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Zacks Company Profile for Bread Financial Holdings, Inc. (BFH : NYSE)
 
 • Company Description   
Bread Financial is a tech-forward financial services company which provides simple, personalized payment, lending and saving solutions. Bread Financial, formerly known as Alliance Data, is based in COLUMBUS, Ohio.

Number of Employees: 6,000

 
 • Price / Volume Information   
Yesterday's Closing Price: $60.40 Daily Weekly Monthly
20 Day Moving Average: 685,521 shares
Shares Outstanding: 46.55 (millions)
Market Capitalization: $2,811.57 (millions)
Beta: 1.38
52 Week High: $66.71
52 Week Low: $38.21
Short Interest Ratio:
  % Price Change % Price Change Relative to S&P 500
4 Week 17.15% 11.94%
12 Week 37.18% 17.17%
Year To Date -1.08% -7.35%
 
 • Address & Contact Information
Street Address Phone / Fax Email Address Web URL
3095 Loyalty Circle
-
Columbus,OH 43219
USA		 ph: 614-729-4000
fax: 214-494-3000		 investorrelations@breadfinancial.com http://www.breadfinancial.com
 
 • General Corporate Information   
Officers
Ralph J. Andretta - President and Chief Executive Officer
Roger H. Ballou - Chairman
Perry S. Beberman - Executive Vice President and Chief Financial Offic
J. Bryan Campbell - Senior Vice President
John J. Fawcett - Director

Peer Information
Bread Financial Holdings, Inc. (EIIN)
Bread Financial Holdings, Inc. (AFMI)
Bread Financial Holdings, Inc. (DRL)
Bread Financial Holdings, Inc. (GRFPY)
Bread Financial Holdings, Inc. (IGOT)
Bread Financial Holdings, Inc. (ATLC)
Industry / Sector / Ticker Info
Analyst Coverage: No
Industry Group: FIN-MISC SVCS
Sector: Finance
CUSIP: 018581108
SIC: 6141
Fiscal Year
Fiscal Year End: December
Last Reported Quarter: 03/01/25
Next Expected EPS Date: 07/24/25
Share - Related Items
Shares Outstanding: 46.55
Most Recent Split Date: (:1)
Beta: 1.38
Market Capitalization: $2,811.57 (millions)
 
 
 • EPS Information     • Dividend Information
Analyst Coverage: No Dividend Yield: 1.39%
Current Fiscal Quarter EPS Consensus Estimate: $2.19 Indicated Annual Dividend: $0.84
Current Fiscal Year EPS Consensus Estimate: $7.19 Payout Ratio: 0.11
Number of Estimates in the Fiscal Year Consensus: 7.00 Change In Payout Ratio: 0.02
Estmated Long-Term EPS Growth Rate: 7.47% Last Dividend Paid: 05/09/2025 - $0.21
Next EPS Report Date: 07/24/25  
 

 • Fundamental Ratios
P/E
Current FY Estimate: 8.41
Trailing 12 Months: 7.77
PEG Ratio: 1.13
Price Ratios
Price/Book: 0.92
Price/Cash Flow: 5.12
Price / Sales: 0.59
EPS Growth
vs. Year Ago Period: 4.76%
vs. Previous Quarter: 597.56%
Sales Growth
vs. Year Ago Period: -3.55%
vs. Previous Quarter: 3.28%
ROE
06/30/25 - -
03/31/25 - 12.60
12/31/24 - 12.41
ROA
06/30/25 - -
03/31/25 - 1.75
12/31/24 - 1.72
Current Ratio
06/30/25 - -
03/31/25 - 1.17
12/31/24 - 1.15
Quick Ratio
06/30/25 - -
03/31/25 - 1.17
12/31/24 - 1.15
Operating Margin
06/30/25 - -
03/31/25 - 8.21
12/31/24 - 7.99
Net Margin
06/30/25 - -
03/31/25 - 5.89
12/31/24 - 5.75
Pre-Tax Margin
06/30/25 - -
03/31/25 - 8.20
12/31/24 - 7.96
Book Value
06/30/25 - -
03/31/25 - 65.91
12/31/24 - 61.37
Inventory Turnover
06/30/25 - -
03/31/25 - -
12/31/24 - -
Debt-to-Equity
06/30/25 - -
03/31/25 - 0.42
12/31/24 - 0.33
Debt-to-Capital
06/30/25 - -
03/31/25 - 29.54
12/31/24 - 24.67
 

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