Bread Financial Holdings Inc

Bread Financial Holdings, Inc. engages in the provision of data-driven and transaction-based marketing, customer loyalty and payment solutions. Its products and services include credit cards, loan financing, processing, and servicing, marketing, data and analytics, and digital offerings. The company was founded in 1996 and is headquartered in Columbus, OH.

Earnings data Q1 2021

Earnings data Q2 2021

Earnings data Q3 2021

Earnings data Q4 2021

Earnings data Q1 2022

Earnings data Q2 2022

Earnings data Q3 2022

Earnings data Q4 2022

Earnings data Q1 2023

Earnings data Q2 2023

Earnings data Q3 2023

Earnings data Q4 2023

Earnings data Q1 2024

Earnings data Q2 2024

Earnings data Q3 2024

Earnings data Q4 2024

Bread Financial Holdings Inc reports strong Q4 performance amidst challenges

Bread Financial Holdings Inc's Q4 2022 performance reflects robust revenue growth, successful product launches, and strategic partnerships, despite facing challenges related to regulatory uncertainties and inflationary pressures.
The company's focus on innovation, technology investments, and digital channels positions it well to capitalize on market opportunities and drive future growth through enhanced customer experiences.
Navigating economic challenges and maintaining growth momentum while addressing portfolio risks and competitive pressures will be key focus areas for Bread Financial Holdings Inc in the coming quarters.

Bread Financial Holdings Inc reports robust Q1 performance amidst economic challenges

BFH's Q1 earnings call highlighted strong financial performance, strategic initiatives, and a focus on balance sheet strength. The company faces challenges from consumer pressures and economic uncertainties but has opportunities to leverage its competitive strengths and adapt to changing market dynamics.

Bread Financial reduces debt, faces macro challenges, eyes growth opportunities

Bread Financial's Q2 performance reflects a mix of achievements and challenges amidst macroeconomic headwinds impacting credit sales and expenses.
The company's strengths lie in its strategic focus on responsible growth, diversified portfolio, and improved credit risk management practices.
While facing challenges such as elevated delinquency rates and processing expenses, Bread Financial can leverage opportunities in new partnerships and evolving consumer spending habits for future growth.

Bread Financial reports solid Q3 earnings amidst regulatory challenges

Bread Financial Holdings Inc had a strong Q3 performance with a focus on responsible growth and capital strengthening. Challenges lie ahead with expected slowing sales growth and higher loss rates in 2023. The company is proactively addressing regulatory changes and aiming to balance profitability with capital requirements.

Bread Financial reports resilient Q4 performance amidst macroeconomic challenges

Bread Financial Holdings Inc navigated challenging macroeconomic conditions in Q4 2023 to achieve sustainable growth and financial resilience. Despite facing higher credit losses and regulatory uncertainties, the company focused on managing risks, enhancing efficiency, and driving long-term value creation. Anticipated balanced growth in 2024 presents opportunities for responsible expansion and mitigating potential regulatory impacts.

Bread Financial reports solid Q1 earnings amidst market challenges

Bread Financial's Q1 2024 performance reflects resilience amidst challenging market conditions, with a focus on financial stability and responsible growth.
The company's proactive measures to strengthen the balance sheet, reduce debt, and adapt to regulatory changes position it well for long-term success.
Despite challenges from consumer spending moderation and regulatory adjustments, Bread Financial remains committed to shareholder value, innovation, and operational excellence.

Bread Financial Holdings Inc reports solid Q2 performance and strategic growth outlook

Bread Financial Holdings Inc demonstrated resilience and strategic growth initiatives in Q2 2024 despite challenges in credit sales and revenue.
The company's focus on responsible growth, risk management, and operational excellence positions it well for sustainable performance.
With a strong financial foundation, strategic partnerships, and proactive risk mitigation strategies, Bread Financial Holdings Inc is poised for continued success.

Bread Financial Holdings Inc reports strong Q3 performance and growth opportunities

Bread Financial Holdings Inc (BFH) delivered a solid performance in Q3, marked by strong financial results and strategic initiatives. While facing challenges related to regulatory changes and seasonal delinquency rates, the company remains focused on responsible growth and capital improvement. With a diverse product suite and mitigation strategies in place, BFH is poised for continued success.

