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Home CompaniesBread Financial Holdings, Inc.

Bread Financial Holdings, Inc.

Financial Services Credit Services
PortfolioPortfolio WatchlistWatchlist
Company price
97.47 USD -0.18 ( 0.18%)
Last update at 2026-11-12T15:45:00Z
VOLUME
71511
Market Cap
3936.84M
P/E
8.33

Momentum Score

…

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, underwriting, and funding services for private label and co-brand credit card programs, as well as through Bread Pay partnerships. 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 Pay, 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. Additionally, it offers retail and deposit products, primarily in the form of certificates of deposit and high-yield savings accounts, including traditional and Roth Individual Retirement Accounts. The company offers its products under the Bread, Bread Financial, Bread Cashback, Bread Rewards, Bread Pay, and Bread Savings 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.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
96.55
Low
99.39
High
52 Week Price Range
45.39
Low
93.74
High

Momentum Score

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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Bread Financial Holdings, Inc. issues private-label and co‑branded credit cards and provides payments, loyalty and data-driven marketing services to retail partners in North America. Long-term growth drivers—expansion of card receivables, adoption of digital payments and deeper merchant partnerships—may support interest and fee income and could make the company attractive to investors seeking retail-finance exposure.
Key risks include sensitivity to consumer credit cycles and higher charge-offs, concentration with retail partners, competitive pressure from banks and fintech, regulatory and compliance requirements and exposure to funding and interest-rate volatility.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
97.65
Dividend Yield
0.94%
Revenue TTM
2603.00M
Revenue Per Share
55.62
Gross Profit TTM
2603.00M
Debt / Equity
1.32
ROE
16.34%
Net Debt
789.00M
ROCE
7.70%
Diluted EPS TTM
10.96

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 614.00M 381.00M 968.00M 300.00M 1044.00M
Net income 518.00M 277.00M 718.00M 223.00M 801.00M
Selling general administrative 1160.00M 897.00M 867.00M 779.00M 671.00M
Selling and marketing expenses 151.00M 147.00M 161.00M 180.00M 160.00M
Gross profit 2976.00M 2441.00M 3060.00M 3870.00M 1679.00M
Reconciled depreciation 80.00M 90.00M 116.00M 113.00M 123.00M
Ebit 614.00M 1341.00M 968.00M 802.00M 1044.00M
Ebitda 694.00M 1431.00M 1084.00M 915.00M 1167.00M
Depreciation and amortization 80.00M 90.00M 116.00M 113.00M 123.00M
Operating income 614.00M 279.00M 1593.00M 802.00M 1044.00M
Other operating expenses 4085.00M 3838.00M 1467.00M 180.00M 2611.00M
Interest expense 854.00M 960.00M 879.00M 503.00M 383.00M
Tax provision 94.00M 102.00M 231.00M 76.00M 247.00M
Interest income 4912.00M 5024.00M 5145.00M 4684.00M 3868.00M
Net interest income 4058.00M 4064.00M 4266.00M 4181.00M 3485.00M
Extraordinary items -3.00M -2.00M -19.00M -1.00M 12.00M
Income tax expense 92.00M 102.00M 231.00M 76.00M 247.00M
Total revenue 4699.00M 3838.00M 4289.00M 3826.00M 3272.00M
Total operating expenses 2362.00M 3838.00M 1467.00M 180.00M 1018.00M
Cost of revenue 1723.00M 1397.00M 1229.00M 359.00M 1593.00M
Total other income expense net - 102.00M -625.00M -502.00M 247.00M
Discontinued operations - - - -1.00M 4.00M
Net income from continuing ops 521.00M 279.00M 737.00M 224.00M 797.00M
Net income applicable to common shares 518.00M 277.00M 718.00M 223.00M 801.00M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 22663.00M 22891.00M 23141.00M 25407.00M 21746.00M
Intangible assets 82.00M 112.00M 128.00M 165.00M 53.00M
Other current assets 24.00M 35.00M 830.00M 36.00M 151.00M
Total liab 19336.00M 19840.00M 20223.00M 23142.00M 19660.00M
Total stockholder equity 3327.00M 3051.00M 2918.00M 2265.00M 2086.00M
Deferred long term liab - - - 344.00M 364.00M
Other current liab 14395.00M 13377.00M -435.00M -398.00M 11477.00M
Common stock 0.00M 1.00M 1.00M 1.00M 1.00M
Capital stock 0.00M 1.00M 1.00M 1.00M 1.00M
Retained earnings 1475.00M 999.00M 767.00M 93.00M -87.00M
Other liab - - - 479.00M 449.00M
Good will 634.00M 634.00M 634.00M 634.00M 634.00M
Other assets 1243.00M 18324.00M 18622.00M 19948.00M 817.00M
Cash 3604.00M 3679.00M 3590.00M 3891.00M 3046.00M
Cash and equivalents 3604.00M 3679.00M - 3891.00M 3046.00M
Total current liabilities 14684.00M 13953.00M 273.00M 398.00M 11768.00M
Current deferred revenue - - 138.00M - -
Net debt 789.00M 2006.00M 1850.00M 4242.00M 4527.00M
Short term debt 13916.00M 3237.00M 284.00M 13826.00M 11027.00M
Short long term debt 0.00M 0.00M 0.00M 0.00M 0.00M
Short long term debt total 4393.00M 5685.00M 5440.00M 8133.00M 7573.00M
Other stockholder equity 1868.00M 2073.00M 2169.00M 2192.00M 2174.00M
Property plant equipment 117.00M 229.00M - 195.00M 312.00M
Total current assets 3947.00M 4029.00M 3590.00M 4150.00M 19857.00M
Long term investments 284.00M 266.00M 253.00M 227.00M 224.00M
Net tangible assets - - - 1466.00M 1399.00M
Short term investments 171.00M 170.00M 171.00M 95.00M 239.00M
Net receivables 148.00M 145.00M 144.00M 164.00M 151.00M
Long term debt 4308.00M 5557.00M 5292.00M 8007.00M 7439.00M
Inventory - - -974.00M - 16444.00M
Accounts payable 289.00M 326.00M 422.00M 398.00M 291.00M
Accumulated other comprehensive income -16.00M -22.00M -19.00M -21.00M -2.00M
Common stock total equity - - - - 1.00M
Retained earnings total equity - - - - -87.00M
Non currrent assets other 392.00M 428.00M -351.00M -1309.00M 299.00M
Non current assets total 18716.00M 18862.00M 929.00M 1309.00M 1889.00M
Capital lease obligations 85.00M 128.00M 148.00M 126.00M 140.00M
Long term debt total 4308.00M 2344.00M - 8007.00M 18466.00M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments -2.00M -1169.00M -1044.00M -5111.00M -20.00M
Change to liabilities - - - 0.00M -11.00M
Total cashflows from investing activities -1371.00M -1169.00M 788.00M -5111.00M -1691.00M
Net borrowings -1317.00M 69.00M -2696.00M 560.00M -1086.00M
Total cash from financing activities -807.00M -592.00M -3086.00M 3267.00M 608.00M
Change to operating activities - - - -47.00M -41.00M
Net income 518.00M 277.00M 718.00M 223.00M 801.00M
Change in cash -86.00M 98.00M -311.00M 4.00M 460.00M
Begin period cash flow 3714.00M 3616.00M 3927.00M 3923.00M 3463.00M
End period cash flow 3628.00M 3714.00M 3616.00M 3927.00M 3923.00M
Total cash from operating activities 2092.00M 1859.00M 1987.00M 1848.00M 1543.00M
Issuance of capital stock 71.00M 0.00M 0.00M - 4.00M
Depreciation 80.00M 90.00M 116.00M 113.00M 123.00M
Other cashflows from investing activities -1369.00M -1152.00M 824.00M -5043.00M -109.00M
Dividends paid 42.00M 43.00M 42.00M 43.00M 42.00M
Sale purchase of stock -313.00M -55.00M -35.00M -12.00M 6196.00M
Other cashflows from financing activities 865.00M -563.00M -313.00M 7216.00M -148.00M
Change to netincome - - - 1449.00M 589.00M
Capital expenditures 24.00M 36.00M 48.00M 68.00M 84.00M
Cash flows other operating - - - - 41.00M
Cash and cash equivalents changes - - - - 460.00M
Change in working capital -39.00M -67.00M 28.00M -47.00M -41.00M
Stock based compensation 56.00M 54.00M 44.00M 33.00M 29.00M
Other non cash items 1387.00M 1590.00M 1149.00M 1771.00M 646.00M
Free cash flow 2092.00M 1859.00M 1987.00M 1780.00M 1459.00M

