Profile data is unavailable for this security.
About the company
Bread Financial Holdings, Inc. is a tech-forward financial services company. The Company is engaged in providing simple, personalized payment, lending, and saving solutions. The Company through its data insights and white-label technology, it delivers a comprehensive product suite, including private label and co-brand credit cards and buy now, pay later products (split-pay). It also offers direct-to-consumer solutions that give customers more access, and freedom through its branded Bread Cashback American Express Credit Card and Bread Savings products. The Company offers both direct-to-consumer retail deposit products as well as deposits sourced through contractual arrangements with various financial counterparties (often referred to as wholesale deposits). Its products are supported by various services and capabilities, including risk management, account origination and funding services; loan processing and servicing; marketing and data and analytics; and its Enhanced Digital Suite.
- Revenue in USD (TTM)4.77bn
- Net income in USD416.00m
- Incorporated1995
- Employees7.00k
- LocationBread Financial Holdings Inc3095 LOYALTY CIRCLECOLUMBUS 43219United StatesUSA
- Phone+1 (614) 729-4000
- Fax+1 (302) 655-5049
- Websitehttps://www.breadfinancial.com/
More ▼
Peer analysis
Key Information
- 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) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Global Blue Group Holding Ltd | 431.79m | 22.84m | 1.00bn | 1.78k | 42.67 | 14.64 | 13.58 | 2.32 | 0.1179 | 0.1179 | 2.25 | 0.3436 | 0.3585 | -- | 1.79 | 242,169.00 | 2.44 | -- | 3.65 | -- | -- | -- | 6.80 | -- | -- | 2.24 | 0.8915 | -- | 147.32 | -- | 73.63 | -- | -- | -- |
| Repay Holdings Corp | 296.63m | -110.49m | 1.02bn | 512.00 | -- | 1.13 | -- | 3.44 | -1.22 | -1.22 | 3.29 | 8.98 | 0.1885 | -- | 8.53 | 579,349.60 | -7.46 | -5.78 | -7.94 | -6.48 | 76.50 | 75.60 | -39.59 | -33.43 | -- | 2.39 | 0.3432 | -- | 6.23 | -- | -960.78 | -- | -- | -- |
| Foreign Trade Bank of Latin America Inc | 729.45m | 180.47m | 1.09bn | 238.00 | 5.99 | -- | 5.92 | 3.89 | 4.94 | 4.94 | 7.65 | -- | -- | -- | -- | -- | -- | 1.18 | -- | -- | -- | -- | 64.56 | 61.69 | -- | -- | -- | 35.45 | 104.21 | 21.32 | 80.53 | 71.69 | -- | -8.27 |
| Zuora Inc | 431.66m | -68.19m | 1.45bn | 1.62k | -- | 10.87 | -- | 3.37 | -0.4878 | -0.4878 | 3.08 | 0.9155 | 0.5785 | -- | 3.94 | 266,786.80 | -9.14 | -20.82 | -15.13 | -36.77 | 65.95 | 59.84 | -15.80 | -29.74 | -- | -- | 0.729 | -- | 8.98 | 12.93 | 65.55 | -- | -5.73 | -- |
| Ready Capital Corp | 1.05bn | 325.00m | 1.53bn | 374.00 | 3.73 | 0.6278 | 4.43 | 1.46 | 2.37 | 2.36 | 6.88 | 14.79 | 0.0872 | -- | 21.09 | 2,804,655.00 | 2.92 | 1.91 | 3.01 | 1.96 | 23.95 | 34.04 | 33.49 | 24.63 | -- | -- | 0.777 | 98.17 | 46.92 | 34.88 | 144.19 | 40.92 | 45.19 | -0.0476 |
| Federal National Mortgage Association | 139.32bn | 3.00m | 1.69bn | 8.10k | 2,979.59 | -- | -- | 0.0121 | 0.0005 | 0.0005 | 23.72 | 45.34 | 0.0323 | -- | -- | 17,199,630.00 | 0.4034 | 0.3944 | 0.4044 | 0.3954 | 18.39 | 20.57 | 12.50 | 13.35 | -- | -- | 0.9819 | -- | 15.58 | 3.45 | 0.00 | -75.42 | -- | -- |
| Enova International Inc | 1.29bn | 172.63m | 1.71bn | 1.68k | 11.38 | 1.50 | 8.15 | 1.33 | 5.56 | 5.56 | 41.45 | 42.06 | 0.3041 | -- | 0.3727 | 770,088.40 | 4.07 | 8.69 | 4.31 | 9.24 | -- | -- | 13.38 | 21.91 | -- | 2.12 | 0.7256 | 0.00 | 10.05 | 4.81 | -15.57 | 26.86 | 22.99 | -- |
