Bread Financial Holdings, Inc. - Understand $bfh stock

$BFH Market Cap: $3.038 Billion

Research Board Inbox Deep Research Not Interested Shortlisted

Financial Snapshot

Revenue

$4.608B

TTM

Gross Margin

98.29%

TTM

Net Earnings

$312.0M

TTM

Current Assets

$19.19B

Q3 2024

Current Liabilities

$12.85B

Q3 2024

Current Ratio

149.4%

Q3 2024

Total Assets

$21.74B

Q3 2024

Total Liabilities

$18.62B

Q3 2024

Book Value

$3.112B

Q3 2024

Cash

$3.451B

Q3 2024

P/E

9.737

Nov 29, 2024 EST

Free Cash Flow

$1.947B

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996
Revenue	$4.938B	$4.329B	$3.272B	$4.521B	$5.581B	$5.667B	$5.475B	$7.138B	$6.440B	$5.303B	$4.319B	$3.641B	$3.173B	$2.791B	$1.964B	$2.025B	$1.962B	$1.651B	$1.552B	$1.257B	$1.047B	$865.3M	$773.7M	$678.2M	$583.1M	$410.9M	$353.4M	$280.9M
YoY Change	14.07%	32.3%	-27.63%	-18.99%	-1.51%	3.51%	-23.3%	10.85%	21.44%	22.78%	18.61%	14.75%	13.68%	42.1%	-3.01%	3.22%	18.89%	6.32%	23.46%	20.15%	20.94%	11.84%	14.08%	16.31%	41.91%	16.27%	25.81%	57.46%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996
Revenue	$4.938B	$4.329B	$3.272B	$4.521B	$5.581B	$5.667B	$5.475B	$7.138B	$6.440B	$5.303B	$4.319B	$3.641B	$3.173B	$2.791B	$1.964B	$2.025B	$1.962B	$1.651B	$1.552B	$1.257B	$1.047B	$865.3M	$773.7M	$678.2M	$583.1M	$410.9M	$353.4M	$280.9M
Cost Of Revenue	$428.0M	$359.0M	$323.0M	$2.077B	$2.688B	$2.537B	$2.470B	$4.277B	$3.814B	$3.219B	$2.549B	$2.107B	$1.812B	$1.545B	$1.354B	$1.342B	$1.305B	$1.096B	$1.125B	$916.2M	$788.9M	$670.5M	$603.5M	$548.0M	$466.9M	$335.8M	$161.4M	$132.7M
Gross Profit	$4.510B	$3.970B	$3.332B	$2.444B	$2.894B	$3.129B	$3.005B	$2.861B	$2.626B	$2.084B	$1.770B	$1.535B	$1.361B	$1.246B	$610.2M	$683.3M	$657.5M	$554.6M	$427.8M	$341.2M	$257.7M	$194.8M	$170.2M	$130.2M	$116.2M	$75.10M	$192.0M	$148.3M
Gross Profit Margin	91.33%	91.71%	101.83%	54.06%	51.84%	55.23%	54.89%	40.08%	40.77%	39.31%	40.98%	42.15%	42.9%	44.64%	31.06%	33.74%	33.51%	33.6%	27.56%	27.14%	24.62%	22.51%	22.0%	19.2%	19.93%	18.28%	54.33%	52.79%

