ago Jan 05, 2024	Sell 42.2 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 1296	32.5258 USD
10 months ago Jan 09, 2024	Sell 91.9 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 2809	32.7325 USD
10 months ago Jan 05, 2024	Sell 17.1 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 530	32.1748 USD
10 months ago Jan 05, 2024	Sell 31.5 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 967	32.5258 USD
10 months ago Jan 09, 2024	Sell 68.6 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 2096	32.7325 USD
10 months ago Jan 02, 2024	Sell 567 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 17166	33.0555 USD
10 months ago Jan 02, 2024	Sell 145 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 4331	33.5565 USD
10 months ago Jan 03, 2024	Sell 687 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 21428	32.0542 USD
10 months ago Jan 03, 2024	Sell 2.24 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 69	32.49 USD
10 months ago Jan 04, 2024	Sell 679 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 21497	31.5655 USD
10 months ago Jan 02, 2024	Sell 53 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 1602	33.0555 USD
10 months ago Jan 02, 2024	Sell 13.6 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 404	33.5565 USD
10 months ago Jan 03, 2024	Sell 64.1 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 2000	32.0542 USD
10 months ago Jan 03, 2024	Sell 195 USD	Turtle Creek Asset Management Inc. 10 percent owner	- 6	32.49 USD
10 months ago Jan 04, 2024	Sell 63.3 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 2006	31.5655 USD
10 months ago Jan 02, 2024	Sell 39.5 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 1195	33.0555 USD
10 months ago Jan 02, 2024	Sell 10.1 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 302	33.5565 USD
10 months ago Jan 03, 2024	Sell 47.8 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 1492	32.0542 USD
10 months ago Jan 03, 2024	Sell 162 USD	Turtle Creek Asset Management Inc. 10 percent owner	- 5	32.49 USD
10 months ago Jan 04, 2024	Sell 47.3 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 1497	31.5655 USD
10 months ago Dec 27, 2023	Sell 577 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 17197	33.5524 USD
10 months ago Dec 28, 2023	Sell 576 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 17197	33.5202 USD
10 months ago Dec 29, 2023	Sell 285 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 8598	33.1022 USD
10 months ago Dec 27, 2023	Sell 53.9 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 1605	33.5524 USD
10 months ago Dec 28, 2023	Sell 53.8 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 1605	33.5202 USD
10 months ago Dec 29, 2023	Sell 26.6 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 803	33.1022 USD
10 months ago Dec 27, 2023	Sell 40.2 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 1198	33.5524 USD
10 months ago Dec 28, 2023	Sell 40.2 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 1198	33.5202 USD
10 months ago Dec 29, 2023	Sell 19.8 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 599	33.1022 USD
10 months ago Dec 21, 2023	Sell 554 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 16413	33.7678 USD
10 months ago Dec 21, 2023	Sell 173 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 5084	34.0888 USD
10 months ago Dec 22, 2023	Sell 725 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 21497	33.7287 USD
10 months ago Dec 21, 2023	Sell 51.7 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 1532	33.7678 USD
10 months ago Dec 21, 2023	Sell 16.2 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 474	34.0888 USD
10 months ago Dec 22, 2023	Sell 67.7 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 2006	33.7287 USD
10 months ago Dec 21, 2023	Sell 38.6 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 1143	33.7678 USD
10 months ago Dec 21, 2023	Sell 12.1 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 354	34.0888 USD
10 months ago Dec 22, 2023	Sell 50.5 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 1497	33.7287 USD
11 months ago Dec 18, 2023	Sell 600 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 18057	33.244 USD
10 months ago Dec 20, 2023	Sell 306 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 9319	32.824 USD
10 months ago Dec 20, 2023	Sell 411 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 12178	33.7388 USD
11 months ago Dec 18, 2023	Sell 56 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 1685	33.244 USD
10 months ago Dec 20, 2023	Sell 28.6 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 870	32.824 USD
