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Upturn AI SWOT - About
Bread Financial Holdings Inc (BFH)
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Upturn Advisory Summary
07/07/2025: BFH (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
16 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $58
1 Year Target Price $58
| 4 | Strong Buy |
| 1 | Buy |
| 8 | Hold |
| 2 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -9.99% | Avg. Invested days 31 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 07/07/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.81B USD | Price to earnings Ratio 10.65 | 1Y Target Price 58 |
Price to earnings Ratio 10.65 | 1Y Target Price 58 | ||
Volume (30-day avg) 16 | Beta 1.4 | 52 Weeks Range 38.05 - 66.20 | Updated Date 07/6/2025 |
52 Weeks Range 38.05 - 66.20 | Updated Date 07/6/2025 | ||
Dividends yield (FY) 1.47% | Basic EPS (TTM) 5.67 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 11.49% | Operating Margin (TTM) 29.23% |
Management Effectiveness
Return on Assets (TTM) 1.28% | Return on Equity (TTM) 9.38% |
Valuation
Trailing PE 10.65 | Forward PE 9.75 | Enterprise Value 3567889152 | Price to Sales(TTM) 1.15 |
Enterprise Value 3567889152 | Price to Sales(TTM) 1.15 | ||
Enterprise Value to Revenue 2.08 | Enterprise Value to EBITDA 6.08 | Shares Outstanding 46500000 | Shares Floating 46113480 |
Shares Outstanding 46500000 | Shares Floating 46113480 | ||
Percent Insiders 0.86 | Percent Institutions 108.27 |
Upturn AI SWOT
Bread Financial Holdings Inc
Company Overview
History and Background
Bread Financial Holdings Inc. was founded in 1984 as Alliance Data Systems. It evolved from a transaction processing company to a leader in data-driven marketing and loyalty solutions. In 2022, the company rebranded to Bread Financial, reflecting its focus on providing simple, personalized payment, lending and saving solutions.
Core Business Areas
- Credit Card Services: Offers private label and co-branded credit cards to retailers and other businesses. Manages the full card lifecycle, including marketing, risk management, and customer service.
- Payment Solutions: Bread Financial offers buy now, pay later products and other payment solutions to enable purchases across various channels.
Leadership and Structure
The CEO of Bread Financial Holdings Inc. is Ralph Andretta. The company has a board of directors overseeing its strategic direction and various departments responsible for different aspects of its operations, including credit, risk, technology, and marketing.
Top Products and Market Share
Key Offerings
- Private Label Credit Cards: Bread Financial partners with retailers to offer private label credit cards, enhancing customer loyalty and driving sales. Market share data is fragmented, but Bread Financial is a significant player in this segment. Competitors include Synchrony Financial and Capital One. Revenue is generated via interest and fees from cardholders.
- Co-Branded Credit Cards: Bread Financial also issues co-branded credit cards in partnership with brands such as Victoria's Secret. This allows customers to earn rewards with both the financial institution and the partner brand. Competitors include Synchrony Financial and Capital One. Revenue is generated via interest and fees from cardholders.
- Bread Pay (Buy Now, Pay Later): Bread offers buy now, pay later solutions for online and in-store purchases, providing customers with flexible payment options. Market share data is evolving rapidly in this space. Competitors include Affirm, Klarna, and Afterpay.
Market Dynamics
Industry Overview
The consumer finance industry is characterized by increasing competition, regulatory changes, and technological advancements. Consumer spending habits, interest rates, and economic conditions significantly impact the industry.
Positioning
Bread Financial positions itself as a tech-forward provider of payment and lending solutions, emphasizing data analytics and personalized customer experiences. Its competitive advantage lies in its deep understanding of consumer behavior and retail partnerships.
Total Addressable Market (TAM)
The total addressable market is estimated to be in the hundreds of billions, encompassing consumer credit, digital payments and lending. Bread Financial is positioned to capture a portion of this market by expanding its product offerings and partnerships.
Upturn SWOT Analysis
Strengths
- Strong retail partnerships
- Deep data analytics capabilities
- Experienced management team
- Diversified product offerings
Weaknesses
- Exposure to economic downturns
- High dependence on retail sector
- Potential for regulatory scrutiny
- High cost of capital
Opportunities
- Expansion of digital payment solutions
- Increased demand for BNPL services
- Growing e-commerce market
- Strategic acquisitions
Threats
- Rising interest rates
- Increased competition from fintech companies
- Changes in consumer spending habits
- Cybersecurity risks
Competitors and Market Share
Key Competitors
- Synchrony Financial (SYF)
- Capital One Financial Corp (COF)
- Ally Financial (ALLY)
Competitive Landscape
Bread Financial's competitive advantages include its data analytics capabilities and strong retail partnerships. However, it faces competition from larger, more diversified financial institutions.
Growth Trajectory and Initiatives
Historical Growth: Historical growth is linked to consumer spending and retail performance. Bread Financial has seen fluctuating growth based on these macroeconomic factors.
Future Projections: Future growth projections are dependent on economic conditions, technological advancements, and expansion into new markets.
Recent Initiatives: Recent initiatives include expanding BNPL offerings, strengthening partnerships with retailers, and investing in digital technologies.
Summary
Bread Financial is a significant player in the private label credit card and payment solutions market, leveraging data analytics and strong retail partnerships. It faces challenges from economic uncertainties and increased competition from fintech companies. Expanding its BNPL offerings and strengthening digital capabilities are crucial for future growth. However, regulatory changes and cyber security risk needs to be taken into account.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings
- Industry reports
- Market analysis
Disclaimers:
The data provided is for informational purposes only and does not constitute financial advice. Market share and other data are estimates and may vary.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Bread Financial Holdings Inc
Exchange NYSE | Headquaters Columbus, OH, United States | ||
IPO Launch date 2001-06-15 | President, CEO & Director Mr. Ralph J. Andretta | ||
Sector Financial Services | Industry Credit Services | Full time employees 6000 | Website https://www.breadfinancial.com |
Full time employees 6000 | Website https://www.breadfinancial.com | ||
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, 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.
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