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BFH
Upturn stock ratingUpturn stock rating

Bread Financial Holdings Inc (BFH)

Upturn stock ratingUpturn stock rating
$57.12
Last Close (24-hour delay)
Profit since last BUY5.14%
upturn advisory
Consider higher Upturn Star rating
BUY since 31 days
  • BUY Advisory
  • SELL Advisory (Profit)​
  • SELL Advisory (Loss)​
  • Profit
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Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
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Time period over
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Upturn Advisory Summary

06/30/2025: BFH (1-star) has a low Upturn Star Rating. Not recommended to BUY.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

16 Analysts rated it

Well-followed company, solid analyst reports, reliable data for confident investing.

1 Year Target Price $57.93

1 Year Target Price $57.93

Analysts Price Target For last 52 week
$57.93Target price
Low$38.05
Current$57.12
high$66.2

Analysis of Past Performance

Type Stock
Historic Profit -13.72%
Avg. Invested days 31
Today’s Advisory Consider higher Upturn Star rating
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 2.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 06/30/2025

Key Highlights

Company Size Mid-Cap Stock
Market Capitalization 2.64B USD
Price to earnings Ratio 10.03
1Y Target Price 57.93
Price to earnings Ratio 10.03
1Y Target Price 57.93
Volume (30-day avg) 16
Beta 1.4
52 Weeks Range 38.05 - 66.20
Updated Date 06/29/2025
52 Weeks Range 38.05 - 66.20
Updated Date 06/29/2025
Dividends yield (FY) 1.48%
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 10.03
Forward PE 9.17
Enterprise Value 3555786496
Price to Sales(TTM) 1.08
Enterprise Value 3555786496
Price to Sales(TTM) 1.08
Enterprise Value to Revenue 2.03
Enterprise Value to EBITDA 6.08
Shares Outstanding 46500000
Shares Floating 46113480
Shares Outstanding 46500000
Shares Floating 46113480
Percent Insiders 0.87
Percent Institutions 108.4

Analyst Ratings

Rating 4
Target Price 57.93
Buy 1
Strong Buy 4
Buy 1
Strong Buy 4
Hold 8
Sell 2
Strong Sell 1
Strong Sell 1

ai summary icon Upturn AI SWOT

Bread Financial Holdings Inc

stock logo

Company Overview

overview logo 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.

business area logo 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 logo 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

overview logo 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 logo 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

competitor logo 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.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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
Full time employees 6000

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.