Alliance Data® is a leading provider of data-driven marketing, loyalty and payment solutions serving large, consumer-based industries. The Company creates and deploys customized solutions that measurably change consumer behavior while driving business growth and profitability for some of today's most recognizable brands. Alliance Data helps its partners create and increase customer loyalty across multiple touch points using traditional, digital, mobile and emerging technologies. A FORTUNE 500 and S&P MidCap 400 company headquartered in Columbus, Ohio, Alliance Data consists of businesses that together employ nearly 8,000 associates at 45 locations worldwide.
Company profile
Ticker
BFH
Exchange
Website
CEO
Edward Heffernan
Employees
Incorporated
Location
Fiscal year end
Industry (SIC)
Alibaba Group Holding • EBay • Visa • DiDi Global • Uber • PayPal • Accenture • Nielsen • Mastercard • Western Union ...
Former names
ALLIANCE DATA SYSTEMS CORP
SEC CIK
Corporate docs
Subsidiaries
A Delaware Corporation • ADS Card Services Foreign Holdings B.V. • Bread Financial Canada Co. • Bread Financial Payments, Inc. • Bread Reinsurance Ltd. • Comenity Canada L.P. • Comenity Capital Credit Company, LLC • Comenity Servicing LLC • Lon Administration LLC • Lon Holdings LLC ...
IRS number
311429215
BFH stock data
Analyst ratings and price targets
Latest filings (excl ownership)
8-K
Regulation FD Disclosure
15 Mar 23
8-K
Departure of Directors or Certain Officers
28 Feb 23
10-K
2022 FY
Annual report
28 Feb 23
8-K
Regulation FD Disclosure
14 Feb 23
8-K
Regulation FD Disclosure
13 Feb 23
8-K
Regulation FD Disclosure
26 Jan 23
8-K
Results of Operations and Financial Condition
26 Jan 23
8-K
Entry into a Material Definitive Agreement
15 Dec 22
8-K
Regulation FD Disclosure
15 Dec 22
8-K
Regulation FD Disclosure
7 Dec 22
Transcripts
BFH
Earnings call transcript
2022 Q4
26 Jan 23
BFH
Earnings call transcript
2022 Q3
27 Oct 22
BFH
Earnings call transcript
2022 Q2
28 Jul 22
BFH
Earnings call transcript
2022 Q1
28 Apr 22
BFH
Earnings call transcript
2021 Q4
27 Jan 22
BFH
Earnings call transcript
2021 Q3
28 Oct 21
BFH
Earnings call transcript
2021 Q2
29 Jul 21
BFH
Earnings call transcript
2021 Q1
29 Apr 21
BFH
Earnings call transcript
2020 Q4
28 Jan 21
BFH
Earnings call transcript
2020 Q3
29 Oct 20
Latest ownership filings
4/A
Jonathan Bryan Campbell
23 Feb 23
4
Joseph L Motes III
23 Feb 23
4
Tammy M McConnaughey
23 Feb 23
4
Ralph J Andretta
23 Feb 23
4
Joseph L Motes III
17 Feb 23
4
Tammy M McConnaughey
17 Feb 23
4
Valerie E Greer
17 Feb 23
4
Jonathan Bryan Campbell
17 Feb 23
4
Perry S Beberman
17 Feb 23
4
Ralph J Andretta
17 Feb 23
Financial summary
| Quarter (USD) | Dec 22 | Sep 22 | Jun 22 | Mar 22 | |
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| Revenue | |||||
| Cost of revenue | |||||
| Operating income | |||||
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| Change in cash | |||||
| Diluted EPS |
| Annual (USD) | Dec 22 | Dec 21 | Dec 20 | Dec 19 | |
|---|---|---|---|---|---|
| Revenue | |||||
| Cost of revenue | |||||
| Operating income | |||||
| Operating margin | |||||
| Net income | |||||
| Net profit margin | |||||
| Cash on hand | |||||
| Change in cash | |||||
| Diluted EPS |