10 months ago Dec 20, 2023	Sell 38.3 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 1136	33.7388 USD
11 months ago Dec 18, 2023	Sell 41.8 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 1258	33.244 USD
10 months ago Dec 20, 2023	Sell 21.3 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 649	32.824 USD
10 months ago Dec 20, 2023	Sell 28.6 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 848	33.7388 USD
11 months ago Dec 13, 2023	Sell 271 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 8831	30.6878 USD
11 months ago Dec 13, 2023	Sell 25.9 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 823	31.4629 USD
11 months ago Dec 13, 2023	Sell 178 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 5400	32.8712 USD
11 months ago Dec 13, 2023	Sell 14.1 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 423	33.2932 USD
11 months ago Dec 14, 2023	Sell 293 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 8603	34.1014 USD
11 months ago Dec 14, 2023	Sell 240 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 6874	34.8738 USD
11 months ago Dec 15, 2023	Sell 514 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 15395	33.4016 USD
11 months ago Dec 15, 2023	Sell 2.8 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 82	34.1667 USD
11 months ago Dec 13, 2023	Sell 25.3 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 825	30.6878 USD
11 months ago Dec 13, 2023	Sell 2.42 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 77	31.4629 USD
11 months ago Dec 13, 2023	Sell 16.6 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 504	32.8712 USD
11 months ago Dec 13, 2023	Sell 1.3 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 39	33.2932 USD
11 months ago Dec 14, 2023	Sell 27.4 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 803	34.1014 USD
11 months ago Dec 14, 2023	Sell 22.4 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 642	34.8738 USD
11 months ago Dec 15, 2023	Sell 48 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 1437	33.4016 USD
11 months ago Dec 15, 2023	Sell 273 USD	Turtle Creek Asset Management Inc. 10 percent owner	- 8	34.1667 USD
11 months ago Dec 13, 2023	Sell 18.9 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 615	30.6878 USD
11 months ago Dec 13, 2023	Sell 1.79 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 57	31.4629 USD
11 months ago Dec 13, 2023	Sell 12.4 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 376	32.8712 USD
11 months ago Dec 13, 2023	Sell 999 USD	Turtle Creek Asset Management Inc. 10 percent owner	- 30	33.2932 USD
11 months ago Dec 14, 2023	Sell 20.4 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 599	34.1014 USD
11 months ago Dec 14, 2023	Sell 16.7 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 479	34.8738 USD
11 months ago Dec 15, 2023	Sell 35.8 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 1072	33.4016 USD
11 months ago Dec 15, 2023	Sell 205 USD	Turtle Creek Asset Management Inc. 10 percent owner	- 6	34.1667 USD
11 months ago Dec 08, 2023	Sell 664 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 21497	30.8651 USD
11 months ago Dec 11, 2023	Sell 657 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 21152	31.0622 USD
11 months ago Dec 11, 2023	Sell 10.8 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 345	31.4163 USD
11 months ago Dec 12, 2023	Sell 546 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 17197	31.7513 USD
11 months ago Dec 08, 2023	Sell 61.9 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 2006	30.8651 USD
11 months ago Dec 11, 2023	Sell 61.3 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 1974	31.0622 USD
11 months ago Dec 11, 2023	Sell 1.01 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 32	31.4163 USD
11 months ago Dec 12, 2023	Sell 51 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 1605	31.7513 USD
11 months ago Dec 08, 2023	Sell 46.2 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 1497	30.8651 USD
11 months ago Dec 11, 2023	Sell 45.8 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 1473	31.0622 USD
11 months ago Dec 11, 2023	Sell 754 USD	Turtle Creek Asset Management Inc. 10 percent owner	- 24	31.4163 USD
11 months ago Dec 12, 2023	Sell 38 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 1198	31.7513 USD
11 months ago Dec 05, 2023	Sell 498 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 17197	28.9791 USD
11 months ago Dec 06, 2023	Sell 765 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 25795	29.6459 USD
