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Financial Services - Financial - Credit Services - NYSE - US
$ 43.92
4.87 %
$ 2.16 B
Market Cap
7.93
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one BFH stock under the worst case scenario is HIDDEN Compared to the current market price of 43.9 USD, Bread Financial Holdings, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one BFH stock under the base case scenario is HIDDEN Compared to the current market price of 43.9 USD, Bread Financial Holdings, Inc. is HIDDEN

This DCF valuation model was last updated on Apr, 8, 2025.

The intrinsic value of one BFH stock under the best case scenario is HIDDEN Compared to the current market price of 43.9 USD, Bread Financial Holdings, Inc. is HIDDEN

2. FUNDAMENTAL ANALYSIS

Price Chart BFH

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$70.0$70.0$65.0$65.0$60.0$60.0$55.0$55.0$50.0$50.0$45.0$45.0$40.0$40.015 Oct15 OctNov '24Nov '2415 Nov15 NovDec '24Dec '2415 Dec15 DecJan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '25
FINANCIALS
5.02 B REVENUE
64.18%
279 M OPERATING INCOME
-82.49%
277 M NET INCOME
-61.42%
1.86 B OPERATING CASH FLOW
-6.44%
-1.17 B INVESTING CASH FLOW
-148.35%
-592 M FINANCING CASH FLOW
80.82%
1.63 B REVENUE
65.51%
-92 M OPERATING INCOME
-3066.67%
7 M NET INCOME
250.00%
479 M OPERATING CASH FLOW
5.04%
-1.35 B INVESTING CASH FLOW
-137.43%
1.12 B FINANCING CASH FLOW
328.48%
Balance Sheet Bread Financial Holdings, Inc.
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Current Assets 3.68 B
Cash & Short-Term Investments 3.68 B
Receivables 145 M
Other Current Assets -145 M
Non-Current Assets 888 M
Long-Term Investments 266 M
PP&E 142 M
Other Non-Current Assets 480 M
80.56 %3.17 %5.82 %3.11 %10.51 %Total Assets$4.6b
Current Liabilities 576 M
Accounts Payable 326 M
Short-Term Debt 0
Other Current Liabilities 250 M
Non-Current Liabilities 5.68 B
Long-Term Debt 5.68 B
Other Non-Current Liabilities 0
5.21 %3.99 %90.80 %Total Liabilities$6.3b
EFFICIENCY
Earnings Waterfall Bread Financial Holdings, Inc.
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Revenue 5.02 B
Cost Of Revenue 0
Gross Profit 5.02 B
Operating Expenses 3.84 B
Operating Income 279 M
Other Expenses 2 M
Net Income 277 M
6b6b5b5b4b4b3b3b2b2b1b1b005b05b(4b)279m(2m)277mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
100.00% GROSS MARGIN
100.00%
5.55% OPERATING MARGIN
5.55%
5.51% NET MARGIN
5.51%
9.08% ROE
9.08%
1.21% ROA
1.21%
5.12% ROIC
5.12%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Bread Financial Holdings, Inc.
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3b3b3b3b2b2b2b2b1b1b500m500m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 277 M
Depreciation & Amortization 90 M
Capital Expenditures 0
Stock-Based Compensation 54 M
Change in Working Capital -67 M
Others 1.52 B
Free Cash Flow 1.86 B
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Bread Financial Holdings, Inc.
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Wall Street analysts predict an average 1-year price target for BFH of $51.7 , with forecasts ranging from a low of $35 to a high of $76 .
BFH Lowest Price Target Wall Street Target
35 USD -20.31%
BFH Average Price Target Wall Street Target
51.7 USD 17.64%
BFH Highest Price Target Wall Street Target
76 USD 73.04%
Price
Max Price Target
Min Price Target
Average Price Target
80807575707065656060555550504545404035353030May '24May '24Jul '24Jul '24Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26
4. DIVIDEND ANALYSIS
0.36% DIVIDEND YIELD
0.21 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
2.000002.000001.800001.800001.600001.600001.400001.400001.200001.200001.000001.000000.800000.800000.600000.600000.400000.400000.200000.200000.000000.000000.4150.454910.502790.502790.16760.210.210.210.210.4150.454910.502790.16760.16760.210.210.210.4150.454910.502790.16760.16760.210.210.210.4151.660.4151.780.454911.960.502791.340.16760.670.210.840.210.840.210.840.210.420.0020162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 13
6. Ownership
Insider Ownership Bread Financial Holdings, Inc.
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Sold
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
0 USD 0
Bought
0 USD 0
0-3 MONTHS
51 K USD 1
3-6 MONTHS
99.6 K USD 1
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Bread Financial Provides Performance Update for February 2025 COLUMBUS, Ohio, March 17, 2025 (GLOBE NEWSWIRE) -- Bread Financial ® Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions to millions of U.S. consumers, provided a performance update. The following tables present the Company's net loss rate and delinquency rate for the periods indicated: globenewswire.com - 1 month ago
Bread Financial Announces Pricing of Private Offering of $400 million of Subordinated Notes COLUMBUS, Ohio, March 05, 2025 (GLOBE NEWSWIRE) -- Bread Financial® Holdings, Inc. (NYSE: BFH) (“Bread Financial” or the “Company”) announced today the pricing of its previously announced offering of $400 million in aggregate principal amount of its 8.375% fixed-rate reset subordinated notes due 2035 (the “Notes”), in a private offering that is exempt from the registration requirements of the Securities Act of 1933, as amended (the “Securities Act”). The Notes will be sold at a price of 100% of the principal amount thereof. The closing of the issuance of the Notes is expected to occur on March 10, 2025, subject to customary closing conditions, and is expected to result in approximately $395 million in net proceeds to the Company, after deducting the initial purchasers' discount but before the Company's estimated offering expenses. globenewswire.com - 1 month ago