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996
Selling, General & Admin	$1.028B	$959.0M	$831.0M	$248.7M	$355.6M	$151.9M	$159.3M	$143.1M	$153.5M	$264.4M	$109.1M	$108.1M	$95.30M	$85.80M	$99.80M	$82.80M	$80.90M	$91.80M	$91.50M	$77.70M	$52.30M	$53.80M	$45.40M	$32.20M	$36.00M	$17.60M	$127.1M	$100.9M
YoY Change	7.19%	15.4%	234.14%	-30.06%	134.1%	-4.65%	11.32%	-6.78%	-41.94%	142.35%	0.93%	13.43%	11.07%	-14.03%	20.53%	2.35%	-11.87%	0.33%	17.76%	48.57%	-2.79%	18.5%	40.99%	-10.56%	104.55%	-86.15%	25.97%	124.22%
% of Gross Profit	22.79%	24.16%	24.94%	10.18%	12.29%	4.85%	5.3%	5.0%	5.85%	12.68%	6.16%	7.04%	7.0%	6.89%	16.36%	12.12%	12.3%	16.55%	21.39%	22.77%	20.29%	27.62%	26.67%	24.73%	30.98%	23.44%	66.2%	68.04%
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$116.0M	$113.0M	$123.0M	$184.0M	$249.0M	$487.3M	$497.6M	$512.1M	$492.1M	$313.1M	$216.1M	$166.9M	$153.2M	$143.2M	$125.4M	$143.8M	$166.6M	$125.0M	$99.70M	$91.40M	$74.60M	$66.50M	$74.20M	$76.10M	$77.80M	$52.00M	$35.60M	$22.20M
YoY Change	2.65%	-8.13%	-33.15%	-26.1%	-48.9%	-2.07%	-2.83%	4.06%	57.17%	44.87%	29.51%	8.96%	6.93%	14.21%	-12.79%	-13.69%	33.28%	25.38%	9.08%	22.52%	12.18%	-10.38%	-2.5%	-2.19%	49.62%	46.07%	60.36%	516.67%
% of Gross Profit	2.57%	2.85%	3.69%	7.53%	8.61%	15.57%	16.56%	17.9%	18.74%	15.02%	12.21%	10.87%	11.25%	11.49%	20.55%	21.04%	25.34%	22.54%	23.31%	26.79%	28.95%	34.14%	43.6%	58.45%	66.95%	69.24%	18.54%	14.97%
Operating Expenses	$2.893B	$3.167B	$1.905B	$248.7M	$355.6M	$1.362B	$1.487B	$1.596B	$1.314B	$1.003B	$671.0M	$560.4M	$548.7M	$616.8M	$225.2M	$218.6M	$207.9M	$181.3M	$191.2M	$169.1M	$126.9M	$120.3M	$119.6M	$108.3M	$113.7M	$69.60M	$162.6M	$123.1M
YoY Change	-8.65%	66.25%	665.98%	-30.06%	-73.88%	-8.46%	-6.79%	21.46%	31.03%	49.43%	19.74%	2.13%	-11.04%	173.89%	3.02%	5.15%	14.67%	-5.18%	13.07%	33.25%	5.49%	0.59%	10.43%	-4.75%	63.36%	-57.2%	32.09%	153.29%
Operating Profit	$1.617B	$803.0M	$1.427B	$301.0M	$662.0M	$1.757B	$1.518B	$1.266B	$1.312B	$1.082B	$1.099B	$974.4M	$812.7M	$629.2M	$407.8M	$464.7M	$449.6M	$373.3M	$236.6M	$172.1M	$130.8M	$74.50M	$50.60M	$21.90M	$2.500M	$5.500M	$29.40M	$25.20M
YoY Change	101.37%	-43.73%	374.09%	-54.53%	-62.33%	15.77%	19.94%	-3.52%	21.27%	-1.57%	12.78%	19.9%	29.16%	54.31%	-12.25%	3.36%	20.44%	57.78%	37.48%	31.57%	75.57%	47.23%	131.05%	776.0%	-54.55%	-81.29%	16.67%	-43.88%

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996
Interest Expense	-$649.0M	-$503.0M	$383.0M	$499.0M	$638.0M	$542.3M	$455.4M	-$428.6M	-$315.5M	-$243.8M	$305.5M	$291.5M	$298.6M	$318.3M	$144.8M	-$80.40M	-$69.40M	-$40.70M	-$14.50M	-$7.800M	-$17.50M	-$31.90M	-$45.20M	-$38.90M	-$42.80M	-$27.90M	-$15.50M	-$5.600M
YoY Change	29.03%	-231.33%	-23.25%	-21.79%	17.65%	19.08%	-206.25%	35.85%	29.41%	-179.8%	4.82%	-2.39%	-6.2%	119.82%	-280.11%	15.85%	70.52%	180.69%	85.9%	-55.43%	-45.14%	-29.42%	16.2%	-9.11%	53.41%	80.0%	176.79%
% of Operating Profit	-40.14%	-62.64%	26.84%	165.78%	96.37%	30.86%	30.0%	-33.87%	-24.05%	-22.54%	27.8%	29.91%	36.74%	50.59%	35.51%	-17.3%	-15.44%	-10.9%	-6.13%	-4.53%	-13.38%	-42.82%	-89.33%	-177.63%	-1712.0%	-507.27%	-52.72%	-22.22%
Other Income/Expense, Net																				$0.00	-$4.300M	-$800.0K	-$6.000M	-$2.500M	$0.00	$0.00
YoY Change																				-100.0%	437.5%	-86.67%	140.0%

