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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)4.76bn
- Net income in USD315.00m
- 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/
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) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Navient Corp | 871.00m | 79.00m | 1.60bn | 4.50k | 21.27 | 0.593 | -- | 1.83 | 0.7019 | 0.7019 | 7.74 | 25.18 | 0.0149 | -- | 11.31 | 193,555.60 | 0.1352 | 0.624 | 0.1478 | 0.6827 | 107.35 | 109.67 | 9.07 | 32.92 | -- | 4.57 | 0.9489 | 21.01 | -18.81 | -6.66 | -64.65 | -7.46 | -- | 0.00 |
| LendingClub Corp | 755.42m | 51.77m | 1.79bn | 1.03k | 34.30 | 1.33 | 17.37 | 2.37 | 0.4636 | 0.4636 | 6.77 | 11.95 | 0.0774 | -- | -- | 736,991.30 | 0.5307 | 0.5363 | 4.01 | 1.40 | -- | -- | 6.85 | 2.98 | -- | -- | 0.8757 | 0.00 | -27.17 | -4.36 | -86.56 | -- | 2.35 | -- |
| Enova International Inc | 1.44bn | 180.52m | 2.67bn | 1.68k | 16.29 | 2.27 | 12.18 | 1.85 | 6.26 | 6.26 | 49.69 | 44.87 | 0.3175 | -- | 0.38 | 860,566.60 | 3.98 | 8.69 | 4.23 | 9.24 | -- | -- | 12.52 | 21.91 | -- | 1.90 | 0.7365 | 0.00 | 10.05 | 4.81 | -15.57 | 26.86 | 22.99 | -- |
| Bread Financial Holdings Inc | 4.76bn | 315.00m | 2.82bn | 7.00k | 8.99 | 0.9071 | 6.94 | 0.5937 | 6.32 | 6.26 | 94.98 | 62.62 | 0.2195 | -- | 0.3024 | 679,428.60 | 1.45 | 1.98 | 3.66 | 4.41 | 93.08 | 90.67 | 6.62 | 11.43 | -- | 1.44 | 0.8485 | 13.04 | 11.11 | -3.22 | 229.02 | -4.25 | -24.82 | -18.10 |
| Nelnet Inc | 2.03bn | 110.17m | 3.84bn | 7.55k | 35.10 | 1.17 | 18.25 | 1.89 | 3.02 | 3.02 | 55.30 | 90.68 | 0.1299 | -- | 14.33 | 269,241.60 | 0.5275 | 1.23 | 0.5729 | 1.27 | 51.26 | 63.11 | 4.06 | 15.40 | -- | 4.62 | 0.7572 | 12.60 | 6.58 | 4.35 | -77.57 | -16.83 | -9.94 | 9.94 |
| Holder | Shares | % Held |
|---|---|---|
| The Vanguard Group, Inc.as of 30 Sep 2024 | 5.71m | 11.49% |
| Turtle Creek Asset Management, Inc.as of 30 Sep 2024 | 4.58m | 9.23% |
| BlackRock Fund Advisorsas of 30 Sep 2024 | 4.44m | 8.93% |
| Dimensional Fund Advisors LPas of 30 Sep 2024 | 3.06m | 6.17% |
| SSgA Funds Management, Inc.as of 30 Sep 2024 | 2.03m | 4.10% |
| Wellington Management Co. LLPas of 30 Sep 2024 | 1.93m | 3.89% |
| HSBC Bank Plc (Broker)as of 30 Sep 2024 | 1.44m | 2.89% |
| American Century Investment Management, Inc.as of 30 Sep 2024 | 1.29m | 2.61% |
| Geode Capital Management LLCas of 30 Sep 2024 | 1.16m | 2.33% |
| Jacobs Levy Equity Management, Inc.as of 30 Sep 2024 | 1.12m | 2.26% |
