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Company Analysis

Bread Financial Holdings, Inc. BFH

A comprehensive view of key metrics, scores, and financial health for Bread Financial Holdings, Inc.

Overview of Bread Financial Holdings, Inc.

BFH NYQ
Financial Services Credit Services Framework: Banks & Lenders Mid Cap
Bread Financial Holdings, Inc. (BFH), is a Mid Cap company, in the Credit Services industry, last closed at $101.71, about 28.7% overvalued vs fair value, +100.5% 1Y return, ranked 530/1037 in sector.
Metrics Rev Growth 0.2% ROE 16.2% Div Yield 1.24%
USD 101.71
0.08%
(Delayed)
• Vol 90d: 44.8%
52-Week Range
Market Cap
$4.11B
Enterprise Value
$4.90B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Good
Health
Weak
Efficiency
Good
Valuation
Fair
Growth
Fair
Profitability
Good
Health
Weak
Efficiency
Good
Valuation
Fair
Completeness: 82%
Confidence: 80%
Updated: Mar 8
Top Beats

Quick Facts

Website https://www.breadfinancial.com
HQ Columbus, OH
Employees 6,000
Fiscal year Dec 31

Next Events

Dividend Jun 15
Earnings Jul 23 Estimated

Fair Value Snapshot

Bear Base Bull
$40
$73
$136
Current: $101.71 -29% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$4.9B
-2.2%%
Interest Expense
$854.0M
Net Interest Income
$4.1B
-0.1%%
Total Revenue
$3.8B
0.2%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
15.6%
Excellent

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$355.0M
68.5% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Bread Financial Holdings, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
45
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Developing
40
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing BFH's balance between Growth (19.2%), Profitability (45.1%), and Safety (35.7%). Growth 19% Safety 36% Profitability 45%

Click axes to expand details. Marker shows current allocation.

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Growth

32th percentile vs peers
32
Key Signals
NII Growth YoY -0.1% 42p Equity Growth YoY 9.0% 66p Asset Growth YoY -1.0% 14p EPS Growth YoY -61.7% 10p
Strengths
  • Net Interest Margin in top 20% of peers (17.9%, 98th percentile)
  • ROTE in top 20% of peers (21.1%, 90th percentile)
  • ROA in top 20% of peers (2.3%, 92th percentile)
  • ROE in top 20% of peers (16.2%, 89th percentile)
  • Equity/Assets in top 20% of peers (14.7%, 82th percentile)
Risks
  • Asset Growth YoY in bottom 20% of peers (-1.0%)
  • EPS Growth YoY in bottom 20% of peers (-61.7%)
  • Growth below peer median (percentile: 32)

Profitability

76th percentile vs peers
76
Key Signals
Strengths
Risks
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Safety

60th percentile vs peers
60
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Bread Financial Holdings, Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$72.51
- - -
-28.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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