Revenue

Cost of revenue

Gross profit

Operating expenses

SG&A

Other

Operating income

EBITDA

Net income

Earnings per share

Total assets

Current assets

Cash & equivalents

Receivables

Inventory

Non-current assets

Net PPE

Intangibles

Total liabilities

Current liabilities

Short term debt

Income tax payable

Non-current liabilities

Long-term debt

Total equity

Stockholders equity

Minority interest

Total liabilities & equity

Total debt

Net debt

Book value per share

Cash from operations

Funds from operations

Change in working capital

Cash from investing

Capital expenditure

Purchase/sale of investments

Purchase/sale of business

Other sources

Cash from financing

Change in stock

Change in debt

Cash dividends paid

Cash from other sources

Net change in cash

Free cash flow

Bread Financial Holdings, Inc. engages in the provision of payment, lending, and saving solutions. The firm also offers private label and co-brand credit cards and buy now, pay later products such as installment loans and split-pay offerings. The company was founded in 1996 and is headquartered in Columbus, OH.

COLUMBUS, Ohio, April 25, 2024 (GLOBE NEWSWIRE) -- Bread Financial Holdings, Inc.  (NYSE: BFH), a tech-forward financial services company that provides simple, flexible payment, lending and saving solutions, today announced its first quarter 2024 financial results. All earnings-related materials are now available at the company's investor relations website,  here .

Bread Financial™ Reports First Quarter 2024 Results

Alaska Air Group

CVR Energy

General Motors

We believe that stocks like General Motors (GM), CVR Energy (CVI), Alaska Air (ALK), Alta Equipment (ALTG) and Bread Financial (BFH) should be on an investor's watchlist.

5 Broker-Favored Stocks to Watch as Inflation Woes Resurface

COLUMBUS, Ohio, April 09, 2024 (GLOBE NEWSWIRE) -- Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, flexible payment, lending and saving solutions, will host a conference call on Thursday, April 25, 2024, at 8:30 a.m. ET to discuss the company's first quarter 2024 results.

Bread Financial(TM) Schedules First Quarter 2024 Earnings Conference Call for April 25

COLUMBUS, Ohio, March 13, 2024 (GLOBE NEWSWIRE) -- Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions, provided a performance update. The following tables present the Company's net loss rate and delinquency rate for the periods indicated.

Bread Financial Provides Performance Update For February 2024

COLUMBUS, Ohio, Feb. 28, 2024 (GLOBE NEWSWIRE) -- Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions, today announced the company's participation in the 2024 RBC Capital Markets Financial Institutions Conference on Wednesday, Mar. 6 and the Wolfe FinTech Forum 2024 on Wednesday, Mar. 13. Bread Financial EVP and Chief Financial Officer Perry Beberman will participate in a fireside chat at the 2024 RBC Capital Markets Financial Institutions Conference and the Wolfe FinTech Forum 2024.

Bread Financial™ to Participate in the 2024 RBC Capital Markets Financial Institutions Conference and the Wolfe FinTech Forum 2024

American Axle & Manufacturing Hlds

Cardinal Health

Cross Country Healthcare

Deutsche Bank

We believe that stocks like Deutsche Bank (DB), Cross Country Healthcare (CCRN), Bread Financial (BFH), American Axle (AXL) and Cardinal Health (CAH) should be on an investor's watchlist.

5 Stocks Favored by Brokers Amid the Current Uncertainty

COLUMBUS, Ohio, Feb. 21, 2024 (GLOBE NEWSWIRE) -- Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions, today announced that its Board of Directors has approved a new plan to purchase up to $30 million of shares of the Company's common stock.

Bread Financial™ Announces Approval of $30 Million Share Repurchase Program

COLUMBUS, Ohio, Feb. 15, 2024 (GLOBE NEWSWIRE) -- Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions, provided a performance update. The following tables present the Company's net loss rate and delinquency rate for the periods indicated.

Bread Financial Provides Performance Update for January 2024

Excess savings from the pandemic are decreasing, but positive real wages and low unemployment are supporting robust domestic spending. Holiday shopping trends were strong, with significant growth in buy now, pay later activity.

Consumer Spending Remains Strong, Sticking With Bread Financial

Bread Financial today announced the company's participation in the Bank of America Financial Services Conference and KBW's Fintech & Payments Conference.

Bread Financial™ to Participate in the Bank of America 2024 Financial Services Conference and KBW's 2024 Fintech & Payments Conference

Bread Financial's (BFH) fourth-quarter results reflect the execution of growth initiatives and the strengthening of the balance sheet by lowering the debt level.

Bread Financial (BFH) Q4 Earnings Beat, Revenues Fall Y/Y

Bread Financial Holdings, Inc. (BFH) Q4 2023 Earnings Call Transcript

Although the revenue and EPS for Bread Financial (BFH) give a sense of how its business performed in the quarter ended December 2023, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.

