Bread Financial Holdings Inc. (BFH)
Summary
BFH Chart
BFH or HASI: Which Is the Better Value Stock Right Now?
Investors interested in stocks from the Financial - Miscellaneous Services sector have probably already heard of Bread Financial Holdings (BFH) and HA Sustainable Infrastructure Capital (HASI). But which of these two stocks presents investors with the better value opportunity right now?
Bread Financial: Attractive Yield From A Seasoned Consumer Lender
Bread Financial offers robust consumer lending, boasting a long track record of positive net income—even through recessionary cycles. BFH funds itself primarily through low-cost deposits, maintaining a Tier 1 capital ratio near 14% and BB credit ratings. Series B Preferred Shares yield 8.9% (stripped), compensating for recession-driven risks in the consumer lending sector.
Bread Financial: 8.6% Yield Opportunity On Series A Preferred Shares
Bread Financial offers compelling income opportunities through its Series A preferred shares, currently yielding 8.6%. BFH's robust net interest margin of 18.5% and high asset yields are supported by strong deposit and loan growth. Deposit growth outpaces loans, reducing reliance on external financing and improving the loan-to-deposit ratio to 111%.
Bread Financial Holdings Inc. Investors
| Name | Quantity | Cost | Value | Profit ($) | Gain (%) |
|---|---|---|---|---|---|
 Curtis Ellergodt Rothschild Investment LLC | 152 | $9,625.18 | $16,712.4 | $7,087.22 | 73.63% |
| BZ Brandon Zatopek Commonwealth Equity Services LLC | 6,854 | $742,680 | $742,425.28 | -$254.72 | -0.03% |
| CN Chris Nelson MJP ASSOCIATES Inc. /ADV | 2,326 | $252,022.1 | $252,161.66 | $139.56 | 0.06% |
| ABB Alexander Bjornager Bonde Danske Bank A/S | 100 | $7,403 | $10,832 | $3,429 | 46.32% |
| JD Jim Dushek HARBOUR INVESTMENTS Inc. | 56 | $3,123.12 | $6,048.56 | $2,925.44 | 93.67% |
Bread Financial Holdings Inc. Analysts
| Name | Quantity | Cost | Value | Profit ($) | Gain (%) |
|---|---|---|---|---|---|
 Darrin Peller Wolfe Research | 2.87 | $308.9 | $299.83 | -$9.07 | -2.94% |
| NH Nicholas Holowko UBS | 802.31 | $78,739.06 | $86,473.36 | $7,734.3 | 9.82% |
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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.
