BFH:NYE-Bread Financial Holdings Inc (USD)

COMMON STOCK | Credit Services |

Last Closing

USD 52.76

Change

+2.13 (+4.21)%

Market Cap

USD 2.52B

Volume

0.75M

Analyst Target

N/A
Analyst Rating

Verdict

ducovest Verdict

Verdict

About

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. Address: 3095 Loyalty Circle, Columbus, OH, United States, 43219

Unadjusted Closing Price

Adjusted Closing Price

Share Volume

Relative Performance (Total Returns)

Compare
Relative Returns (From:    To: 2024-11-05 )

Largest Industry Peers for Credit Services

Symbol Name Price(Change) Market Cap
V Visa Inc. Class A

+1.44 (+0.49%)

USD 552.16B
MA Mastercard Inc

-0.02 (0.00%)

USD 474.60B
AXP American Express Company

+5.75 (+2.13%)

USD 194.38B
COF Capital One Financial Corporat..

+4.77 (+2.96%)

USD 61.53B
SYF Synchrony Financial

+1.76 (+3.20%)

USD 21.47B
ALLY Ally Financial Inc

+0.97 (+2.83%)

USD 10.44B
OMF OneMain Holdings Inc

+1.05 (+2.09%)

USD 5.57B
MUI BlackRock Muni Intermediate Du..

+0.01 (+0.08%)

USD 2.77B
LU Lufax Holding Ltd

+0.07 (+2.73%)

USD 2.32B
ENVA Enova International Inc

+2.65 (+2.97%)

USD 2.31B

ETFs Containing BFH

MVPA Advisor Managed Portfolio.. 5.73 % 0.00 %

+0.76 (+2.31%)

USD 0.06B
SQLV Royce Quant Small-Cap Qua.. 1.06 % 0.60 %

+0.88 (+2.31%)

USD 0.03B
AVSC American Century ETF Trus.. 0.35 % 0.00 %

+1.12 (+2.31%)

USD 1.36B
EES WisdomTree U.S. SmallCap .. 0.00 % 0.38 %

+1.19 (+2.31%)

USD 0.65B
FYT First Trust Small Cap Val.. 0.00 % 0.70 %

+1.06 (+2.31%)

USD 0.17B
XSVM Invesco S&P SmallCap Valu.. 0.00 % 0.39 %

+1.11 (+2.31%)

USD 0.80B

Market Performance

  Market Performance vs. Industry/Classification (Credit Services) Market Performance vs. Exchange
  Value Sector Median Percentile Rank Grade Market Median Percentile Rank Grade
YTD  
Capital Gain 60.17% 89% A- 90% A-
Dividend Return N/A N/A N/A N/A N/A
Total Return 60.17% 89% A- 91% A-
Trailing 12 Months  
Capital Gain 83.96% 81% B- 90% A-
Dividend Return N/A N/A N/A N/A N/A
Total Return 83.96% 84% B 91% A-
Trailing 5 Years  
Capital Gain N/A N/A N/A N/A N/A
Dividend Return N/A N/A N/A N/A N/A
Total Return N/A N/A N/A N/A N/A
Average Annual (5 Year Horizon)  
Capital Gain 3.17% 51% F 48% F
Dividend Return 4.50% 51% F 45% F
Total Return 1.34% 19% F 32% F
Risk Return Profile  
Volatility (Standard Deviation) 27.11% 51% F 39% F
Risk Adjusted Return 16.61% 46% F 35% F
Market Capitalization 2.52B 64% D 70% C-

Annual Financials (USD)

Quarterly Financials (USD)

Analyst Rating

Target Price Action Rating Action Analyst Rating Price Date

This is a composite scorecard based on the application of evaluation criteria deemed most important by analysts. This is not a buy or sell recommendation.

What to like:
Underpriced on cashflow basis

The stock is trading low compared to its peers on a price to cash flow basis and is in the top quartile. It may be underpriced but do check its financial performance to make sure there is no specific reason.

Positive cash flow

The company had positive total cash flow in the most recent four quarters.

Positive free cash flow

The company had positive total free cash flow in the most recent four quarters.

High Gross Profit to Asset Ratio

This stock is in the top quartile compared to its peers on Gross Profit to Asset Ratio. This is a popular measure among value investors for showing superior returns in the long run.

What to not like:
Poor risk adjusted returns

This company is delivering below median risk adjusted returns in its peers. Even if it is outperforming on returns , the returns are unpredictable. Proceed with caution.

Highly leveraged

The company is in the bottom half compared to its sector peers on debt to equity and is highly leveraged. However, do check the news and look at its sector and management statements. Sometimes this is high because the company is trying to grow aggressively.

Poor return on equity

The company management has delivered below median return on equity in the most recent 4 quarters compared to its peers.

Below median total returns

The company has under performed its peers on annual average total returns in the past 5 years.

Overpriced on free cash flow basis

The stock is trading high compared to its peers on a price to free cash flow basis. It is priced above the median for its sectors. Proceed with caution if you are considering to buy.

Low Earnings Growth

This stock has shown below median earnings growth in the previous 5 years compared to its sector

Low Revenue Growth

This stock has shown below median revenue growth in the previous 5 years compared to its sector