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Bread Financial Holdings, Inc.

  • Market Cap: Small Cap
  • Industry: Regional Banks
  • ISIN: US0185811082
USD
70.49
0.55 (0.79%)

Jan 21

NYS

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  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

69.9171.38

52 Week

38.2181.49
Valuation
Technical
Day's Volume

CASH

493.71 k

Shareholding (Mar 2025)

FII

22.98%

Held by 149 FIIs

DII

31.97%

Held by 52 DIIs

Promoter

0.00%

How big is Bread Financial Holdings, Inc.?

22-Jun-2025

As of Jun 18, Bread Financial Holdings, Inc. has a market capitalization of $2.41 billion, with total assets of $22.93 billion and shareholder's funds of $3.05 billion.

As of Jun 18, Bread Financial Holdings, Inc. has a market capitalization of 2,407.06 million, categorizing it as a Small Cap company.<BR><BR>As of Jun 18, the company reported a sum of interest earned for the latest four quarters amounting to 4,954.00 million and a net profit of 285.00 million.<BR><BR>As of Dec'24, the reporting period shows shareholder's funds at 3,051.00 million and total assets at 22,927.00 million.

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What does Bread Financial Holdings, Inc. do?

22-Jun-2025

Bread Financial Holdings, Inc. provides data-driven marketing, loyalty, and payment solutions for consumer-based businesses in the regional banks industry. As of March 2025, it reported net sales of $1.231 billion and a net profit of $142 million, with a market cap of $2.407 billion.

Overview: <BR>Bread Financial Holdings, Inc. is a provider of data-driven marketing, loyalty, and payment solutions serving consumer-based businesses in the regional banks industry.<BR><BR>Financial Snapshot: <BR>Most recent Net Sales: 1,231 Million (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: 142 Million (Quarterly Results - Mar 2025) <BR>Market cap: USD 2,407.06 Million (Small Cap) <BR><BR>Key Metrics: <BR>P/E: 8.00 <BR>Dividend Yield: 131.16% <BR>Debt Equity: 0.00 <BR>Return on Equity: 9.29% <BR>Price to Book: 0.78 <BR><BR>Contact Details: <BR>Address: 3075 Loyalty Cir, COLUMBUS OH: 43219-3673 <BR>Tel: ['1 614 7294000', '1 214 4943048'] <BR>Fax: 1 302 6555049 <BR>Website: https://www.alliancedata.com/

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Who are in the management team of Bread Financial Holdings, Inc.?

22-Jun-2025

As of March 2022, the management team of Bread Financial Holdings, Inc. includes Non-Executive Chairman Roger Ballou, CEO Ralph Andretta, and Directors Rajesh Natarajan, John Gerspach, Timothy Theriault, and Laurie Tucker. They oversee the company's operations and strategic direction.

As of March 2022, the management team of Bread Financial Holdings, Inc. includes the following individuals:<BR><BR>- Mr. Roger Ballou, who serves as the Non-Executive Independent Chairman of the Board.<BR>- Mr. Ralph Andretta, who is the President, Chief Executive Officer, and a Director.<BR>- Rajesh Natarajan, who is a Director.<BR>- Mr. John Gerspach, who is an Independent Director.<BR>- Mr. Timothy Theriault, who is also an Independent Director.<BR>- Ms. Laurie Tucker, who serves as an Independent Director.<BR><BR>This team is responsible for overseeing the company's operations and strategic direction.

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Is Bread Financial Holdings, Inc. overvalued or undervalued?

20-Sep-2025

As of July 7, 2025, Bread Financial Holdings, Inc. is considered fairly valued with an undervalued status indicated by a P/E ratio of 8, a Price to Book Value of 0.78, and an EV to EBITDA of 8.42, outperforming peers and the S&P 500 with a 22.25% return over the past year.

As of 7 July 2025, the valuation grade for Bread Financial Holdings, Inc. has moved from expensive to fair, indicating a more favorable assessment of its market position. Based on the current metrics, the company appears to be undervalued, particularly with a P/E ratio of 8, a Price to Book Value of 0.78, and an EV to EBITDA of 8.42. These ratios suggest that the stock is trading at a discount compared to its earnings and book value.<BR><BR>In comparison to its peers, Bread Financial Holdings is positioned favorably against Atlantic Union Bankshares Corp., which has a significantly higher P/E ratio of 17.24, and Independent Bank Corp. (Massachusetts), with a P/E of 18.40. This highlights Bread Financial's relative value within the regional banking sector. Additionally, the company's recent stock performance shows a 22.25% return over the past year, outperforming the S&P 500's 17.14%, reinforcing the attractiveness of its current valuation.

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Is Bread Financial Holdings, Inc. technically bullish or bearish?

13-Oct-2025

As of October 10, 2025, Bread Financial Holdings, Inc. shows a neutral technical trend with mixed signals, as the stock has underperformed the S&P 500 year-to-date by -11.43% compared to its 11.41% gain.