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996
Pretax Income	$968.0M	$300.0M	$1.044B	$301.0M	$662.0M	$1.215B	$1.063B	$837.0M	$931.7M	$837.9M	$547.8M	$481.2M	$332.0M	$159.2M	$262.9M	$380.2M	$351.8M	$332.7M	$222.1M	$164.3M	$109.0M	$41.70M	-$700.0K	-$19.50M	-$40.30M	-$22.40M	$13.90M	$19.50M
YoY Change	222.67%	-71.26%	246.84%	-54.53%	-45.51%	14.35%	26.94%	-10.16%	11.19%	52.97%	13.82%	44.95%	108.51%	-39.44%	-30.84%	8.07%	5.74%	49.8%	35.18%	50.73%	161.39%	-6057.14%	-96.41%	-51.61%	79.91%	-261.15%	-28.72%	-56.47%
Income Tax	$231.0M	$76.00M	$247.0M	$93.00M	$156.0M	$269.5M	$293.3M	$319.4M	$326.2M	$321.8M	$297.2M	$260.6M	$198.8M	$115.3M	$86.23M	$147.6M	$137.4M	$126.3M	$83.40M	$61.90M	$41.70M	$18.10M	$9.700M	$1.800M	-$6.500M	-$4.700M	$5.200M	$5.700M
% Of Pretax Income	23.86%	25.33%	23.66%	30.9%	23.56%	22.18%	27.6%	38.16%	35.01%	38.41%	54.27%	54.16%	59.88%	72.38%	32.79%	38.82%	39.06%	37.96%	37.55%	37.67%	38.26%	43.41%					37.41%	29.23%
Net Earnings	$718.0M	$223.0M	$801.0M	$214.0M	$278.0M	$963.1M	$788.7M	$432.3M	$551.5M	$491.5M	$496.2M	$422.3M	$315.3M	$193.7M	$143.7M	$206.4M	$164.1M	$189.6M	$138.7M	$102.4M	$67.30M	$23.70M	-$13.60M	-$28.50M	-$33.20M	-$18.00M	$400.0K	$10.00M
YoY Change	221.97%	-72.16%	274.3%	-23.02%	-71.13%	22.11%	82.44%	-21.61%	12.21%	-0.95%	17.5%	33.94%	62.78%	34.79%	-30.38%	25.78%	-13.45%	36.7%	35.45%	52.15%	183.97%	-274.26%	-52.28%	-14.16%	84.44%	-4600.0%	-96.0%	-65.75%
Net Earnings / Revenue	14.54%	5.15%	24.48%	4.73%	4.98%	17.0%	14.41%	6.06%	8.56%	9.27%	11.49%	11.6%	9.94%	6.94%	7.32%	10.19%	8.36%	11.49%	8.93%	8.14%	6.43%	2.74%	-1.76%	-4.2%	-5.69%	-4.38%	0.11%	3.56%
Basic Earnings Per Share	$14.39	$4.47	$16.09	$4.47	$5.38	$17.56	$14.17				$10.09		$6.22	$3.69	$2.58
Diluted Earnings Per Share	$14.36	$4.460M	$16.02	$4.46	$5.46	$17.49	$14.10	$7.340M	$8.85	$7.87	$7.42	$6.58	$5.45	$3.48	$2.49	$2.80	$2.03	$2.32	$1.64	$1.22	$0.84	$0.31	-$0.21	-$0.60	-$0.69	-$0.42	$0.01	$0.27

