Bread Financial Holdings, Inc. is an American publicly traded provider of private label credit cards, coalition loyalty programs, and direct marketing, derived from the capture and analysis of transaction-rich data.
| trading_symbol | registrant_name | time | price | change | percentage_change |
|---|---|---|---|---|---|
| BFH | BREAD FINANCIAL HOLDINGS, INC. | 2025-10-16 15:42:58 | 57.61 | 0 | 0 |
| trading_symbol | central_index_key | registrant_name | isin_number | lei_number | ein_number | exchange | sic_code | sic_description | fiscal_year_end | state_of_incorporation | address_street | address_city | address_state | address_zip_code | address_country | address_country_code | phone_number | mailing_address | business_address | former_name | industry | founding_date | chief_executive_officer | number_of_employees | website | market_cap | shares_issued | shares_outstanding | description | update_time |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| BFH | 0001101215 | BREAD FINANCIAL HOLDINGS, INC. | US0185811082 | 549300G8S4PO686J7H97 | 311429215 | NYSE | 6141 | Personal Credit Institutions | 1231 | DE | 3095 LOYALTY CIRCLE | COLUMBUS | OH | 43219 | UNITED STATES | US | 6147294000 | 3095 LOYALTY CIRCLE, COLUMBUS, OH, 43219 | 3095 LOYALTY CIRCLE, COLUMBUS, OH, 43219 | ALLIANCE DATA SYSTEMS CORP | — | 1983-04-22 | Ralph Andretta | 6,000 | http://breadfinancial.com | 2,200,000,000 | 46,600,000 | 46,642,430 | Bread Financial Holdings, Inc. is an American publicly traded provider of private label credit cards, coalition loyalty programs, and direct marketing, derived from the capture and analysis of transaction-rich data. | 2025-10-10 20:33:40 |
| Fiscal Year | Market Cap | Change In Market Cap | Percentage Change In Market Cap | Shares Outstanding | Change In Shares Outstanding | Percentage Change In Shares Outstanding |
|---|---|---|---|---|---|---|
| 2024 | 2,200,000,000 | 600,000,000 | 37.5 | 49,092,356 | -331,891 | -0.6715 |
| 2023 | 1,600,000,000 | -200,000,000 | -11.1111 | 49,424,247 | -691,174 | -1.3792 |
| 2022 | 1,800,000,000 | -2,300,000,000 | -56.0976 | 50,115,421 | 167,275 | 0.3349 |
| Executive Name | Executive Position | Fiscal Year | Salary | Bonus | Stock Awards | Incentive Plan Compensation | Other Compensation | Total Compensation |
|---|---|---|---|---|---|---|---|---|
| Allegra S. Driscoll | EVP, Chief Technology Officer | 2024 | 598,558 | 1,100,000 | 1,161,251 | 1,137,500 | 44,250 | 4,041,559 |
| Valerie E. Greer | Chief Commercial Officer, EVP | 2024 | 663,846 | 0 | 1,826,278 | 1,296,750 | 115,700 | 3,902,574 |
| Ralph J. Andretta | Chief Executive Officer, President | 2024 | 1,155,000 | 0 | 6,333,851 | 2,852,850 | 296,346 | 10,638,047 |
| Perry S. Beberman | Chief Financial Officer, EVP | 2024 | 663,846 | 0 | 1,826,278 | 1,296,750 | 104,699 | 3,891,573 |
| Joseph L. Motes | Secretary, EVP, Chief Administrative Officer | 2024 | 650,379 | 0 | 1,404,066 | 1,287,000 | 122,282 | 3,463,727 |
| Fiscal Year | Employee Count |
|---|---|
| 2024 | 6,000 |
| 2023 | 7,000 |
| 2022 | 7,500 |
| Fiscal Year | 2024 | 2023 | 2022 |
|---|---|---|---|
| Revenue | — | — | — |
| Cost Of Revenue | — | — | — |
| Gross Profit | — | — | — |
