Bread Financial Holdings, Inc. provides tech-forward payment and lending solutions to customers and consumer-based industries in North America. It offers credit card and other loans financing services, including risk management solutions, account origination, and funding services for approximately 130 private label and co-brand credit card programs, as well as through Bread partnerships to approximately 500 small-and medium-sized businesses merchants; and Comenity-branded general purpose cash-back credit. The company also manages and services the loans it originates for private label, co-brand, and general-purpose credit card programs and Bread BNPL (installment loans, split-pay) products; and provides marketing, and data and analytics services. In addition, it offers an enhanced digital suite that includes a unified software development kit, which provides access to its suite of products, as well as promotes credit payment options earlier in the shopping experience. Further, the company through Bread, a digital payments platform and robust suite of application programming interfaces allows merchants and partners to integrate online point-of-sale financing and other digital payment products, including installment and split-pay solutions. The company was formerly known as Alliance Data Systems Corporation and changed its name to Bread Financial Holdings, Inc. in March 2022. Bread Financial Holdings, Inc. was founded in 1996 and is headquartered in Columbus, Ohio.
Company profile
Ticker
BFH
Exchange
Website
CEO
Mr. Ralph J. Andretta
Employees
Incorporated
Location
Fiscal year end
Industry (SIC)
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
24 Oct 24
8-K
Results of Operations and Financial Condition
24 Oct 24
8-K
Amendment No. 1 to Credit Agreement
21 Oct 24
8-K
Regulation FD Disclosure
16 Sep 24
8-K
Regulation FD Disclosure
15 Aug 24
8-K
Bread Financial Announces Partial Repurchase of 4.25% Convertible Senior Notes Due 2028
9 Aug 24
10-Q
2024 Q2
Quarterly report
31 Jul 24
8-K
Regulation FD Disclosure
25 Jul 24
8-K
Results of Operations and Financial Condition
25 Jul 24
8-K
Entry into a Material Definitive Agreement
2 Jul 24
Transcripts
BFH
Earnings call transcript
2024 Q3
24 Oct 24
BFH
Earnings call transcript
2024 Q2
25 Jul 24
BFH
Earnings call transcript
2024 Q1
25 Apr 24
BFH
Earnings call transcript
2023 Q4
25 Jan 24
BFH
Earnings call transcript
2023 Q3
26 Oct 23
BFH
Earnings call transcript
2023 Q2
27 Jul 23
BFH
Earnings call transcript
2023 Q2
27 Jul 23
BFH
Earnings call transcript
2023 Q1
27 Apr 23
BFH
Earnings call transcript
2022 Q4
26 Jan 23
BFH
Earnings call transcript
2022 Q3
27 Oct 22
Latest ownership filings
Financial summary
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Institutional ownership, Q2 2024
13F holders | Current |
---|---|
Total holders | 289 |
Opened positions | 52 |
Closed positions | 39 |
Increased positions | 90 |
Reduced positions | 91 |
13F shares | Current |
---|---|
Total value | 2.28 tn |
Total shares | 54.12 mm |
Total puts | 890.10 k |
Total calls | 286.90 k |
Total put/call ratio | 3.1 |
Largest owners | Shares | Value |
---|---|---|
Vanguard | 5.79 mm | $257.79 bn |
BLK BlackRock | 4.83 mm | $215.22 bn |
Turtle Creek Asset Management | 4.68 mm | $208.61 bn |
Dimensional Fund Advisors | 3.17 mm | $141.39 bn |
Wellington Management | 2.97 mm | $132.42 bn |
STT State Street | 1.99 mm | $88.83 bn |
HBCYF HSBC | 1.48 mm | $65.56 bn |
Millennium Management | 1.46 mm | $65.24 bn |
VA Partners I | 1.38 mm | $147.12 mm |
Victory Capital Management | 1.25 mm | $55.69 bn |
Recent insider trades
Date | Owner | Security | Transaction | Code | Indirect | 10b5-1 | $Price | #Shares | $Value | #Remaining |
---|---|---|---|---|---|---|---|---|---|---|
15 Oct 24 | Gerspach John C | Common Stock | Grant | Acquire A | No | No | 0 | 744 | 0.00 | 40,635 |
12 Aug 24 | John J. Fawcett | Common Stock | Buy | Acquire P | No | No | 49.8219 | 2,000 | 99.64 k | 5,473 |
15 Jul 24 | Perry S Beberman | Common Stock | Payment of exercise | Dispose F | No | No | 48.72 | 3,673 | 178.95 k | 120,154 |
15 Jul 24 | Gerspach John C | Common Stock | Grant | Acquire A | No | No | 0 | 887 | 0.00 | 39,891 |
15 Jul 24 | Praniti Lakhwara | Common Stock | Grant | Acquire A | No | No | 0 | 2,820 | 0.00 | 2,820 |
News
TD Cowen Maintains Hold on Bread Finl Hldgs, Raises Price Target to $50
28 Oct 24
Forecasting The Future: 8 Analyst Projections For Bread Finl Hldgs
25 Oct 24
Barclays Maintains Underweight on Bread Finl Hldgs, Lowers Price Target to $34
25 Oct 24
Bread Finl Hldgs Q3 Adj $1.84 Misses $1.86 Estimate, Sales $983.00M Beat $981.28M Estimate
24 Oct 24
Insights Ahead: Bread Finl Hldgs's Quarterly Earnings
23 Oct 24
Press releases
Bread Financial Provides Performance Update for September 2024
24 Oct 24
Bread Financial Reports Third Quarter 2024 Results
24 Oct 24
Bread Financial Declares Dividend on Common Stock
24 Oct 24
Bread Financial Schedules Third Quarter 2024 Earnings Conference Call for Oct. 24
8 Oct 24
Bread Financial™ Provides Performance Update for August 2024
16 Sep 24