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998
Cash & Short-Term Investments	$3.590B	$3.891B	$3.046B	$3.082B	$3.874B	$3.817B	$4.190B	$1.859B	$1.168B	$1.077B	$970.0M	$893.0M	$216.0M	$139.0M	$213.0M	$157.0M	$219.0M	$180.0M	$143.0M	$84.00M	$68.00M	$30.00M	$118.0M	$117.0M	$57.00M	$47.00M
YoY Change	-7.74%	27.74%	-1.15%	-20.47%	1.49%	-8.89%	125.37%	59.18%	8.45%	11.03%	8.62%	313.43%	55.4%	-34.74%	35.67%	-28.31%	21.67%	25.87%	70.24%	23.53%	126.67%	-74.58%	0.85%	105.26%	21.28%
Cash & Equivalents	$3.590B	$3.891B	$3.046B	$3.082B	$3.874B	$3.817B	$4.190B	$1.859B	$1.168B	$1.077B	$970.0M	$893.0M	$216.0M	$139.0M	$213.0M	$157.0M	$219.0M	$180.0M	$143.0M	$84.00M	$68.00M	$30.00M	$118.0M	$117.0M	$57.00M	$47.00M
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory				$164.3M	$218.0M	$248.0M	$234.1M	$271.3M	$228.0M
Prepaid Expenses
Receivables	$17.01B	$18.90B	$15.57B	$15.16B	$18.74B	$17.22B	$18.32B	$16.39B	$13.76B	$11.42B	$8.465B	$7.338B	$5.499B	$5.099B	$1.139B	$831.0M	$881.0M	$950.0M	$741.0M	$417.0M	$404.0M	$264.0M	$264.0M	$350.0M	$242.0M	$283.0M
Other Receivables	$0.00	$0.00	$0.00	$0.00	$408.0M	$1.952B	$1.026B	$417.3M	$96.00M	$125.0M	$62.00M	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Total Short-Term Assets	$20.60B	$22.79B	$18.61B	$18.41B	$23.24B	$23.24B	$23.77B	$18.94B	$15.26B	$12.62B	$9.497B	$8.231B	$5.715B	$5.238B	$1.352B	$988.0M	$1.100B	$1.130B	$884.0M	$501.0M	$472.0M	$294.0M	$382.0M	$467.0M	$299.0M	$330.0M
YoY Change	-9.64%	22.45%	1.12%	-20.81%	0.02%	-2.23%	25.48%	24.15%	20.9%	32.87%	15.38%	44.02%	9.11%	287.43%	36.84%	-10.18%	-2.65%	27.83%	76.45%	6.14%	60.54%	-23.04%	-18.2%	56.19%	-9.39%
Property, Plant & Equipment	$167.0M	$195.0M	$312.0M	$544.1M	$546.6M	$288.2M	$613.9M	$586.0M	$577.0M	$560.0M	$299.0M	$253.0M	$195.0M	$171.0M	$165.0M	$168.0M	$193.0M	$208.0M	$163.0M	$148.0M	$134.0M	$120.0M	$112.0M	$92.00M	$89.00M	$66.00M
YoY Change	-14.36%	-37.5%	-42.66%	-0.46%	89.66%	-53.05%	4.76%	1.56%	3.04%	87.29%	18.18%	29.74%	14.04%	3.64%	-1.79%	-12.95%	-7.21%	27.61%	10.14%	10.45%	11.67%	7.14%	21.74%	3.37%	34.85%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments	$253.0M	$221.0M	$289.0M																							$52.00M
YoY Change	14.48%	-23.53%
Other Assets	$940.0M	$932.0M	$1.543B	$359.2M	$45.20M	$4.201B	$28.10M	$20.10M	$289.0M	$242.0M	$253.0M	$332.0M	$457.0M	$524.0M	$232.0M	$262.0M	$475.0M	$89.00M	$70.00M	$50.00M	$46.00M	$53.00M	$63.00M	$78.00M	$65.00M	$43.00M