| Research And Development Expenses | — | — | — |
| General And Administrative Expenses | — | — | — |
| Operating Expenses | — | — | — |
| Operating Income | — | — | — |
| Net Income | 277,000,000 | 718,000,000 | 223,000,000 |
| Earnings Per Share Basic | 5.58 | 14.39 | 4.47 |
| Earnings Per Share Diluted | 5.49 | 14.34 | 4.46 |
| Weighted Average Shares Outstanding Basic | 49,600,000 | 49,800,000 | 49,900,000 |
| Weighted Average Shares Outstanding Diluted | 50,400,000 | 50,000,000 | 50,000,000 |
| Fiscal Year | 2024 | 2023 | 2022 |
|---|---|---|---|
| Cash And Cash Equivalents | 330,000,000 | 410,000,000 | 288,000,000 |
| Marketable Securities Current | 272,000,000 | 250,000,000 | 130,000,000 |
| Accounts Receivable | 145,000,000 | 144,000,000 | 164,000,000 |
| Inventories | — | — | — |
| Non Trade Receivables | — | — | — |
| Other Assets Current | — | — | — |
| Total Assets Current | — | — | — |
| Marketable Securities Non Current | — | — | — |
| Property Plant And Equipment | 142,000,000 | 167,000,000 | 195,000,000 |
| Other Assets Non Current | 4,000,000 | 4,000,000 | 4,000,000 |
| Total Assets Non Current | — | — | — |
| Total Assets | 22,891,000,000 | 23,141,000,000 | 25,407,000,000 |
| Accounts Payable | — | — | — |
| Deferred Revenue | — | — | — |
| Short Term Debt | 0 | 0 | 152,000,000 |
| Other Liabilities Current | — | — | — |
| Total Liabilities Current | — | — | — |
| Long Term Debt | 5,557,000,000 | 5,292,000,000 | 8,007,000,000 |
| Other Liabilities Non Current | — | — | — |
| Total Liabilities Non Current | — | — | — |
| Total Liabilities | 19,840,000,000 | 20,223,000,000 | 23,142,000,000 |
| Common Stock | 1,000,000 | 1,000,000 | 1,000,000 |
| Retained Earnings | 999,000,000 | 767,000,000 | 93,000,000 |
| Accumulated Other Comprehensive Income | -22,000,000 | -19,000,000 | -21,000,000 |
| Total Shareholders Equity | 3,051,000,000 | 2,918,000,000 | 2,265,000,000 |
| Fiscal Year | 2024 | 2023 | 2022 |
|---|---|---|---|
| Depreciation And Amortization | 90,000,000 | 116,000,000 | 113,000,000 |
| Share Based Compensation Expense | 54,000,000 | 44,000,000 | 33,000,000 |
| Other Non Cash Income Expense | — | — | — |
| Change In Accounts Receivable | — | — | — |
| Change In Inventories | — | — | — |
| Change In Non Trade Receivables | — | — | — |
| Change In Other Assets | -42,000,000 | -28,000,000 | 134,000,000 |
| Change In Accounts Payable | — | — | — |
| Change In Other Liabilities | -109,000,000 | 0 | 87,000,000 |
| Cash From Operating Activities | 1,859,000,000 | 1,987,000,000 | 1,848,000,000 |
| Purchases Of Marketable Securities | — | 0 | 0 |
| Sales Of Marketable Securities | — | — | — |
| Acquisition Of Property Plant And Equipment | — | — | 68,000,000 |
| Acquisition Of Business | — | 0 | 0 |
| Other Investing Activities | 36,000,000 | 48,000,000 | 4,000,000 |
| Cash From Investing Activities | -1,169,000,000 | 788,000,000 | -5,111,000,000 |
| Tax Withholding For Share Based Compensation | — | — | — |
| Payments Of Dividends | 44,000,000 | 44,000,000 | 43,000,000 |
| Issuance Of Common Stock | — | — | — |
| Repurchase Of Common Stock | 55,000,000 | 35,000,000 | — |
| Issuance Of Long Term Debt | 300,000,000 | 1,401,000,000 | 218,000,000 |