11 months ago Dec 07, 2023	Sell 594 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 19486	30.4699 USD
11 months ago Dec 07, 2023	Sell 62.2 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 2011	30.9475 USD
11 months ago Dec 05, 2023	Sell 46.5 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 1605	28.9791 USD
11 months ago Dec 06, 2023	Sell 71.4 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 2408	29.6459 USD
11 months ago Dec 07, 2023	Sell 55.4 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 1818	30.4699 USD
11 months ago Dec 07, 2023	Sell 5.82 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 188	30.9475 USD
11 months ago Dec 05, 2023	Sell 34.7 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 1198	28.9791 USD
11 months ago Dec 06, 2023	Sell 53.3 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 1797	29.6459 USD
11 months ago Dec 07, 2023	Sell 41.3 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 1357	30.4699 USD
11 months ago Dec 07, 2023	Sell 4.33 K USD	Turtle Creek Asset Management Inc. 10 percent owner	- 140	30.9475 USD
1 year ago Jul 31, 2023	Bought 100 K USD	BALLOU ROGER H Director	+ 2400	41.78 USD
1 year ago May 30, 2023	Bought 12 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 400	29.885 USD
1 year ago May 24, 2023	Bought 403 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 13657	29.4986 USD
1 year ago May 24, 2023	Bought 39.6 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 1343	29.4986 USD
1 year ago May 19, 2023	Bought 158 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 5327	29.7378 USD
1 year ago May 18, 2023	Bought 85.1 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 2863	29.7292 USD
1 year ago May 17, 2023	Bought 2.17 M USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 72556	29.8882 USD
1 year ago May 17, 2023	Bought 538 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 18497	29.0757 USD
1 year ago May 17, 2023	Bought 86.7 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 3014	28.7741 USD
1 year ago May 19, 2023	Bought 15.6 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 523	29.7378 USD
1 year ago May 18, 2023	Bought 8.35 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 281	29.7292 USD
1 year ago May 17, 2023	Bought 213 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 7130	29.8882 USD
1 year ago May 17, 2023	Bought 52.8 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 1817	29.0757 USD
1 year ago May 17, 2023	Bought 8.34 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 290	28.7741 USD
1 year ago May 17, 2023	Bought 5.01 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 174	28.7741 USD
1 year ago May 17, 2023	Bought 13.4 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 450	29.84 USD
1 year ago May 17, 2023	Bought 575 USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 20	28.7741 USD
1 year ago May 17, 2023	Bought 57.5 USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 2	28.7741 USD
1 year ago May 16, 2023	Bought 599 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 21525	27.8146 USD
1 year ago May 15, 2023	Bought 1.17 M USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 41603	28.1908 USD
1 year ago May 15, 2023	Bought 1.57 M USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 56526	27.7002 USD
1 year ago May 12, 2023	Bought 1.62 M USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 61154	26.5297 USD
1 year ago May 16, 2023	Bought 57.6 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 2072	27.8146 USD
1 year ago May 15, 2023	Bought 113 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 4005	28.1908 USD
1 year ago May 15, 2023	Bought 151 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 5442	27.7002 USD
1 year ago May 12, 2023	Bought 156 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 5887	26.5297 USD
1 year ago May 16, 2023	Bought 34.6 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 1243	27.8146 USD
1 year ago May 15, 2023	Bought 67.7 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 2403	28.1908 USD
1 year ago May 15, 2023	Bought 90.4 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 3265	27.7002 USD
1 year ago May 12, 2023	Bought 93.7 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 3532	26.5297 USD
1 year ago May 16, 2023	Bought 3.95 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 142	27.8146 USD
1 year ago May 15, 2023	Bought 7.75 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 275	28.1908 USD
1 year ago May 15, 2023	Bought 10.3 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 373	27.7002 USD
