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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 private label and co-brand credit card programs, as well as through Bread partnerships; 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 installment loans and 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. It offers its products under the Bread, Bread Financial, Bread Cashback, Bread Rewards, Bread Pay, and Bread Savings brands. 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 incorporated in 1995 and is headquartered in Columbus, Ohio.
Credit Quality Boost | Explore Bread Financial's improving credit metrics, with lower delinquency rates and net charge-offs, potentially leading to reduced provisioning and enhanced profitability. |
Revenue Headwinds | Delve into the challenges facing Bread Financial, including declining loan balances, pressure on net interest margins, and intense competition from BNPL providers. |
Capital Strategy | Learn about Bread Financial's capital management approach, balancing shareholder returns through buybacks and dividends with maintaining a strong 14% CET1 ratio. |
Analyst Outlook | Discover varied analyst perspectives on Bread Financial, with price targets ranging from $45 to $68, reflecting the complex landscape the company navigates. |
Metrics to compare | BFH | Sector Sector - Average of metrics from a broad group of related Financial sector companies | Relationship RelationshipBFHPeersSector | |
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P/E Ratio | 10.1x | 14.7x | 9.8x | |
PEG Ratio | −0.25 | 0.04 | 0.03 | |
Price/Book | 0.9x | 1.1x | 1.0x | |
Price / LTM Sales | 1.2x | 2.2x | 2.9x | |
Upside (Analyst Target) | 9.8% | 18.1% | 9.9% | |
Fair Value Upside | Unlock | 11.4% | 0.8% | Unlock |