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Upturn AI SWOT - About
Bread Financial Holdings Inc (BFH)
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Upturn Advisory Summary
03/27/2025: BFH (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -21.5% | Avg. Invested days 30 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 03/27/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.45B USD | Price to earnings Ratio 9.03 | 1Y Target Price 68.14 |
Price to earnings Ratio 9.03 | 1Y Target Price 68.14 | ||
Volume (30-day avg) 966530 | Beta 1.98 | 52 Weeks Range 31.57 - 66.48 | Updated Date 03/30/2025 |
52 Weeks Range 31.57 - 66.48 | Updated Date 03/30/2025 | ||
Dividends yield (FY) 1.68% | Basic EPS (TTM) 5.54 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 11.35% | Operating Margin (TTM) 15.75% |
Management Effectiveness
Return on Assets (TTM) 1.21% | Return on Equity (TTM) 9.35% |
Valuation
Trailing PE 9.03 | Forward PE 7.35 | Enterprise Value 4460617728 | Price to Sales(TTM) 1.01 |
Enterprise Value 4460617728 | Price to Sales(TTM) 1.01 | ||
Enterprise Value to Revenue 2.12 | Enterprise Value to EBITDA 6.08 | Shares Outstanding 49092400 | Shares Floating 48672125 |
Shares Outstanding 49092400 | Shares Floating 48672125 | ||
Percent Insiders 1.01 | Percent Institutions 102.68 |
Analyst Ratings
Rating 3.47 | Target Price 65.54 | Buy 2 | Strong Buy 4 |
Buy 2 | Strong Buy 4 | ||
Hold 9 | Sell 2 | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Bread Financial Holdings Inc
Company Overview
History and Background
Bread Financial Holdings, Inc., formerly Alliance Data Systems, was founded in 1996. Initially focused on loyalty marketing, it evolved into a provider of tech-forward payment and lending solutions.
Core Business Areas
- Bread Financial: Offers private label and co-branded credit cards, installment lending, and card-linked offers.
Leadership and Structure
Bread Financial is led by a CEO and executive team. The company has a board of directors overseeing its strategic direction and operations.
Top Products and Market Share
Key Offerings
- Private Label Credit Cards: Bread Financial provides private label credit cards for retailers. Market share varies by retailer agreement; direct market share figures are difficult to ascertain without detailed retailer data. Competitors include Synchrony Financial (SYF) and Capital One (COF).
- Co-Branded Credit Cards: Bread Financial offers co-branded credit cards in partnership with various brands. Market share data is partnership-specific. Competitors include American Express (AXP) and Discover Financial Services (DFS).
Market Dynamics
Industry Overview
The consumer finance industry is competitive and influenced by economic conditions, interest rates, and regulatory changes. The sector continues to evolve with the rapid adoption of digital payments. Market includes many different credit types, including retail cards, general-purpose credit cards, and buy now pay later.
Positioning
Bread Financial focuses on the retail and co-branded credit card market, providing solutions for retailers to build loyalty and drive sales. Their competitive advantage lies in their technology platform and retail partnerships.
Total Addressable Market (TAM)
The TAM for consumer credit cards in the US is estimated to be in the hundreds of billions of dollars. Bread Financial's market share represents a small portion of the total market, indicating substantial growth potential.
Upturn SWOT Analysis
Strengths
- Established partnerships with retailers
- Technology-driven platform
- Expertise in private label credit cards
Weaknesses
- Concentration risk in retail partnerships
- Sensitivity to economic downturns
- High marketing cost
Opportunities
- Expansion into new retail sectors
- Growth in e-commerce and digital payments
- Development of new financial products
Threats
- Increased competition from fintech companies
- Changes in consumer spending habits
- Regulatory scrutiny of credit card practices
Competitors and Market Share
Key Competitors
- SYF
- COF
- DFS
Competitive Landscape
Bread Financial competes with larger financial institutions and fintech companies. It differentiates itself through its focus on retail partnerships and technology-driven solutions.
Major Acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth trends are evident in Bread Financial's revenue and earnings reports over past years. Detailed analysis requires financial data.
Future Projections: Future growth projections are available from analyst reports, which consider factors such as market trends and company strategy.
Recent Initiatives: Recent initiatives would be highlighted in their press releases, investor presentations, and annual reports. For example, new partnerships or product launches.
Summary
Bread Financial is a focused provider of tech-forward payment solutions, particularly in the retail sector. Its strength lies in established retailer partnerships and a robust technology platform. The company faces challenges from economic conditions, rising competition, and possible concentration risk, while opportunities exist in expanding partnerships and new financial product development. The financial performance will depend on navigating this landscape effectively.
Similar Companies
- SYF
- COF
- DFS
- ALLY
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Investor Relations
- Third-party Financial Data Providers
Disclaimers:
This analysis is based on publicly available information and general market knowledge. It does not constitute financial advice. Market share estimates are approximate and subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Bread Financial Holdings Inc
Exchange NYSE | Headquaters Columbus, OH, United States | ||
IPO Launch date 2001-06-15 | President, CEO & Director Mr. Ralph J. Andretta | ||
Sector Financial Services | Industry Credit Services | Full time employees 6000 | Website https://www.breadfinancial.com |
Full time employees 6000 | 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 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.
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