1 year ago May 12, 2023	Bought 10.7 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 404	26.5297 USD
1 year ago May 16, 2023	Bought 501 USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 18	27.8146 USD
1 year ago May 15, 2023	Bought 958 USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 34	28.1908 USD
1 year ago May 15, 2023	Bought 1.3 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 47	27.7002 USD
1 year ago May 12, 2023	Bought 1.33 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 50	26.5297 USD
1 year ago May 11, 2023	Bought 1.13 M USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 43049	26.1726 USD
1 year ago May 10, 2023	Bought 39.2 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 1464	26.7795 USD
1 year ago May 10, 2023	Bought 1.64 M USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 63110	26.0504 USD
1 year ago May 09, 2023	Bought 511 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 19351	26.3904 USD
1 year ago May 09, 2023	Bought 948 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 36613	25.9024 USD
1 year ago May 11, 2023	Bought 108 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 4144	26.1726 USD
1 year ago May 10, 2023	Bought 3.78 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 141	26.7795 USD
1 year ago May 10, 2023	Bought 158 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 6076	26.0504 USD
1 year ago May 09, 2023	Bought 49.2 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 1863	26.3904 USD
1 year ago May 09, 2023	Bought 91.3 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 3525	25.9024 USD
1 year ago May 11, 2023	Bought 65.1 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 2487	26.1726 USD
1 year ago May 10, 2023	Bought 2.28 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 85	26.7795 USD
1 year ago May 10, 2023	Bought 95 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 3645	26.0504 USD
1 year ago May 09, 2023	Bought 29.5 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 1118	26.3904 USD
1 year ago May 09, 2023	Bought 54.8 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 2115	25.9024 USD
1 year ago May 11, 2023	Bought 7.43 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 284	26.1726 USD
1 year ago May 10, 2023	Bought 268 USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 10	26.7795 USD
1 year ago May 10, 2023	Bought 10.8 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 416	26.0504 USD
1 year ago May 09, 2023	Bought 3.38 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 128	26.3904 USD
1 year ago May 09, 2023	Bought 6.24 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 241	25.9024 USD
1 year ago May 11, 2023	Bought 942 USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 36	26.1726 USD
1 year ago May 10, 2023	Bought 26.8 USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 1	26.7795 USD
1 year ago May 10, 2023	Bought 1.35 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 52	26.0504 USD
1 year ago May 09, 2023	Bought 422 USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 16	26.3904 USD
1 year ago May 09, 2023	Bought 777 USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 30	25.9024 USD
1 year ago May 08, 2023	Bought 3.25 M USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 129148	25.1695 USD
1 year ago May 05, 2023	Bought 1.58 M USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 63632	24.8217 USD
1 year ago May 04, 2023	Bought 689 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 29029	23.7194 USD
1 year ago May 08, 2023	Bought 313 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 12433	25.1695 USD
1 year ago May 05, 2023	Bought 152 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 6126	24.8217 USD
1 year ago May 04, 2023	Bought 66.2 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 2792	23.7194 USD
1 year ago May 08, 2023	Bought 188 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 7460	25.1695 USD
1 year ago May 05, 2023	Bought 91.2 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 3676	24.8217 USD
1 year ago May 04, 2023	Bought 39.7 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 1675	23.7194 USD
1 year ago May 08, 2023	Bought 21.5 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 853	25.1695 USD
1 year ago May 05, 2023	Bought 10.4 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 420	24.8217 USD
1 year ago May 04, 2023	Bought 4.53 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 191	23.7194 USD
1 year ago May 08, 2023	Bought 2.67 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 106	25.1695 USD
