Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
BFH
BuyPremium GrowerBread Financial Holdings, Inc. · Financial Services · United States · $4.1B · Avg Vol: $47M/d
COMPANY DESCRIPTION
Bread Financial Holdings, Inc. is a financial services company specializing in private-label and co-brand credit card programs, loyalty solutions, and marketing services for retailers and consumers. Its competitive moat is built on established partnerships with major retailers, advanced data analytics, and expertise in managing credit risk and fostering customer loyalty for its partners. Bread Financial serves as a key strategic ally for retailers seeking to enhance customer engagement and sales.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM | 2026E | 2027E | Fwd CAGR |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 3.9B | 4.3B | 3.8B | 3.8B | -0.2% | 2.7B | 4.0B | 4.2B | 3.9% |
| EPS | 4.47 | 14.39 | 5.58 | 11.07 | 35.3% | 12.89 | 11.13 | 12.17 | 4.9% |
| Shares | 49.9M | 49.3M | 49.1M | 44.1M | -11.6% | 38.4M | — | — | — |
| Debt | 8.1B | 5.4B | 5.7B | 4.4B | -18.6% | 3.3B | — | — | — |
| Equity | 2.3B | 2.9B | 3.1B | 3.3B | 13.7% | — | — | — | — |
| Op CF | 1.8B | 2.0B | 1.9B | 2.1B | 4.2% | 2.2B | — | — | — |
| Inv CF | -5.1B | 788.0M | -1.2B | -1.4B | — | — | — | — | — |
| Fin CF | 3.3B | -3.1B | -592.0M | -807.0M | — | — | — | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of BFH are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| BFH | Bread Financial Holdings, Inc.(you) | $4.1B | 69 | Buy |
| CACC | Credit Acceptance Corporation | $6.2B | 72 | Buy |
| SEZL | Sezzle Inc. | $4.2B | 80 | Buy |
| ENVA | Enova International, Inc. | $5.8B | 61 | Hold |
| FCFS | FirstCash Holdings, Inc. | $9.5B | 66 | Buy |
| EZPW | EZCORP, Inc. | $2.0B | 77 | Buy |
| OMF | OneMain Holdings, Inc. | $7.2B | 55 | Hold |
| WU | The Western Union Company | $2.3B | 54 | Hold |
| ECPG | Encore Capital Group, Inc. | $2.1B | 84 | Strong Buy |
| SLM | SLM Corporation | $5.0B | 43 | Hold |
Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%