Here's What Key Metrics Tell Us About Bread Financial (BFH) Q4 Earnings

Bread Financial Holdings (BFH) came out with quarterly earnings of $0.90 per share, beating the Zacks Consensus Estimate of a loss of $0.73 per share. This compares to loss of $2.68 per share a year ago.

Bread Financial Holdings (BFH) Tops Q4 Earnings and Revenue Estimates

COLUMBUS, Ohio--(BUSINESS WIRE)--Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions, provided a performance update. The following tables present the Company's net loss rate and delinquency rate for the periods indicated.   For the month ended December 31, 2023   For the three months ended December 31, 2023   (dollars in millions) End-of-period credit card and other loans $ 19,333     $ 19.

Bread Financial™ Provides Performance Update for December 2023

COLUMBUS, Ohio--(BUSINESS WIRE)--Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, flexible payment, lending and saving solutions, today announced its fourth quarter and full year 2023 financial results. All earnings-related materials are now available at the company's investor relations website, here. Bread Financial President and Chief Executive Officer Ralph Andretta and Chief Financial Officer Perry Beberman will host a conference ca.

Bread Financial™ Reports Fourth Quarter and Full Year 2023 Results

Looking beyond Wall Street's top -and-bottom-line estimate forecasts for Bread Financial (BFH), delve into some of its key metrics to gain a deeper insight into the company's potential performance for the quarter ended December 2023.

Seeking Clues to Bread Financial (BFH) Q4 Earnings? A Peek Into Wall Street Projections for Key Metrics

COLUMBUS, Ohio--(BUSINESS WIRE)--Bread Financial™ (NYSE: BFH) today announced that Allegra Driscoll has been named executive vice president and chief technology officer.

Bread Financial Names New Chief Technology Officer

American Airlines

Cleveland-Cliffs

Delta Air Lines

We believe that stocks like American Airlines (AAL), Alaska Air Group (ALK), Delta Air Lines (DAL), Cleveland-Cliffs (CLF) and Bread Financial (BFH) should be on an investor's watchlist.

5 Broker-Favored Stocks to Watch as Inflation Rises Again

Bread Financial (BFH) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.

Will Bread Financial Holdings (BFH) Report Negative Earnings Next Week? What You Should Know

MIAMI--(BUSINESS WIRE)-- #ROI--Nucleus Research announced the findings of a study into the benefits that financial services provider, Bread Financial realized from implementing financial wellness solution, BrightPlan. Nucleus found that the deployment of BrightPlan translated to a reduction in turnover by approximately 22 percent and an annual savings of more than half a million dollars. This delivered a 75 percent Return on Investment (ROI) for Bread Financial who was able to recover its initial inve.

Bread Financial Achieves 75% ROI by Implementing BrightPlan According to Nucleus Research ROI Case Study

COLUMBUS, Ohio--(BUSINESS WIRE)--Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, flexible payment, lending and saving solutions, will host a conference call on Thursday, Jan. 25, 2024, at 8:30 a.m. ET to discuss the company's fourth quarter and full year 2023 results. Conference Call/Webcast Information Participants can register in advance here, and the conference call will be available at the company's investor relations website. Anal.

Bread Financial™ Schedules Fourth Quarter and Full Year 2023 Earnings Conference Call for Jan. 25

COLUMBUS, Ohio--(BUSINESS WIRE)--Bread Financial Holdings, Inc. (NYSE: BFH) (“Bread Financial” or the “Company”) announced today the pricing and upsize of its previously announced offering of an additional $300 million in aggregate principal amount of its 9.750% senior notes due 2029 (the “Additional Notes”), in a private offering that is exempt from the registration requirements of the Securities Act of 1933, as amended (the “Securities Act”). The size of the offering reflects an increase of $.

Bread FinancialTM Announces Pricing and Upsize of Private Offering of $300 Million of Additional 9.750% Senior Notes Due 2029

COLUMBUS, Ohio--(BUSINESS WIRE)--Bread Financial Holdings, Inc. (NYSE: BFH) (“Bread Financial” or the “Company”) announced today that it intends to offer, subject to market and other conditions, an additional $200 million aggregate principal amount of its 9.750% Senior Notes due 2029 (the “Additional Notes”) in a private offering that is exempt from the registration requirements of the Securities Act of 1933, as amended (the “Securities Act”). The Company intends to use the net proceeds of the.

Bread FinancialTM Announces Private Offering of Additional 9.750% Senior Notes Due 2029

Bread Financial (BFH) stands to gain from solid consumer spending, credit sales performance and a robust capital position, offset by escalating expenses.

News for Bread Financial Holdings Inc Stock (BFH)