Business Description
Bread Financial Holdings Inc
NAICS : 522210
SIC : 6159
ISIN : BRA1LLBDR007
Share Class Description:
BSP:A1LL34: BRDRTotal Employee Number:
6,000Description
Formed by a combination of JCPenney's credit card processing unit and The Limited's credit card bank business, Bread Financial is a provider of private-label and co-branded credit cards, loyalty programs, and marketing services. The company's most financially significant unit is its credit card business that partners with retailers to jointly market Bread's credit cards to their customers. The company also retains a minority interest in spun-off LoyaltyOne, which operates the largest airline miles loyalty program in Canada and offers marketing services to grocery chains in Europe and Asia.
Financial Strength
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | 0.92 | |||||
Equity-to-Asset | 0.15 | |||||
Debt-to-Equity | 1.19 | |||||
Debt-to-EBITDA | N/A |
N/A
|
N/A
| |||
Interest Coverage | N/A |
N/A
|
N/A
| |||
Piotroski F-Score | 9/9 | |||||
Beneish M-Score | -2.73 | |||||
WACC vs ROIC | ||||||
Growth Rank
3/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | 1.4 | |||||
3-Year EPS without NRI Growth Rate | 40 | |||||
3-Year FCF Growth Rate | 7.3 | |||||
3-Year Book Growth Rate | 18.5 | |||||
Future 3-5Y EPS without NRI Growth Rate Estimate Industry Rank | 9.97 | |||||
Future 3-5Y Total Revenue Growth Rate Estimate | 3.76 |
Momentum Rank
2/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
5-Day RSI | 9.33 | |||||
9-Day RSI | 23.32 | |||||
14-Day RSI | 35.34 | |||||
3-1 Month Momentum % | 32.4 | |||||
6-1 Month Momentum % | 20.31 | |||||
12-1 Month Momentum % | 54.9 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Dividend Yield % | 0.68 | |||||
Dividend Payout Ratio | 0.05 | |||||
3-Year Dividend Growth Rate | 0.8 | |||||
Forward Dividend Yield % | 0.68 | |||||
5-Year Yield-on-Cost % | 0.52 | |||||
3-Year Average Share Buyback Ratio | 4 | |||||
Shareholder Yield % | 34.33 |
Profitability Rank
7/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Net Margin % | 14.44 | |||||
FCF Margin % | 56.22 | |||||
OCF Margin % | 56.22 | |||||
ROE % | 17.34 | |||||
ROA % | 2.53 | |||||
Years of Profitability over Past 10-Year | 10 | |||||
Moat Score | 4 | |||||
Tariff Resilience Score | 8 |
GF Value Rank
1/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PE Ratio | 7.91 | |||||
Forward PE Ratio | 8.39 | |||||
PE Ratio without NRI | 7.75 | |||||
Shiller PE Ratio | 7.86 | |||||
Price-to-Owner-Earnings | 6.38 | |||||
PEG Ratio | 0.42 | |||||
PS Ratio | 1.15 | |||||
PB Ratio | 1.21 | |||||
Price-to-Tangible-Book | 1.53 | |||||
Price-to-Free-Cash-Flow | 2.05 | |||||
Price-to-Operating-Cash-Flow | 2.05 | |||||
EV-to-Forward-EBITDA | 5.88 | |||||
EV-to-Revenue | 1.82 | |||||
EV-to-Forward-Revenue | 1.99 | |||||
EV-to-FCF | 3.25 | |||||
Price-to-GF-Value | 1.69 | |||||
Price-to-Projected-FCF | 0.18 | |||||
Price-to-Median-PS-Value | 1.21 | |||||
Price-to-Peter-Lynch-Fair-Value | 0.52 | |||||
Price-to-Graham-Number | 0.73 | |||||
FCF Yield % | 55.67 | |||||
Forward Rate of Return (Yacktman) % | 53.8 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
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Performance
Dividend
Log
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Annualized Return % Â
Total Annual Return % Â
Bread Financial Holdings Inc Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil R$) | 21,002.561 | ||
| EPS (TTM) (R$) | 16.502 | ||
| Beta | -0.1367 | ||
| 3-Year Sharpe Ratio | 1.11 | ||
| 3-Year Sortino Ratio | 1.98 | ||
| Volatility % | 40.43 | ||
| 14-Day RSI | 35.34 | ||
| 14-Day ATR (R$) | 1.856859 | ||
| 20-Day SMA (R$) | 132.2865 | ||
| 12-1 Month Momentum % | 54.9 | ||
| 52-Week Range (R$) | 71.48 - 140.76 | ||
| Shares Outstanding (Mil) | 161.63 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 9 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
Bread Financial Holdings Inc Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
Bread Financial Holdings Inc Stock Events
| Event | Date | Price (R$) | ||
|---|---|---|---|---|
| Third quarter earnings conference call for 2026 | 2026-10-23 08:30 | In 102 days | ||
| Third quarter earnings results for 2026 | 2026-10-23 | In 101 days | ||
| Second quarter earnings conference call for 2026 | 2026-07-23 08:30 | In 10 days | ||
| Second quarter earnings results for 2026 | 2026-07-23 | In 9 days | ||
| Morgan Stanley US Financials Conference | 2026-06-10 10:30 | 121.10 (+15.18%) | ||
| BRL 0.204366 Cash Dividend | 2026-05-28 | 113.41 (-0.19%) | ||
| General meeting for 2026 | 2026-05-19 10:00 | 105.50 (+0.00%) | ||
| First quarter earnings conference call for 2026 | 2026-04-23 08:30 | 114.40 (+0.00%) | ||
| First quarter earnings results for 2026 | 2026-04-23 | 114.40 (+0.00%) | ||
| Guidance call for 2026 | 2026-03-11 14:00 | 93.00 (+11.36%) |
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Bread Financial Holdings Inc Frequently Asked Questions
What is Bread Financial Holdings Inc(BSP:A1LL34)'s stock price today?
The current price of BSP:A1LL34 is R$120.77. The 52 week high of BSP:A1LL34 is R$140.76 and 52 week low is R$71.48.
When is next earnings date of Bread Financial Holdings Inc(BSP:A1LL34)?
The next earnings date of Bread Financial Holdings Inc(BSP:A1LL34) is 2026-07-23.
Does Bread Financial Holdings Inc(BSP:A1LL34) pay dividends? If so, how much?
The Dividend Yield %  of Bread Financial Holdings Inc(BSP:A1LL34) is 0.68% (As of Today), Highest Dividend Payout Ratio of Bread Financial Holdings Inc(BSP:A1LL34) was 0.19. The lowest was 0.03. And the median was 0.11. The  Forward Dividend Yield % of Bread Financial Holdings Inc(BSP:A1LL34) is 0.68%. For more information regarding to dividend, please check our Dividend Page.
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