Peer Comparison*

Sector: Financial Services Industry: Credit Services

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
Enterprise Value
to EBITDA (x)
BFH
Bread Financial Holdings, Inc.		 -0.18
0.18%		 97.47 8.33 9.41 1.51 1.14 2.13 6.08
V
Visa Inc. Class A		 0.88
0.21%		 426.43 31.25 25.97 16.18 13.64 16.19 23.37
MA
Mastercard Inc		 0.82
0.12%		 661.55 31.59 24.88 14.31 89.68 14.71 23.34
AXP
American Express Company		 -1.18
0.37%		 321.93 21.46 18.83 3.38 6.76 3.93 -
COF
Capital One Financial Corporation		 -0.13
0.07%		 196.98 11.39 8.75 2.64 1.11 2.76 -

Profile*

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, underwriting, and funding services for private label and co-brand credit card programs, as well as through Bread Pay partnerships. 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 Pay, 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. Additionally, it offers retail and deposit products, primarily in the form of certificates of deposit and high-yield savings accounts, including traditional and Roth Individual Retirement Accounts. The company offers its products under the Bread, Bread Financial, Bread Cashback, Bread Rewards, Bread Pay, and Bread Savings 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.

3095 Loyalty Circle, Columbus, OH, United States, 43219

614 729 4000

https://www.breadfinancial.com

6000

Name Title Year Born
Mr. Ralph J. Andretta CEO, Pres & Director 1961
Mr. Perry S. Beberman Exec. VP & CFO 1966
Ms. Tammy Michelle McConnaughey Exec. VP of Operations & Credit Risk 1974
Mr. Joseph L. Motes III Exec. VP, Chief Admin. Officer, Gen. Counsel & Sec. 1962
Ms. Valerie E. Greer Exec. VP & Chief Commercial Officer 1966
Mr. Jonathan Bryan Campbell Sr. VP & Chief Accounting Officer 1973
Matt Brown Sr. VP & CTO NA
Mr. Brian Vereb Head of Investor Relations NA
Brandy Sullivan Sr. VP, Chief People and Culture Officer NA
Mr. Greg Betchkal Chief Risk Officer NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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