YoY Change	0.86%	-39.6%	329.57%	694.69%	-98.92%	14851.6%	39.8%	-93.04%	19.42%	-4.35%	-23.8%	-27.35%	-12.79%	125.86%	-11.45%	-44.84%	433.71%	27.14%	40.0%	8.7%	-13.21%	-15.87%	-19.23%	20.0%	51.16%
Total Long-Term Assets	$2.546B	$2.615B	$3.133B	$4.141B	$3.251B	$7.150B	$6.918B	$6.573B	$7.094B	$7.645B	$3.747B	$3.769B	$3.265B	$3.034B	$3.874B	$3.354B	$3.062B	$2.274B	$2.042B	$1.738B	$1.395B	$1.154B	$1.095B	$954.0M	$1.002B	$668.0M
YoY Change	-2.64%	-16.53%	-24.34%	27.37%	-54.53%	3.36%	5.24%	-7.34%	-7.21%	104.03%	-0.58%	15.44%	7.61%	-21.68%	15.5%	9.54%	34.65%	11.36%	17.49%	24.59%	20.88%	5.39%	14.78%	-4.79%	50.0%
Total Assets	$23.14B	$25.41B	$21.75B	$22.55B	$26.49B	$30.39B	$30.68B	$25.51B	$22.35B	$20.26B	$13.24B	$12.00B	$8.980B	$8.272B	$5.226B	$4.342B	$4.162B	$3.404B	$2.926B	$2.239B	$1.867B	$1.448B	$1.477B	$1.421B	$1.301B	$998.0M
YoY Change
Accounts Payable	$422.0M	$398.0M	$291.0M	$328.2M	$300.8M	$486.2M	$651.2M	$568.3M	$442.0M	$456.0M	$210.0M	$215.0M	$150.0M	$122.0M	$104.0M	$107.0M	$134.0M	$113.0M	$67.00M	$56.00M	$63.00M	$73.00M	$82.00M	$64.00M	$56.00M	$44.00M
YoY Change	6.03%	36.77%	-11.33%	9.11%	-38.13%	-25.34%	14.59%	28.57%	-3.07%	117.14%	-2.33%	43.33%	22.95%	17.31%	-2.8%	-20.15%	18.58%	68.66%	19.64%	-11.11%	-13.7%	-10.98%	28.13%	14.29%	27.27%
Accrued Expenses	$421.0M	$432.0M	$454.0M	$410.7M	$332.3M	$279.3M	$442.8M	$346.8M	$567.0M	$457.0M	$262.0M	$275.0M	$207.0M	$169.0M	$128.0M	$144.0M	$206.0M	$202.0M	$199.0M	$142.0M	$109.0M	$84.00M	$73.00M	$81.00M	$76.00M	$59.00M
YoY Change	-2.55%	-4.85%	10.54%	23.59%	18.98%	-36.92%	27.68%	-38.84%	24.07%	74.43%	-4.73%	32.85%	22.49%	32.03%	-11.11%	-30.1%	1.98%	1.51%	40.14%	30.28%	29.76%	15.07%	-9.88%	6.58%	28.81%
Deferred Revenue
YoY Change
Short-Term Debt	$13.62B	$13.83B	$11.03B	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change	-1.49%	25.38%
Long-Term Debt Due	$260.0M			$8.506B	$10.07B	$9.394B	$7.837B	$7.127B	$4.399B	$3.913B	$2.934B	$3.370B	$2.357B	$2.442B	$824.0M	$709.0M	$684.0M	$303.0M	$578.0M	$231.0M	$201.0M	$185.0M	$111.0M	$162.0M	$118.0M	$148.0M
YoY Change				-15.57%	7.24%	19.86%	9.98%	62.0%	12.42%	33.37%	-12.94%	42.98%	-3.48%	196.36%	16.22%	3.65%	125.74%	-47.58%	150.22%	14.93%	8.65%	66.67%	-31.48%	37.29%	-20.27%
Total Short-Term Liabilities	$13.62B	$13.83B	$11.77B	$10.20B	$11.53B	$10.93B	$9.778B	$8.830B	$6.107B	$5.672B	$4.372B	$4.915B	$3.750B	$3.777B	$2.041B	$1.820B	$1.707B	$618.0M	$844.0M	$429.0M	$373.0M	$342.0M	$266.0M	$307.0M	$250.0M	$269.0M
