Bread Financial Holdings Inc. (BFH)
Summary
BFH Chart
Bread Financial: Attractive At Current Levels
Bread Financial Holdings appears fundamentally undervalued, offering a compelling risk-reward profile versus peers and sector medians. BFH's core credit card business remains robust, while Bread Pay (BNPL) is rapidly scaling and poised to become a significant future value driver. Key financials show improving credit quality: net charge-off and delinquency rates are declining, while ROTCE remains industry-leading.
Bread Financial Holdings (BFH) Expected to Beat Earnings Estimates: Can the Stock Move Higher?
Bread Financial (BFH) possesses the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
Is the Options Market Predicting a Spike in Bread Financial Stock?
Investors need to pay close attention to BFH stock based on the movements in the options market lately.
Bread Financial Holdings Inc. Investors
| Name | Quantity | Cost | Value | Profit ($) | Gain (%) |
|---|---|---|---|---|---|
 Curtis Ellergodt Rothschild Investment LLC | 199 | $14,717.72 | $19,693.04 | $4,975.32 | 33.8% |
| BZ Brandon Zatopek Commonwealth Equity Services LLC | 6,854 | $742,680 | $678,271.84 | -$64,408.16 | -8.67% |
| CN Chris Nelson MJP ASSOCIATES Inc. /ADV | 2,326 | $252,022.1 | $239,333.77 | -$12,688.33 | -5.03% |
| ABB Alexander Bjornager Bonde Danske Bank A/S | 100 | $7,403 | $10,159 | $2,756 | 37.23% |
| JD Jim Dushek HARBOUR INVESTMENTS Inc. | 56 | $3,123.12 | $5,541.76 | $2,418.64 | 77.44% |
Bread Financial Holdings Inc. (BFH) FAQ
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Bread Financial Holdings Inc. Profile
| Financial Services Industry | Financials Sector | Ralph J. Andretta CEO | NYSE Exchange | 018581108 CUSIP |
| US Country | 6,000 Employees | 31 Aug 2026 Last Dividend | 8 Nov 2021 Last Split | - IPO Date |
Overview
Bread Financial Holdings, Inc., previously known as Alliance Data Systems Corporation, is a pioneering technology company offering comprehensive payment and lending solutions across North America. Established in 1995 and headquartered in Columbus, Ohio, the company caters to customers and consumer-based industries, by providing a range of financial services primarily focused on credit card and loan financing. With its rebranding in March 2022 to Bread Financial Holdings, Inc., the company emphasizes its tech-forward approach, aimed at simplifying financial transactions for its customers and partners. Through its innovative solutions, the company aims to enhance the lending and payment experiences, making them more accessible, convenient, and tailored to contemporary needs.
Products and Services
Bread Financial Holdings, Inc. delivers an extensive array of products and services designed to meet the diverse needs of its clientele. These offerings include:
- Credit Card and Loans Financing: The company offers specialized financing services through private label and co-brand credit card programs. This also encompasses Bread partnerships, providing customers with tailored financing solutions that include risk management, account origination, and funding services.
- Comenity-Branded General Purpose Cash-Back Credit: This product offers customers cash-back rewards on purchases, leveraging the widespread acceptance of Comenity-branded general-purpose credit cards.
- Loan Management and Services: Bread Financial Holdings, Inc. not only originates loans but also manages and services them. This comprehensive approach applies to private label, co-brand, and general-purpose credit card programs, as well as installment loans and split-pay products.
- Marketing, Data, and Analytics Services: The company provides a suite of marketing, data, and analytics solutions to help businesses better understand consumer needs and optimize their offerings accordingly.
- Enhanced Digital Suite: Offering a unified software development kit (SDK), the company empowers clients with access to a full suite of products. This digital suite promotes credit payment options early in the shopping experience, enhancing customer engagement.
- Bread Digital Payments Platform: Through its Bread platform, the company provides a digital payments solution designed for seamless integration into online point-of-sale systems. This platform features a robust set of application programming interfaces (APIs), enabling merchants and partners to offer online financing and other digital payment products conveniently.
These products and services are marketed under various brand names, including Bread CashbackTM, Bread PayTM, and Bread SavingsTM, reflecting the company's commitment to offering diverse and innovative financial solutions.
Contact Information
