Bread Financial Holdings, Inc.

NYQ: BFH
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📈 ZcoreAI Score

Our AI model analyzes Bread Financial Holdings, Inc.'s price action across multiple timeframes using regression channels and statistical scoring.

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About Bread Financial Holdings, Inc.

Financial Services Credit Services
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, underwriting, and funding services for private label and co-brand credit card programs, as well as through Bread Pay partnerships. 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 Pay, 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. Additionally, it offers retail and deposit products, primarily in the form of certificates of deposit and high-yield savings accounts, including traditional and Roth Individual Retirement Accounts. The company 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.

📊 Fundamental Analysis

Bread Financial Holdings, Inc. demonstrates a profit margin of 19.9%, which is below the sector average, suggesting competitive pressure.

The company recently reported 18.5% revenue growth, which is well above average for the Financial Services sector.

Return on Equity (ROE) is 16.3%, which exceeds the Financial Services sector average, reflecting efficient capital allocation.

At a current price of $78.98, BFH currently trades near the top of its 52-week range (92%) (Range: $43.78 - $82.03).

💰 Valuation Insight

BFH trades at a 39.9% discount (PE: 7.21), which may represent a value opportunity given the sector average of 12.00. Analysts expect earnings growth, as indicated by a lower forward PE.

🏥 Financial Health

🔴 Profit Margin Weak
Revenue Growth Excellent
⚠️ Return on Equity Moderate
⚠️ Beta (Risk) Moderate Volatility

Key Financials

Market Cap
$3.41B
Trailing P/E
7.21
Forward P/E
6.66
Beta (5Y)
1.14
52W High
$82.03
52W Low
$43.78
Avg Volume
798K
Day High
Day Low
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