Bread Financial Announces Approval of $150 Million Share Repurchase Program COLUMBUS, Ohio, March 05, 2025 (GLOBE NEWSWIRE) -- Bread Financial® Holdings, Inc. (NYSE: BFH) (“Bread Financial” or the “Company”) today announced that its Board of Directors (the “Board”) has authorized a new plan to repurchase up to $150 million of shares of its common stock. There is no expiration date for the repurchase plan. globenewswire.com - 1 month ago
Bread Financial Announces Private Offering of Subordinated Notes COLUMBUS, Ohio, March 05, 2025 (GLOBE NEWSWIRE) -- Bread Financial® Holdings, Inc. (NYSE: BFH) (“Bread Financial” or the “Company”) announced today that it intends to offer, subject to market and other conditions, $400 million aggregate principal amount of fixed-rate reset subordinated notes (the “Notes”) in a private offering that is exempt from the registration requirements of the Securities Act of 1933, as amended (the “Securities Act”). globenewswire.com - 1 month ago
Bread Financial to Participate in the 2025 RBCCM Global Financial Institutions Conference COLUMBUS, Ohio, Feb. 25, 2025 (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 the 2025 RBCCM Global Financial Institutions Conference on Tuesday, March 4. globenewswire.com - 1 month ago
Bread Financial Provides Performance Update for January 2025 COLUMBUS, Ohio, Feb. 11, 2025 (GLOBE NEWSWIRE) -- Bread Financial ® Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions to millions of U.S. consumers, provided a performance update. The following tables present the Company's net loss rate and delinquency rate for the periods indicated: globenewswire.com - 2 months ago
ChargeAfter Teams Up with Bread Financial to Offer Flexible Payment Options through its Embedded Lending Network NEW YORK, Feb. 05, 2025 (GLOBE NEWSWIRE) -- With the addition of Bread Pay® pay-over-time options to its network of lenders, ChargeAfter enables merchants to provide qualified customers with instant access to its installment programs. globenewswire.com - 2 months ago
Bread Financial to Participate in the BofA Securities 2025 Financial Services Conference COLUMBUS, Ohio, Feb. 04, 2025 (GLOBE NEWSWIRE) -- Bread Financial ® Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions to millions of U.S consumers, today announced the company's participation in the BofA Securities 2025 Financial Services Conference on Tuesday, Feb. 11. globenewswire.com - 2 months ago
Bread Financial Q4 Earnings Top Estimates, Credit Sales Rise BFH's fourth-quarter results reflect higher credit sales but lower average loans. Revenues decline as total interest income decreases. zacks.com - 2 months ago
Bread Financial Holdings, Inc. (BFH) Q4 2024 Earnings Call Transcript Bread Financial Holdings, Inc. (NYSE:BFH ) Q4 2024 Earnings Conference Call January 30, 2025 8:30 AM ET Company Participants Brian Vereb – Head-Investor Relations Ralph Andretta – President and Chief Executive Officer Perry Beberman – Executive Vice President and Chief Financial Officer Conference Call Participants Sanjay Sakhrani – KBW Vincent Caintic – BTIG Jeff Adelson – Morgan Stanley John Pancari – Evercore ISI Bill Carache – Wolfe Research Moshe Orenbuch – TD Cowen Mihir Bhatia – Bank of America Terry Ma – Barclays Dominick Gabriele – Compass Point Reggie Smith – JPMorgan Operator Thank you for standing by, and welcome to the Bread Financial Fourth Quarter and Full Year 2024 Earnings Conference Call. At this time, all participants are in a listen-only mode. seekingalpha.com - 2 months ago
Bread Financial (BFH) Reports Q4 Earnings: What Key Metrics Have to Say The headline numbers for Bread Financial (BFH) give insight into how the company performed in the quarter ended December 2024, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals. zacks.com - 2 months ago
Bread Financial Holdings (BFH) Q4 Earnings Surpass Estimates Bread Financial Holdings (BFH) came out with quarterly earnings of $0.41 per share, beating the Zacks Consensus Estimate of $0.33 per share. This compares to earnings of $0.90 per share a year ago. zacks.com - 2 months ago
8. Profile Summary

Bread Financial Holdings, Inc. BFH

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COUNTRY US
INDUSTRY Financial - Credit Services
MARKET CAP $ 2.16 B
Dividend Yield 0.36%
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 6000
Officers Mr. Dashon Williford Senior Vice President of Digital Strategy & Experience Robert Esque Senior Vice President & Chief Risk Officer Ms. Shannon Andrick Senior Vice President of Business Strategy Mike Boghosian Senior Vice President & Chief Data Officer Brandy Sullivan Senior Vice President, Chief People and Culture Officer Mr. Joseph L. Motes III Executive Vice President, Chief Administrative Officer, General Counsel & Secretary Mr. Wes Hunt Senior Vice President of Operational Excellence Ms. Valerie E. Greer Executive Vice President & Chief Commercial Officer Mr. Brian Vereb Head of Investor Relations