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Earnings transcript
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BFH
Bread Financial Holdings, Inc.
$73.02
-0.55
(-0.75%)
| Exchange: | NYSE |
| Market Cap: | 3.33B |
| Shares Outstanding: | 41.729M |
About The Company
| Sector: | Financial Services | |||||
| Industry: | Financial – Credit Services | |||||
| CEO: | Ralph J. Andretta | |||||
| Full Time Employees: | 6000 | |||||
| Address: |
| |||||
| Website: | https://www.breadfinancial.com |
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.
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Revenue Segmentation
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 5,174,000 | 4,798,000 | 4,699,000 |
| Gross Profit | 3,066,000 | 2,441,000 | 2,976,000 |
| EBITDA | 1,084,000 | 471,000 | 694,000 |
| Operating Income | 968,000 | 381,000 | 614,000 |
| Net Income | 718,000 | 277,000 | 518,000 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 23,141,000 | 22,891,000 | 22,663,000 |
| Total Liabilities | 20,223,000 | 19,840,000 | 19,336,000 |
| Total Stockholders Equity | 2,918,000 | 3,051,000 | 3,327,000 |
| Total Debt | 5,440,000 | 5,685,000 | 4,308,000 |
| Cash and Cash Equivalents | 3,590,000 | 3,679,000 | 3,604,000 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 1,987,000 | 1,859,000 | 2,092,000 |
| Capital Expenditure | 0 | 0 | 0 |
| Free Cash Flow | 1,987,000 | 1,859,000 | 2,092,000 |
| Net Income | 718,000 | 277,000 | 518,000 |
| Net Change in Cash | -311,000 | 98,000 | -86,000 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2028 | Full Access | Full Access | Full Access | Full Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 4,220,073.458 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (High) | 4,247,605.875 | Full Access | Full Access | Full Access | Full Access |
| Estimated Revenue (Avg) | 4,233,839.667 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Low) | 765,259.589 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (High) | 770,252.262 | Full Access | Full Access | Full Access | Full Access |
| Estimated Ebitda (Avg) | 767,755.926 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Low) | 522,605.551 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (High) | 748,282.476 | Full Access | Full Access | Full Access | Full Access |
| Estimated Net Income (Avg) | 635,444.014 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Low) | 986,400.495 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (High) | 992,835.925 | Full Access | Full Access | Full Access | Full Access |
| Estimated SGA Expense (Avg) | 989,618.210 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Avg) | 13.810 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (High) | 16.270 | Full Access | Full Access | Full Access | Full Access |
| Estimated EPS (Low) | 11.360 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated Revenue) | 4 | Full Access | Full Access | Full Access | Full Access |
| Number of Analysts (Estimated EPS) | 2 | Full Access | Full Access | Full Access | Full Access |
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Current Key Metrics
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Login — it's freeSWOT Analysis
Strengths (preview)
- Strong Revenue Performance: BFH has demonstrated consistent revenue growth as per the income statement data, reflecting robust operational performance and market demand for its products or services within the industry.
- Positive Free Cash Flow: The cash flow statements indicate a healthy free cash flow yield (as per key metrics), suggesting efficient cash generation and the ability to fund operations, investments, and potential dividend payments without relying heavily on external financing.
- Solid Gross Profit Margin: Key metrics show a competitive gross profit margin (TTM), indicating effective cost management and pricing power relative to peers in the sector, which supports profitability.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MARKETSnap estimates BFH intrinsic value between $243.59 – $542.74 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about BFH valuation
Is Bread Financial Holdings, Inc. (BFH) overvalued or undervalued right now?
MARKETSnap estimates intrinsic value for Bread Financial Holdings, Inc. (BFH) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is BFH a buy, hold, or sell for long-term investors?
MARKETSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether BFH trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is BFH’s P/E ratio?
You can see BFH’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for BFH?
MARKETSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MARKETSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is BFH a good long-term investment?
Whether BFH fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MARKETSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
BFH
1-day price chart preview. Log in for 1W through 5Y ranges and period tabs.
Daily snapshot
-0.75
Trading Metrics:
| Open: | 72.21 | Previous Close: | 73.57 | |
| Day Low: | 70.24 | Day High: | 74.21 | |
| Year Low: | 38.21 | Year High: | 82.03 | |
| Price Avg 50: | 73.45 | Price Avg 200: | 66.47 | |
| Volume: | 692047 | Average Volume: | 757508 |
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Login — it's freeBFH full analysis
Welcome to MARKETSNAP’s SWOT analysis for Bread Financial Holdings, or BFH as it’s known on the ticker. If you’re not familiar with Bread Financial, let me give you the quick rundown. This company operates in the financial services space, specifically focusing on payment solutions, credit card programs, and digital banking services. They’re a key player in the industry, often partnering with big retailers to offer branded credit cards and loyalty programs. Based in the U.S., they’ve got a solid footprint…