1 year ago May 05, 2023	Bought 1.32 K USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 53	24.8217 USD
1 year ago May 04, 2023	Bought 569 USD	Turtle Creek Asset Management Inc. 10 percent owner	+ 24	23.7194 USD
2 years ago Aug 08, 2022	Bought 98.9 K USD	THERIAULT TIMOTHY J director:	+ 2500	39.5614 USD
2 years ago Aug 08, 2022	Bought 120 K USD	Beberman Perry S EVP, Chief Financial Officer	+ 3000	39.84 USD
2 years ago Aug 09, 2022	Bought 113 K USD	Greer Valerie E EVP, Chief Comm'l Officer	+ 3000	37.75 USD
2 years ago Aug 08, 2022	Bought 150 K USD	Andretta Ralph J President and CEO	+ 3773	39.7039 USD
2 years ago Aug 08, 2022	Bought 99.7 K USD	BALLOU ROGER H director:	+ 2550	39.1131 USD
2 years ago Aug 05, 2022	Bought 193 K USD	Gerspach John C director:	+ 5000	38.5383 USD
3 years ago May 06, 2021	Sell 145 K USD	Santillan Laura SVP, Chief Acctg. Officer	- 1162	125 USD
3 years ago Mar 01, 2021	Sell 170 K USD	Santillan Laura SVP, Chief Acctg. Officer	- 1703	100 USD
3 years ago Mar 01, 2021	Sell 100 K USD	Chesnut John Jeffrey SVP and Treasurer	- 1000	100 USD
3 years ago Feb 01, 2021	Bought 411 K USD	Gerspach John C Director	+ 6000	68.4588 USD
3 years ago Nov 24, 2020	Sell 75 K USD	Chesnut John Jeffrey SVP and Treasurer	- 1000	75 USD
4 years ago Jun 12, 2020	Bought 258 K USD	Gerspach John C Director	+ 5000	51.51 USD
4 years ago Apr 27, 2020	Bought 63.3 K USD	THERIAULT TIMOTHY J Director	+ 1500	42.19 USD
4 years ago Mar 23, 2020	Bought 52 K USD	TURNEY SHAREN J Director	+ 1725	30.1635 USD
4 years ago Mar 23, 2020	Bought 115 K USD	Tucker Laurie Anne Director	+ 4000	28.805 USD
4 years ago Mar 23, 2020	Bought 67.5 K USD	BALLOU ROGER H Director	+ 2300	29.3439 USD
4 years ago Mar 23, 2020	Bought 34.5 K USD	BALLOU ROGER H Director	+ 1200	28.7542 USD
4 years ago Mar 20, 2020	Bought 291 K USD	ANDERSON BRUCE K Director	+ 10000	29.06 USD
4 years ago Mar 19, 2020	Bought 45 K USD	Santillan Laura SVP, Chief Acctg. Officer	+ 2000	22.5 USD
4 years ago Mar 19, 2020	Bought 22.8 K USD	Santillan Laura SVP, Chief Acctg. Officer	+ 1000	22.8 USD
4 years ago Mar 20, 2020	Bought 290 K USD	MINICUCCI ROBERT A Director	+ 10000	28.9853 USD
4 years ago Mar 20, 2020	Bought 192 K USD	JENSEN KENNETH R Director	+ 6630	28.9317 USD
4 years ago Feb 18, 2020	Sell 124 K USD	King Timothy P EVP & Chief Financial Officer	- 1232	100.95 USD
4 years ago Feb 19, 2020	Sell 154 K USD	King Timothy P EVP & Chief Financial Officer	- 1522	100.91 USD
5 years ago Oct 28, 2019	Sell 203 M USD	ValueAct Holdings, L.P. 10 percent owner	- 2000000	101.5 USD
5 years ago Oct 29, 2019	Sell 187 M USD	ValueAct Holdings, L.P. 10 percent owner	- 1830000	102 USD
5 years ago Jul 30, 2019	Sell 406 K USD	King Timothy P EVP & Chief Financial Officer	- 2600	156.296 USD
5 years ago Nov 28, 2018	Sell 24.9 M USD	ValueAct Holdings, L.P. Director	- 125000	199.1 USD
5 years ago Nov 29, 2018	Sell 14.8 M USD	ValueAct Holdings, L.P. Director	- 75000	197.76 USD
6 years ago Nov 06, 2018	Sell 135 M USD	ValueAct Holdings, L.P. Director	- 675000	200 USD
6 years ago Aug 14, 2018	Sell 793 K USD	Pearson Bryan A EVP & President, LoyaltyOne	- 3424	231.668 USD
6 years ago Jul 24, 2018	Sell 793 K USD	HORN CHARLES L EVP & Chief Financial Officer	- 3431	231.249 USD
6 years ago Jul 24, 2018	Sell 1.69 M USD	HORN CHARLES L EVP & Chief Financial Officer	- 7286	232.16 USD
6 years ago Jul 24, 2018	Sell 521 K USD	HORN CHARLES L EVP & Chief Financial Officer	- 2234	233.13 USD
6 years ago Jul 24, 2018	Sell 351 K USD	HORN CHARLES L EVP & Chief Financial Officer	- 1500	234.266 USD
6 years ago Jul 24, 2018	Sell 372 K USD	HORN CHARLES L EVP & Chief Financial Officer	- 1584	235.005 USD
6 years ago May 15, 2018	Bought 542 K USD	ValueAct Holdings, L.P. director, 10 percent owner:	+ 2646	205 USD
6 years ago May 09, 2018	Bought 15.7 M USD	ValueAct Holdings, L.P. director, 10 percent owner:	+ 77600	202.65 USD
6 years ago May 08, 2018	Bought 25.2 M USD	ValueAct Holdings, L.P. director, 10 percent owner:	+ 125000	201.27 USD
6 years ago Feb 26, 2018	Sell 1.26 M USD	Miller Melisa A EVP & Pres, Card Services	- 5166	244.828 USD
6 years ago Feb 26, 2018	Sell 1.74 M USD	Miller Melisa A EVP & Pres, Card Services	- 7080	245.282 USD
6 years ago Feb 16, 2018	Sell 365 K USD	HEFFERNAN EDWARD J President and CEO	- 1500	243.061 USD
6 years ago Feb 16, 2018	Sell 756 K USD	HEFFERNAN EDWARD J President and CEO	- 3099	243.999 USD
6 years ago Feb 16, 2018	Sell 2.94 M USD	HEFFERNAN EDWARD J President and CEO	- 12001	244.91 USD
6 years ago Feb 16, 2018	Sell 1.08 M USD	HEFFERNAN EDWARD J President and CEO	- 4400	245.801 USD