As of 10 October 2025, the technical trend for Bread Financial Holdings, Inc. has changed from mildly bullish to sideways. The current stance is neutral, with mixed signals across different time frames. The weekly MACD is mildly bearish, while the monthly MACD indicates bullishness. The Bollinger Bands show a bearish signal on the weekly chart and a mildly bullish signal on the monthly chart. Daily moving averages are mildly bullish, but the KST and Dow Theory both reflect a mildly bearish stance on the weekly and monthly charts. <BR><BR>In terms of performance, the stock has underperformed the S&P 500 across most periods, with a year-to-date return of -11.43% compared to the S&P 500's 11.41%, and a one-month return of -15.59% versus 0.31% for the index.

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Compare Bread Financial Holdings, Inc. with Similar Stocks

Seacoast Banking Corp. of FloridaHilltop Holdings, Inc.First Financial Bancorp (Ohio)
iScoreScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

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Dashboard

1

High Profitability with a Net Interest Margin of -5.48%

 
2

Strong Long Term Fundamental Strength with an average Return on Assets (ROA) of 1.51%

 
3

Strong Long Term Fundamental Strength with an average Return on Assets (ROA) of 1.51%

 
4

The company has declared positive results in Mar'2025 after 2 consecutive negative quarters

5

With ROA of 1.08%, it has a fair valuation with a 0.78 Price to Book Value

stock-summaryMojo Parameters

Mojo Parameters

Stock DNA

stock-summary
Industry

Regional Banks

stock-summary
Market cap

USD 3,058 Million (Small Cap)

stock-summary
P/E

8.00

stock-summary
Industry P/E

NA

stock-summary
Dividend Yield

69.27%

stock-summary
Debt Equity

0.00

stock-summary
Return on Equity

9.19%

stock-summary
Price to Book

0.97

Revenue and Profits:
Net Sales:
1,194 Million
(Quarterly Results - Jun 2025)
Net Profit:
139 Million
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
15.69%
0%
15.69%
6 Months
15.41%
0%
15.41%
1 Year
10.57%
0%
10.57%
2 Years
133.33%
0%
133.33%
3 Years
81.3%
0%
81.3%
4 Years
9.1%
0%
9.1%
5 Years
24.01%
0%
24.01%

Bread Financial Holdings, Inc. for the last several years.

Risk Adjusted Returns v/s stock-summary
stock-summaryNews & Corporate Actions

News

Icon
No Recent News for the Company

Announcements stock-summary

Icon
No announcement available

Corporate Actions stock-summary

Icon
No corporate action available
stock-summaryKey Factors

Quality key factors stock-summary

Factor
Value
Sales Growth (5y)
447.53%
EBIT Growth (5y)
-37.32%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
15.28%
Pledged Shares
0
Institutional Holding
100.00%
ROCE (avg)
0
ROE (avg)
0

Valuation key factors

Factor
Value
P/E Ratio
8
Industry P/E
Price to Book Value
0.78
EV to EBIT
10.88
EV to EBITDA
8.42
EV to Capital Employed
0.83
EV to Sales
0.66
PEG Ratio
NA
Dividend Yield
131.54%
ROCE (Latest)
7.64%
ROE (Latest)
9.29%

Technicals key factors

Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
No Trend
Mildly Bullish
OBV
No Trend
No Trend
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Mar 2025stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Domestic Funds

Domestic Funds

Held in 80 Schemes (44.96%)

Foreign Institutions

Held by 149 Foreign Institutions (22.98%)

Strategic Entities with highest holding

Highest Public shareholder

stock-summaryFinancial
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    "link": "annual",
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stock-summaryCompany CV
About Bread Financial Holdings, Inc. stock-summary
stock-summary
Bread Financial Holdings, Inc.
Regional Banks
Alliance Data Systems Corp is a provider of data-driven marketing, loyalty and payment solutions serving consumer-based businesses in a range of industries. The Company offers a portfolio of integrated outsourced marketing solutions, including customer loyalty programs, database marketing services, end-to-end marketing services, analytics and creative services, direct marketing services, and private label and co-brand retail credit card programs. The Company operates through two segments: LoyaltyOne, which provides coalition and short-term loyalty programs through the Company's Canadian AIR MILES Reward Program and BrandLoyalty Group B.V. (BrandLoyalty) and Card Services, which provides risk management solutions, account origination, funding, transaction processing, customer care, collections and marketing services for the Company's private label and co-brand retail credit card programs.
Company Coordinates stock-summary
Company Details
3075 Loyalty Cir , COLUMBUS OH : 43219-3673
stock-summary
Tel: 1 614 72940001 214 4943048
stock-summary
https://www.alliancedata.com/
stock-summary
Registrar Details
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InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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