Skip to Content

Bread Financial Holdings Inc BFH

Morningstar Rating

Trading Information

Previous Close Price
$35.58
Day Range
$33.8536.86
52-Week Range
$23.2341.90
Bid/Ask
$36.67 / $36.80
Market Cap
$1.82 Bil
Volume/Avg
625,823 / 752,642

Key Statistics

Price/Earnings (Normalized)
3.02
Price/Sales
0.41
Dividend Yield (Trailing)
2.34%
Dividend Yield (Forward)
2.34%
Total Yield
4.66%

Company Profile

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.
Sector
Financial Services
Industry
Credit Services
Stock Style Box
Small Value
Total Number of Employees
7,000

Competitors

Valuation

Metric
BFH
SYF
DFS
Price/Earnings (Normalized)
3.028.6911.05
Price/Book Value
0.601.292.28
Price/Sales
0.411.231.91
Price/Cash Flow
0.912.133.72
Price/Earnings
BFH
SYF
DFS

Financial Strength

Metric
BFH
SYF
DFS
Quick Ratio
Current Ratio
Interest Coverage
Quick Ratio
BFH
SYF
DFS

Profitability

Metric
BFH
SYF
DFS
Return on Assets (Normalized)
3.39%2.06%2.12%
Return on Equity (Normalized)
28.54%17.90%22.27%
Return on Invested Capital (Normalized)
Return on Assets
BFH
SYF
DFS
See how this stock stacks up to its competitors with Morningstar Investor

Credit Services Industry Comparables

Ticker
Name
Morningstar Rating for Stocks
Capital Allocation
Economic Moat
Market Cap
V
Visa Inc Class AHkjbbxvdMgnk$563.0 Bil
MA
Mastercard Inc Class AFgqmrdjKkdz$431.5 Bil
AXP
American Express CoVwpycfrrzHkjd$156.6 Bil
PYPL
PayPal Holdings IncDdjxtjmxDvwyln$67.8 Bil
COF
Capital One Financial CorpWscvstwzWdpnp$56.6 Bil
DFS
Discover Financial ServicesTfxmdknjDgfyhpg$32.3 Bil
SYF
Synchrony FinancialRmqkpywqsRrlq$17.4 Bil
ALLY
Ally Financial IncWrtcvfrfGttq$12.1 Bil
SOFI
SoFi Technologies Inc Ordinary SharesPclwrkwyfLyvb$8.0 Bil
WU
The Western Union CoYwvmnxwfHzlhqsw$4.6 Bil

Sponsor Center