7. News

Bread Financial Provides Performance Update for October 2024 COLUMBUS, Ohio, Nov. 14, 2024 (GLOBE NEWSWIRE) -- Bread Financial® Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions, provided a performance update. The following tables present the Company's net loss rate and delinquency rate for the periods indicated. globenewswire.com - 2 days ago

Bread Financial to Participate in KBW's Fintech & Payments Conference COLUMBUS, Ohio, Nov. 07, 2024 (GLOBE NEWSWIRE) -- Bread Financial Holdings, Inc. ® (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions, today announced the company's participation in KBW's Fintech & Payments Conference on Thursday, Nov. 14. globenewswire.com - 1 week ago

Bread Financial Q3 Earnings Miss Estimates, Revenues Beat Bread Financial's third-quarter results reflect a drop in credit sales but average loans slightly improve on growth in co-brand programs. zacks.com - 3 weeks ago

Bread Financial Holdings, Inc. (BFH) Q3 2024 Earnings Call Transcript Bread Financial Holdings, Inc. (NYSE:BFH ) Q3 2024 Earnings Conference Call October 24, 2024 8:30 AM ET Company Participants Brian Vereb - Head, Investor Relations Ralph Andretta - President & Chief Executive Officer Perry Beberman - Executive Vice President & Chief Financial Officer Conference Call Participants Mihir Bhatia - Bank of America Sanjay Sakhrani - KBW Vincent Caintic - BTIG Jeff Adelson - Morgan Stanley Bill Carcache - Wolfe Research Securities David Rochester - Compass Point Research & Trading John Pancari - Evercore ISI Reggie Smith - JPM Jon Arfstrom - RBC Capital Markets Operator Good morning, and welcome to Bread Financial's Third Quarter 2024 Earnings Conference Call. My name is Michelle, and I'll be coordinating your call today. seekingalpha.com - 3 weeks ago

Here's What Key Metrics Tell Us About Bread Financial (BFH) Q3 Earnings Although the revenue and EPS for Bread Financial (BFH) give a sense of how its business performed in the quarter ended September 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers. zacks.com - 3 weeks ago

