BREAD FINANCIAL HOLDINGS, INC. (BFH)

68.17 0.1 (0.15%)

As of 2025-12-02 07:00:09 EST

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.

Traded asNYSE: BFH
ISINUS0185811082
CIK0001101215
LEI549300G8S4PO686J7H97
EIN311429215
Sector—
IndustryPersonal Credit Institutions
CEORalph Andretta
Employees6,000
Fiscal Year End1231
Address3095 LOYALTY CIRCLE, COLUMBUS, OH, 43219
Phone6147294000
Websitehttp://breadfinancial.com
Stock Quotes
trading_symbolregistrant_nametimepricechangepercentage_change
BFHBREAD FINANCIAL HOLDINGS, INC.2025-12-02 07:00:0968.170.10.15
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Company Information
trading_symbolcentral_index_keyregistrant_nameisin_numberlei_numberein_numberexchangesic_codesic_descriptionfiscal_year_endstate_of_incorporationaddress_streetaddress_cityaddress_stateaddress_zip_codeaddress_countryaddress_country_codephone_numbermailing_addressbusiness_addressformer_nameindustryfounding_datechief_executive_officernumber_of_employeeswebsitemarket_capshares_issuedshares_outstandingdescriptionupdate_time
BFH0001101215BREAD FINANCIAL HOLDINGS, INC.US0185811082549300G8S4PO686J7H97311429215NYSE6141Personal Credit Institutions1231DE3095 LOYALTY CIRCLECOLUMBUSOH43219UNITED STATESUS61472940003095 LOYALTY CIRCLE, COLUMBUS, OH, 432193095 LOYALTY CIRCLE, COLUMBUS, OH, 43219ALLIANCE DATA SYSTEMS CORP—1983-04-22Ralph Andretta6,000http://breadfinancial.com2,200,000,00046,000,00045,661,601Bread 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.2025-11-27 16:20:37
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BFH Stock Price (End-of-Day)
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BFH Stock Price (1-Minute)
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Market Cap
Fiscal YearMarket CapChange In Market CapPercentage Change In Market CapShares OutstandingChange In Shares OutstandingPercentage Change In Shares Outstanding
20242,200,000,000600,000,00037.549,092,356-331,891-0.6715
20231,600,000,000-200,000,000-11.111149,424,247-691,174-1.3792
20221,800,000,000-2,300,000,000-56.097650,115,421167,2750.3349
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Executive Compensation
Executive NameExecutive PositionFiscal YearSalaryBonusStock AwardsIncentive Plan CompensationOther CompensationTotal Compensation
Allegra S. DriscollEVP, Chief Technology Officer2024598,5581,100,0001,161,2511,137,50044,2504,041,559
Valerie E. GreerChief Commercial Officer, EVP2024663,84601,826,2781,296,750115,7003,902,574
Ralph J. AndrettaChief Executive Officer, President20241,155,00006,333,8512,852,850296,34610,638,047
Perry S. BebermanChief Financial Officer, EVP2024663,84601,826,2781,296,750104,6993,891,573
Joseph L. MotesSecretary, EVP, Chief Administrative Officer2024650,37901,404,0661,287,000122,2823,463,727
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Employee Count
Fiscal YearEmployee Count
20246,000
20237,000
20227,500
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Income Statements
Fiscal Year202420232022
Revenue———
Cost Of Revenue———
Gross Profit———
Research And Development Expenses———
General And Administrative Expenses———
Operating Expenses———
Operating Income———
Net Income277,000,000718,000,000223,000,000
Earnings Per Share Basic5.5814.394.47
Earnings Per Share Diluted5.4914.344.46
Weighted Average Shares Outstanding Basic49,600,00049,800,00049,900,000
Weighted Average Shares Outstanding Diluted50,400,00050,000,00050,000,000
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Balance Sheet Statements
Fiscal Year202420232022
Cash And Cash Equivalents330,000,000410,000,000288,000,000
Marketable Securities Current272,000,000250,000,000130,000,000
Accounts Receivable145,000,000144,000,000164,000,000
Inventories———
Non Trade Receivables———
Other Assets Current———
Total Assets Current———
Marketable Securities Non Current———
Property Plant And Equipment142,000,000167,000,000195,000,000
Other Assets Non Current4,000,0004,000,0004,000,000
Total Assets Non Current———
Total Assets22,891,000,00023,141,000,00025,407,000,000
Accounts Payable———
Deferred Revenue———
Short Term Debt00152,000,000
Other Liabilities Current———