| Cash burn rate (est.) | Burn method: Change in cash | Burn method: Operating income | Burn method: FCF (opex + capex) | Last Q | Avg 4Q | Last Q | Avg 4Q | Last Q | Avg 4Q |
|---|---|---|---|---|---|---|
| Cash on hand (at last report) | 3.93 bn | 3.93 bn | 3.93 bn | 3.93 bn | 3.93 bn | 3.93 bn |
| Cash burn (monthly) | (no burn) | (no burn) | 69.33 mm | (no burn) | (no burn) | (no burn) |
| Cash used (since last report) | n/a | n/a | 186.34 mm | n/a | n/a | n/a |
| Cash remaining | n/a | n/a | 3.74 bn | n/a | n/a | n/a |
| Runway (months of cash) | n/a | n/a | 54.0 | n/a | n/a | n/a |
Institutional ownership, Q4 2022
| 13F holders | Current |
|---|---|
| Total holders | 269 |
| Opened positions | 49 |
| Closed positions | 45 |
| Increased positions | 89 |
| Reduced positions | 88 |
| 13F shares | Current |
|---|---|
| Total value | 1.87 tn |
| Total shares | 55.30 mm |
| Total puts | 1.50 mm |
| Total calls | 323.00 k |
| Total put/call ratio | 4.6 |
| Largest owners | Shares | Value |
|---|---|---|
| Vanguard | 5.78 mm | $217.57 bn |
| BLK Blackrock | 4.85 mm | $182.71 bn |
| Turtle Creek Asset Management | 4.27 mm | $160.67 bn |
| FMR | 3.20 mm | $120.39 bn |
| BEN Franklin Resources | 2.87 mm | $108.16 bn |
| Franklin Mutual Advisers | 2.84 mm | $0.00 |
| HBCYF HSBC | 1.95 mm | $72.59 bn |
| STT State Street | 1.94 mm | $73.23 bn |
| Lyrical Asset Management | 1.47 mm | $55.22 bn |
| VA Partners I | 1.38 mm | $147.12 mm |
Recent insider trades
| Date | Owner | Security | Transaction | Code | Indirect | 10b5-1 | $Price | #Shares | $Value | #Remaining |
|---|---|---|---|---|---|---|---|---|---|---|
| 21 Feb 23 | Ralph J Andretta | Common Stock | Payment of exercise | Dispose F | No | No | 39.93 | 6,360 | 253.95 k | 182,666 |
| 21 Feb 23 | Tammy M McConnaughey | Common Stock | Payment of exercise | Dispose F | No | No | 39.93 | 313 | 12.50 k | 51,248.055 |
| 21 Feb 23 | Joseph L Motes III | Common Stock | Payment of exercise | Dispose F | No | No | 39.93 | 429 | 17.13 k | 49,598 |
| 16 Feb 23 | Ralph J Andretta | Common Stock | Payment of exercise | Dispose F | No | No | 41.19 | 9,847 | 405.60 k | 189,026 |
| 15 Feb 23 | Ralph J Andretta | Common Stock | Payment of exercise | Dispose F | No | No | 41.16 | 4,002 | 164.72 k | 198,873 |
| 15 Feb 23 | Perry S Beberman | Common Stock | Payment of exercise | Dispose F | No | No | 41.16 | 1,249 | 51.41 k | 37,190 |
News
Benzinga's Top Ratings Upgrades, Downgrades For March 17, 2023
17 Mar 23
Keefe, Bruyette & Woods Downgrades Bread Finl Hldgs to Market Perform, Lowers Price Target to $35
17 Mar 23
Stephens & Co. Reiterates Overweight on Bread Finl Hldgs, Maintains $64 Price Target
10 Mar 23
Bread Financial Holdings, Inc. Common Stock Q4 Sales $1.03B Beat $1.00B Estimate
26 Jan 23
Earnings Scheduled For January 26, 2023
26 Jan 23
Press releases
Bread FinancialTM Provides Performance Update for February 2023
15 Mar 23
Bread FinancialTM to Participate in the Wolfe Fintech Forum
8 Mar 23
Bread Financial™ Included in 2023 Bloomberg Gender-Equality Index (GEI) for Fifth Consecutive Year
2 Mar 23
Bread FinancialTM to Participate in the RBC Capital Markets 2023 Global Financials Conference
1 Mar 23
Bread Financial™ to Participate in the 2023 KBW Fintech Payments Conference
21 Feb 23