Bread Financial Holdings (BFH) Lags Q3 Earnings Estimates Bread Financial Holdings (BFH) came out with quarterly earnings of $1.84 per share, missing the Zacks Consensus Estimate of $1.88 per share. This compares to earnings of $3.46 per share a year ago. zacks.com - 3 weeks ago

Bread Financial Provides Performance Update for September 2024 COLUMBUS, Ohio, Oct. 24, 2024 (GLOBE NEWSWIRE) -- Bread Financial Holdings, Inc. ® (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions, provided a performance update. The following tables present the Company's net loss rate and delinquency rate for the periods indicated. globenewswire.com - 3 weeks ago

Bread Financial Reports Third Quarter 2024 Results COLUMBUS, Ohio, Oct. 24, 2024 (GLOBE NEWSWIRE) -- Bread Financial Holdings, Inc. ® (NYSE: BFH), a tech-forward financial services company that provides simple, flexible payment, lending and saving solutions, today announced its third quarter 2024 financial results. All earnings-related materials are now available at the company's investor relations website, here . globenewswire.com - 3 weeks ago

Bread Financial Declares Dividend on Common Stock COLUMBUS, Ohio, Oct. 24, 2024 (GLOBE NEWSWIRE) -- Bread Financial Holdings, Inc.® (NYSE: BFH), a tech-forward financial services company that provides simple, flexible payment, lending and saving solutions, today announced that its Board of Directors declared a quarterly cash dividend of $0.21 per share on the Company's common stock, payable on December 13, 2024 to stockholders of record at the close of business on November 8, 2024. globenewswire.com - 3 weeks ago

Analysts Estimate Bread Financial Holdings (BFH) to Report a Decline in Earnings: What to Look Out for Bread Financial (BFH) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations. zacks.com - 1 month ago

Bread Financial Schedules Third Quarter 2024 Earnings Conference Call for Oct. 24 COLUMBUS, Ohio, Oct. 08, 2024 (GLOBE NEWSWIRE) -- Bread Financial® Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, flexible payment, lending and saving solutions, will host a conference call on Thursday, Oct. 24, 2024, at 8:30 a.m. ET to discuss the company's third quarter 2024 results. globenewswire.com - 1 month ago

BFH Stock Trading at Discount to Industry at 6.94X: Time to Hold? Bread Financial is set to gain from its solid growth prospects, robust credit sales, higher retained earnings, active risk management and consumer spending. zacks.com - 1 month ago

8. Profile Summary

Bread Financial Holdings, Inc. BFH

COUNTRY US

INDUSTRY Financial - Credit Services

MARKET CAP $ 2.91 B

Dividend Yield 0.42%

Description 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 approximately 130 private label and co-brand credit card programs, as well as through Bread partnerships to approximately 500 small-and medium-sized businesses merchants; 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 Bread BNPL (installment loans, 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, including installment and split-pay solutions. 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 founded in 1996 and is headquartered in Columbus, Ohio.

Contact 3095 Loyalty Circle, Columbus, OH, 43219 https://www.breadfinancial.com

IPO Date June 15, 2001

Employees 7000

Officers Brandy Sullivan Senior Vice President, Chief People and Culture Officer Mr. Joseph L. Motes III Executive Vice President, Chief Administrative Officer, General Counsel & Secretary Ms. Tammy Michelle McConnaughey Executive Vice President and Chief Credit Risk & Operations Officer Mr. Ralph J. Andretta President, Chief Executive Officer & Director Mr. Jonathan Bryan Campbell Senior Vice President & Chief Accounting Officer Mr. Perry S. Beberman Executive Vice President & Chief Financial Officer Ms. Valerie E. Greer Executive Vice President & Chief Commercial Officer Mr. Brian Vereb Head of Investor Relations Ms. Allegra S. Driscoll Executive Vice President & Chief Technology Officer Mr. Wes Hunt Senior Vice President of Operational Excellence

Price Chart BFH

Bread Financial Holdings, Inc. BFH

Premium Plan

Unlimited Plan