Total Liabilities Current———
Long Term Debt5,557,000,0005,292,000,0008,007,000,000
Other Liabilities Non Current———
Total Liabilities Non Current———
Total Liabilities19,840,000,00020,223,000,00023,142,000,000
Common Stock1,000,0001,000,0001,000,000
Retained Earnings999,000,000767,000,00093,000,000
Accumulated Other Comprehensive Income-22,000,000-19,000,000-21,000,000
Total Shareholders Equity3,051,000,0002,918,000,0002,265,000,000
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Cash Flow Statements
Fiscal Year202420232022
Depreciation And Amortization90,000,000116,000,000113,000,000
Share Based Compensation Expense54,000,00044,000,00033,000,000
Other Non Cash Income Expense———
Change In Accounts Receivable———
Change In Inventories———
Change In Non Trade Receivables———
Change In Other Assets-42,000,000-28,000,000134,000,000
Change In Accounts Payable———
Change In Other Liabilities-109,000,000087,000,000
Cash From Operating Activities1,859,000,0001,987,000,0001,848,000,000
Purchases Of Marketable Securities—00
Sales Of Marketable Securities———
Acquisition Of Property Plant And Equipment——68,000,000
Acquisition Of Business—00
Other Investing Activities36,000,00048,000,0004,000,000
Cash From Investing Activities-1,169,000,000788,000,000-5,111,000,000
Tax Withholding For Share Based Compensation———
Payments Of Dividends44,000,00044,000,00043,000,000
Issuance Of Common Stock———
Repurchase Of Common Stock55,000,00035,000,000—
Issuance Of Long Term Debt300,000,0001,401,000,000218,000,000
Repayment Of Long Term Debt894,000,0001,882,000,000319,000,000
Other Financing Activities-7,000,000-2,000,000-15,000,000
Cash From Financing Activities-592,000,000-3,086,000,0003,267,000,000
Change In Cash98,000,000-311,000,0004,000,000
Cash At End Of Period330,000,000410,000,000288,000,000
Income Taxes Paid227,000,000292,000,000338,000,000
Interest Paid922,000,000861,000,000466,000,000
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Key Metrics
Fiscal Year202420232022
Earnings Per Share5.5814.394.47
Price To Earnings Ratio10.94272.28918.4251
Earnings Growth Rate-61.2231221.9239-72.2188
Price Earnings To Growth Ratio-0.17870.0103-0.1167
Book Value Per Share61.512158.594445.3908
Price To Book Ratio0.99270.56220.8297
Ebitda4,658,000,0002,005,000,0001,177,000,000
Enterprise Value8,255,576,0006,522,412,0009,750,234,000
Dividend Yield0.01450.02680.0229
Dividend Payout Ratio0.15880.06130.1928
Debt To Equity Ratio1.82141.81363.6022
Capital Expenditures65,000,00088,000,00093,000,000
Free Cash Flow1,794,000,0001,899,000,0001,755,000,000
Return On Equity0.09080.24610.0985
One Year Beta1.37451.91311.5107
Three Year Beta1.5591.58741.6412
Five Year Beta1.64141.63421.5386
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Insider Transactions
Insider NameRelationship To IssuerTransaction DateAmount Of SecuritiesAcquired Or DisposedSecurities Owned Following Transaction
Gerspach John CDirector2025-10-15670A46,224
Fawcett John J.Director2025-07-30927A10,202
Fawcett John J.Director2025-07-30100A10,302
Gerspach John CDirector2025-07-15671A45,554
TURNEY SHAREN JDirector2025-06-162,802A21,536
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Institutional Holdings
Investor NamePeriod Of ReportMarket ValueAmount Of SecuritiesPrice Per Security
Cambria Investment Management, L.P.2025-09-309,333,165167,35155.77
JPMORGAN CHASE & CO2025-09-3011,769,869211,04355.77
CIBC Private Wealth Group LLC2025-09-3086,8901,55855.7702
Bell Investment Advisors, Inc2025-09-305,2439455.7766
Asset Dedication, LLC2025-09-30112256
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Mutual Fund Holdings
Registrant NamePeriod Of ReportFund NameFund SymbolAmount Of UnitsValue In UsdPercentage Value Compared To Assets
PRAXIS FUNDS2025-09-30Praxis Small Cap Index Fund Class IMMSIX2,910162,290.70.0814
PRAXIS FUNDS2025-09-30Praxis Small Cap Index Fund Class AMMSCX2,910162,290.70.0814
RYDEX SERIES FUNDS2025-09-30Class CRYCMX663,680.820.0551
RYDEX SERIES FUNDS2025-09-30Class ARYAKX663,680.820.0551
RYDEX SERIES FUNDS2025-09-30Class HRYMKX663,680.820.0551
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