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Bread Financial Holdings Inc BFH Stock Quote

Morningstar Rating
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NYSE: BFH

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  • Last Close 34.34
  • Sector Financial Services
  • Industry Credit Services
  • Investment Style Small Value
  • Day Range 33.97  –  34.86
  • Year Range 23.19  –  43.24
  • Market Cap 1.7247 Bil
  • Volume / Avg 482,909.0 /  721,710.7
  • Price / Sales 0.42
  • Price / Book 0.63
  • Forward Div Yield 2.81%
  • Trailing Div Yield 2.45%

Morningstar‘s Stock Analysis BFH

Valuation
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Is it the right time to buy or sell?
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Economic Moat

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Capital Allocation

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Bread Financial Faces Challenges as Credit Costs Continue To Rise

Michael Miller Equity Analyst

Business Strategy and Outlook

| Michael Miller |

After the sale of Epsilon in 2019 and spinoff of LoyaltyOne in 2021, Bread Financial is now solely a consumer credit company, with its private-label credit cards and buy now/pay later businesses its only two product lines. However, Bread’s retail credit card business is under pressure as it continues to lose major partners, losing Wayfair and Meijer to Citi in 2020 and BJ's Wholesale Club to Capital One at the start of 2022. We see retail partner loss as an ongoing threat to Bread as the firm does not have a competitive advantage that would give it an edge in retaining partnerships during contract renewal negotiations.

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Key Statistics BFH

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Company Profile BFH

Business Description

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 minority interest in its recently spun-off LoyaltyOne division, which operates the largest airline miles loyalty program in Canada and offers marketing services to grocery chains in Europe and Asia.

Contact
3075 Loyalty Circle
Columbus, OH, 43219
Sector Financial Services
Industry Credit Services
Employees 7,500

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Competitors & Peers BFH

More on BFH’s Competitors & Peers

Morningstar analysts hand-select direct competitors or comparable companies to provide context on the strength and durability of BFH’s competitive advantage.

Bread Financial Holdings Inc

XNYS: BFH

Discover Financial Services

XNYS: DFS

Synchrony Financial

XNYS: SYF
Price
34.3486.3330.87
Currency
USDUSDUSD
Change
+$0.63 (1.87%) +$1.07 (1.26%) +$0.69 (2.29%)
Market Cap
1.72 Bil21.58 Bil12.91 Bil
Industry
Credit Services Credit Services Credit Services
Sector
Financial Services
Financial Services
Financial Services

* Trading data in this section is delayed by at least 15 minutes.

FAQs for Bread Financial Holdings Inc Stock

Yes. BFH has a forward dividend yield of 2.45%. See BFH’s full dividends and stock split history on the Dividend tab.
Dividend yield allows investors, particularly those interested in dividend-paying stocks, to compare the relationship between a stock’s price and how it rewards stockholders through dividends. The formula for calculating dividend yield is to divide the annual dividend paid per share by the stock price.

Learn more about dividend yield.

BFH’s market cap is 1.72 Bil.
Market capitalization is calculated by taking a company’s share price and multiplying it by the total number of shares. It’s often used to measure a company’s size. In the Morningstar Style Box, large-cap names account for the largest 70% of U.S. stocks, mid-cap names account for the largest 70–90%, and small-cap names are the remaining 10% of companies.

Learn more about market capitalization.

BFH’s stock style is Small Value.
Style is an investment factor that has a meaningful impact on investment risk and returns. Style is calculated by combining value and growth scores, which are first individually calculated.

High-growth stocks tend to represent the technology, healthcare, and communications sectors. They rarely distribute dividends to shareholders, opting for reinvestment in their businesses. More value-oriented stocks tend to represent financial services, utilities, and energy stocks. These are established companies that reliably pay dividends.

Learn more about style.

BFH’s price/sales is 0.42.
Price/sales represents the amount an investor is willing to pay for a dollar generated from a particular company’s sales or revenues.

BFH’s price/forward earnings is 3.32.
Forward P/E gives some indication of how cheap or expensive a stock is compared with consensus earnings estimates. The lower the Forward P/E, the cheaper the stock.

BFH’s price/book is 0.63.
Price/book ratio can tell investors approximately how much they’re paying for a company’s assets, based on historical, rather than current, valuations. Historical valuations generally do not reflect a company’s current market value. Value investors frequently look for companies that have low price/book ratios.

See BFH’s valuation ratios compared to the Market Index.

BFH’s beta can be found in Trading Information at the top of this page.
A stock’s beta measures how closely tied its price movements have been to the performance of the overall market.

Compare BFH’s historical performance against its industry peers and the overall market.