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About the company
Bread Financial Holdings, Inc. is a tech-forward financial services company, which is engaged in providing simple, personalized payment, lending, and saving solutions. The Company's product offerings consist of private label and co-brand credit card programs with retailers and other brand partners; direct-to-consumer (DTC) credit cards; Bread Pay products; and Bread Savings products. Its payment solutions, including Bread Financial general purpose credit cards and savings products. Its private label credit cards are partner-branded credit cards used by consumers for the purchase of goods and services from that partner. Bread Pay is its payment technology solution for pay-over-time products. The Company's products are supported by various services and capabilities, including risk management, account origination and funding services; credit card and other loan processing and servicing; fraud prevention; marketing, and data and analytics; and digital and mobile capabilities.
- Revenue in USD (TTM)4.50bn
- Net income in USD522.00m
- Incorporated1995
- Employees6.00k
- LocationBread Financial Holdings Inc3095 LOYALTY CIRCLECOLUMBUS 43219United StatesUSA
- Phone+1 (302) 658-7581
- Fax+1 (302) 655-5049
- Websitehttps://www.breadfinancial.com/
Peer analysis
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| EZCORP Inc | 1.34bn | 122.90m | 1.68bn | 8.50k | 17.27 | 1.57 | 10.76 | 1.25 | 1.57 | 1.57 | 16.03 | 17.35 | 0.7664 | 2.44 | 15.82 | 157,191.60 | 7.05 | 4.06 | 8.08 | 4.67 | 58.65 | 59.13 | 9.20 | 5.68 | 4.69 | 41.12 | 0.3269 | 0.00 | 9.70 | 9.14 | 31.91 | -- | 6.21 | -- |
| LendingClub Corp | 998.85m | 135.68m | 1.73bn | 1.08k | 13.03 | 1.16 | 8.73 | 1.74 | 1.15 | 1.15 | 8.52 | 13.01 | 0.09 | -- | 23.70 | 929,160.90 | 1.22 | 1.37 | 9.55 | 7.73 | -- | -- | 13.58 | 11.47 | -- | -- | 0.8683 | 0.00 | 26.92 | 16.97 | 164.32 | -- | 35.13 | -- |
| Upstart Holdings Inc | 1.04bn | 53.60m | 2.68bn | 1.41k | 58.37 | 3.47 | 34.20 | 2.57 | 0.4845 | 0.4845 | 9.96 | 8.15 | 0.3908 | -- | 22.00 | 742,958.80 | 2.01 | -2.92 | 2.28 | -3.41 | 81.95 | 79.35 | 5.13 | -7.42 | -- | 2.89 | 0.696 | -- | 63.99 | 34.93 | 141.69 | 55.04 | 26.85 | -- |
| Bread Financial Holdings Inc | 4.50bn | 522.00m | 3.10bn | 6.00k | 6.60 | 0.9542 | 5.15 | 0.6902 | 10.92 | 10.86 | 94.47 | 75.44 | 0.1974 | -- | 0.2697 | 749,500.00 | 2.29 | 2.20 | 5.63 | 6.75 | 92.84 | 91.98 | 11.61 | 11.63 | -- | 1.80 | 0.8456 | 8.39 | -3.17 | 3.44 | 86.74 | 20.39 | -14.97 | -7.35 |
| Enova International Inc | 1.83bn | 308.39m | 3.54bn | 1.84k | 12.24 | 2.62 | 10.11 | 1.93 | 11.57 | 11.57 | 68.63 | 54.08 | 0.3119 | -- | 0.363 | 996,863.30 | 5.26 | 5.60 | 5.52 | 5.91 | -- | -- | 16.85 | 17.19 | -- | 2.21 | 0.7709 | 0.00 | 19.67 | 21.75 | 47.24 | -4.00 | 9.83 | -- |
| SLM Corp | 2.63bn | 729.12m | 3.76bn | 1.79k | 5.48 | 1.72 | 5.02 | 1.89 | 3.46 | 3.46 | 9.41 | 12.31 | -- | -- | -- | -- | 2.49 | 2.42 | -- | -- | -- | -- | 37.54 | 37.54 | -- | -- | -- | 13.76 | 0.3134 | 5.38 | 23.57 | -3.49 | -- | 34.08 |
| Holder | Shares | % Held |
|---|---|---|
| The Vanguard Group, Inc.as of 31 Dec 2025 | 4.74m | 10.39% |
| BlackRock Fund Advisorsas of 31 Dec 2025 | 4.20m | 9.21% |
| Dimensional Fund Advisors LPas of 31 Dec 2025 | 2.95m | 6.47% |
| Turtle Creek Asset Management, Inc.as of 31 Dec 2025 | 2.55m | 5.59% |
| Franklin Mutual Advisers LLCas of 31 Dec 2025 | 1.95m | 4.28% |
| SSgA Funds Management, Inc.as of 31 Dec 2025 | 1.82m | 3.98% |
| American Century Investment Management, Inc.as of 31 Dec 2025 | 1.53m | 3.35% |
| Arrowstreet Capital LPas of 31 Dec 2025 | 1.19m | 2.61% |
| Geode Capital Management LLCas of 31 Dec 2025 | 1.16m | 2.54% |
| Pacific Investment Management Co. LLCas of 31 Dec 2025 | 1.07m | 2.35% |
