Bread Financial Holdings, Inc.
$76.30
+$1.00 (+1.33%)
Jan 5, 2026
Price History (1Y)
Analysis
Bread Financial Holdings, Inc. operates within the financial services sector and credit services industry. The company has a significant scale with 6,000 employees and a market capitalization of $3.48 billion. The company's financial health is marked by strong profitability metrics, including a gross margin of 0.0%, an operating margin of 29.6%, and a profit margin of 18.8%. Bread Financial Holdings also generates significant returns on equity (14.8%) and assets (2.2%). The company's balance sheet shows $3.76 billion in cash and $3.79 billion in debt. The valuation context for Bread Financial Holdings is characterized by a price-to-earnings ratio of 7.62 (TTM) and 8.08 (forward). The company has experienced revenue growth of 9.4% year-over-year, with earnings growth of 9703.9%. Additionally, the dividend yield is 122.0%, although the payout ratio is relatively low at 8.5%.
This analysis is AI-generated for informational purposes only and should not be considered financial advice. Data may be delayed or inaccurate. Always do your own research and consult a qualified financial advisor before making investment decisions.
About Bread Financial Holdings, Inc.
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.
Visit website →Key Statistics
- Market Cap
- $3.48B
- P/E Ratio
- 7.62
- 52-Week High
- $78.98
- 52-Week Low
- $38.21
- Avg Volume
- 752.56K
- Beta
- 1.31
- Dividend Yield
- 122.00%
Company Info
- Industry
- Credit Services
- Exchange
- NYQ
- Country
- United States
- Employees
- 6,000