| Repayment Of Long Term Debt | 894,000,000 | 1,882,000,000 | 319,000,000 |
| Other Financing Activities | -7,000,000 | -2,000,000 | -15,000,000 |
| Cash From Financing Activities | -592,000,000 | -3,086,000,000 | 3,267,000,000 |
| Change In Cash | 98,000,000 | -311,000,000 | 4,000,000 |
| Cash At End Of Period | 330,000,000 | 410,000,000 | 288,000,000 |
| Income Taxes Paid | 227,000,000 | 292,000,000 | 338,000,000 |
| Interest Paid | 922,000,000 | 861,000,000 | 466,000,000 |
| Fiscal Year | 2024 | 2023 | 2022 |
|---|---|---|---|
| Earnings Per Share | 5.58 | 14.39 | 4.47 |
| Price To Earnings Ratio | 10.9427 | 2.2891 | 8.4251 |
| Earnings Growth Rate | -61.2231 | 221.9239 | -72.2188 |
| Price Earnings To Growth Ratio | -0.1787 | 0.0103 | -0.1167 |
| Book Value Per Share | 61.5121 | 58.5944 | 45.3908 |
| Price To Book Ratio | 0.9927 | 0.5622 | 0.8297 |
| Ebitda | 4,658,000,000 | 2,005,000,000 | 1,177,000,000 |
| Enterprise Value | 8,255,576,000 | 6,522,412,000 | 9,750,234,000 |
| Dividend Yield | 0.0145 | 0.0268 | 0.0229 |
| Dividend Payout Ratio | 0.1588 | 0.0613 | 0.1928 |
| Debt To Equity Ratio | 1.8214 | 1.8136 | 3.6022 |
| Capital Expenditures | 65,000,000 | 88,000,000 | 93,000,000 |
| Free Cash Flow | 1,794,000,000 | 1,899,000,000 | 1,755,000,000 |
| Return On Equity | 0.0908 | 0.2461 | 0.0985 |
| One Year Beta | 1.3745 | 1.9131 | 1.5107 |
| Three Year Beta | 1.559 | 1.5874 | 1.6412 |
| Five Year Beta | 1.6414 | 1.6342 | 1.5386 |
| Insider Name | Relationship To Issuer | Transaction Date | Amount Of Securities | Acquired Or Disposed | Securities Owned Following Transaction |
|---|---|---|---|---|---|
| Fawcett John J. | Director | 2025-07-30 | 927 | A | 10,202 |
| Fawcett John J. | Director | 2025-07-30 | 100 | A | 10,302 |
| Gerspach John C | Director | 2025-07-15 | 671 | A | 45,554 |
| TURNEY SHAREN J | Director | 2025-06-16 | 2,802 | A | 21,536 |
| Tucker Laurie Anne | Director | 2025-06-16 | 2,802 | A | 33,821 |
| Investor Name | Period Of Report | Market Value | Amount Of Securities | Price Per Security |
|---|---|---|---|---|
| HIGHLAND CAPITAL MANAGEMENT, LLC | 2025-09-30 | 393,290 | 7,052 | 55.77 |
| CWM, LLC | 2025-09-30 | 166,000 | 2,978 | 55.7421 |
| Pacer Advisors, Inc. | 2025-09-30 | 22,308 | 400 | 55.77 |
| HARBOR CAPITAL ADVISORS, INC. | 2025-09-30 | 1,078,000 | 19,333 | 55.7596 |
| MJT & Associates Financial Advisory Group, Inc. | 2025-09-30 | 3,124 | 56 | 55.7857 |
| Registrant Name | Period Of Report | Fund Name | Fund Symbol | Amount Of Units | Value In Usd | Percentage Value Compared To Assets |
|---|---|---|---|---|---|---|
| TRUST FOR PROFESSIONAL MANAGERS | 2025-08-31 | Column Small Cap Fund | CFSLX | 24,706 | 1,635,290.14 | 0.3413 |
| TRUST FOR PROFESSIONAL MANAGERS | 2025-08-31 | Column Small Cap Select Fund | CFSSX | 25,264 | 1,672,224.16 | 0.1164 |
| ETF Series Solutions | 2025-07-31 | AAM SAWGRASS U.S. SMALL CAP QUALITY GROWTH ETF | SAWS | 280 | 17,164 | 1.097 |
| Tidal Trust III | 2025-07-31 | Intech S&P Small-Mid Cap Diversified Alpha ETF | SMDX | 357 | 21,884.1 | 0.0273 |
| Advisors' Inner Circle Fund III | 2025-07-31 | I Shares | KCXIX | 203 | 12,443.9 | 0.0051 |