| Navient Corp | 1.11bn | 190.00m | 1.76bn | 4.50k | 9.95 | 0.6365 | -- | 1.59 | 1.58 | 1.58 | 9.30 | 24.70 | 0.0176 | -- | 13.10 | 246,000.00 | 0.3017 | 0.624 | 0.3283 | 0.6696 | 105.78 | 109.67 | 17.16 | 32.92 | -- | -- | 0.9523 | 21.01 | -18.81 | -6.66 | -64.65 | -7.46 | -- | 0.00 |
| Upbound Group Inc | 3.99bn | -5.18m | 1.76bn | 12.97k | -- | 3.14 | 13.75 | 0.4417 | -0.1187 | -0.1187 | 71.75 | 10.31 | 1.46 | 1.67 | 35.83 | 307,819.00 | -0.1888 | 4.70 | -0.2649 | 6.72 | 50.65 | 52.73 | -0.1297 | 2.86 | -- | 2.73 | 0.6999 | 63.40 | -5.96 | 8.46 | -141.91 | -- | 13.81 | -- |
| Payoneer Global Inc | 831.10m | 93.33m | 1.78bn | 2.17k | 20.98 | 2.70 | 14.76 | 2.15 | 0.2388 | 0.2388 | 2.13 | 1.86 | 0.1198 | -- | 79.69 | 383,527.00 | 1.35 | -- | 13.74 | -- | -- | -- | 11.23 | -- | -- | -- | 0.027 | -- | 32.42 | -- | 879.72 | -- | -- | -- |
| Bread Financial Holdings Inc | 4.77bn | 416.00m | 1.83bn | 7.00k | 4.44 | 0.6043 | 3.52 | 0.3841 | 8.33 | 7.93 | 95.64 | 61.18 | 0.2155 | -- | 0.3003 | 681,428.60 | 1.88 | 1.98 | 4.67 | 4.41 | 91.72 | 90.67 | 8.72 | 11.43 | -- | 1.57 | 0.8557 | 13.04 | 11.11 | -3.22 | 229.02 | -4.25 | -24.82 | -18.10 |
| Federal Agricultural Mortgage Corp | 1.39bn | 172.84m | 2.01bn | 185.00 | 12.09 | 2.23 | -- | 1.44 | 15.80 | 15.80 | 127.30 | 130.22 | 0.049 | -- | 4.54 | 7,525,881.00 | 0.7035 | 0.602 | 0.9928 | 0.9443 | 24.73 | 34.22 | 14.37 | 19.97 | -- | -- | 0.9515 | 30.59 | 94.22 | 20.66 | 14.48 | 12.74 | -- | 13.66 |
| Upstart Holdings Inc | 513.56m | -240.13m | 2.06bn | 1.39k | -- | 3.19 | -- | 4.01 | -2.89 | -2.89 | 6.13 | 7.36 | 0.2598 | -- | 11.79 | 370,001.40 | -12.15 | -3.57 | -14.25 | -4.49 | 70.71 | 80.07 | -46.76 | -8.18 | -- | -- | 0.6209 | -- | -39.04 | 38.90 | -120.98 | -- | 63.20 | -- |
| Arbor Realty Trust Inc | 1.62bn | 330.07m | 2.43bn | 647.00 | 8.50 | 0.9728 | 6.58 | 1.50 | 1.51 | 1.51 | 7.42 | 16.54 | 0.0991 | -- | 22.90 | 2,510,414.00 | 2.44 | 2.64 | 2.47 | 2.68 | 44.39 | 57.20 | 24.66 | 31.30 | -- | -- | 0.7874 | 82.91 | 38.04 | 27.35 | 15.88 | 24.96 | -- | 11.64 |
| AvidXchange Holdings Inc | 380.72m | -47.33m | 2.44bn | 1.60k | -- | 3.72 | -- | 6.42 | -0.235 | -0.235 | 1.89 | 3.22 | 0.1622 | -- | 8.82 | 237,950.00 | -2.02 | -- | -5.80 | -- | 68.14 | -- | -12.43 | -- | -- | -- | 0.1747 | -- | 20.35 | -- | 53.27 | -- | -- | -- |
| Flywire Corp | 403.09m | -8.57m | 2.58bn | 1.20k | -- | 3.24 | 355.72 | 6.40 | -0.0895 | -0.0895 | 3.44 | 6.41 | 0.4596 | -- | 25.26 | 335,911.70 | -0.9767 | -- | -1.31 | -- | 63.45 | -- | -2.13 | -- | -- | -- | 0.00 | -- | 39.30 | -- | 78.23 | -- | -- | -- |
Data as of Apr 26 2024. Currency figures normalised to Bread Financial Holdings Inc's reporting currency: US Dollar USD
55.05%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| The Vanguard Group, Inc.as of 31 Dec 2023 | 5.53m | 11.19% |
| Turtle Creek Asset Management, Inc.as of 14 Feb 2024 | 4.93m | 9.97% |
| BlackRock Fund Advisorsas of 31 Dec 2023 | 4.45m | 9.00% |
| Dimensional Fund Advisors LPas of 31 Dec 2023 | 3.00m | 6.07% |
| Wellington Management Co. LLPas of 31 Dec 2023 | 2.11m | 4.26% |
| SSgA Funds Management, Inc.as of 31 Dec 2023 | 1.95m | 3.94% |
| HSBC Bank Plc (Broker)as of 31 Dec 2023 | 1.61m | 3.26% |
| Lyrical Asset Management LPas of 31 Dec 2023 | 1.43m | 2.90% |
| Macquarie Investment Management Business Trustas of 31 Dec 2023 | 1.12m | 2.27% |
| Morgan Stanley & Co. LLCas of 31 Dec 2023 | 1.09m | 2.20% |
More ▼
Data from 31 Dec 2023 - 31 Dec 2023Source: FactSet Research Systems Inc.