YoY Change	-1.49%	17.45%	15.4%	-11.55%	5.56%	11.74%	10.74%	44.58%	7.67%	29.73%	-11.05%	31.07%	-0.71%	85.06%	12.14%	6.62%	176.21%	-26.78%	96.74%	15.01%	9.06%	28.57%	-13.36%	22.8%	-7.06%
Long-Term Debt	$5.292B	$8.007B	$7.439B	$9.802B	$12.21B	$15.78B	$17.98B	$13.81B	$12.70B	$10.26B	$7.275B	$5.844B	$3.730B	$3.530B	$1.730B	$1.216B	$644.0M	$742.0M	$259.0M	$207.0M	$189.0M	$108.0M	$199.0M	$394.0M	$436.0M	$332.0M
YoY Change	-33.91%	7.64%	-24.11%	-19.73%	-22.6%	-12.26%	30.16%	8.75%	23.79%	41.06%	24.49%	56.68%	5.67%	104.05%	42.27%	88.82%	-13.21%	186.49%	25.12%	9.52%	75.0%	-45.73%	-49.49%	-9.63%	31.33%
Other Long-Term Liabilities	$1.311B	$1.309B	$449.0M	$1.022B	$1.082B	$1.097B	$859.9M	$877.1M	$731.0M	$1.008B	$465.0M	$435.0M	$1.174B	$859.0M	$1.040B	$635.0M	$555.0M	$929.0M	$839.0M	$684.0M	$596.0M	$457.0M	$506.0M	$478.0M	$355.0M	$101.0M
YoY Change	0.15%	191.54%	-56.08%	-5.5%	-1.36%	27.54%	-1.96%	19.99%	-27.48%	116.77%	6.9%	-62.95%	36.67%	-17.4%	63.78%	14.41%	-40.26%	10.73%	22.66%	14.77%	30.42%	-9.68%	5.86%	34.65%	251.49%
Total Long-Term Liabilities	$6.603B	$9.316B	$7.888B	$10.82B	$13.29B	$16.87B	$18.84B	$14.69B	$13.43B	$11.27B	$7.740B	$6.279B	$4.904B	$4.389B	$2.770B	$1.851B	$1.199B	$1.671B	$1.098B	$891.0M	$785.0M	$565.0M	$705.0M	$872.0M	$791.0M	$433.0M
YoY Change	-29.12%	18.1%	-27.13%	-18.57%	-21.22%	-10.44%	28.24%	9.36%	19.2%	45.61%	23.27%	28.04%	11.73%	58.45%	49.65%	54.38%	-28.25%	52.19%	23.23%	13.5%	38.94%	-19.86%	-19.15%	10.24%	82.68%
Total Liabilities	$20.22B	$23.14B	$19.66B	$21.03B	$24.91B	$28.06B	$28.83B	$23.86B	$20.34B	$17.87B	$12.39B	$11.47B	$8.804B	$8.249B	$4.953B	$3.795B	$2.965B	$2.332B	$2.005B	$1.369B	$1.165B	$906.0M	$971.0M	$1.178B	$1.041B	$702.0M
YoY Change	-12.61%	17.71%	-6.49%	-15.58%	-11.22%	-2.68%	20.85%	17.29%	13.83%	44.24%	7.98%	30.3%	6.73%	66.55%	30.51%	27.99%	27.14%	16.31%	46.46%	17.51%	28.59%	-6.69%	-17.57%	13.16%	48.29%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2012	2011	2010	2009
Basic Shares Outstanding	49.80M shares	49.90M shares	49.70M	47.80M	50.00M	54.90M	55.70M	58.60M	61.87M	56.38M	50.01M shares	50.69M shares	52.53M shares	55.77M shares
Diluted Shares Outstanding	50.00M shares	50.00M shares	50.00M	47.90M	50.90M	55.10M	55.90M				64.14M shares	57.80M shares	55.71M shares	57.71M shares
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $3.0381 Billion

About BREAD FINANCIAL HOLDINGS, INC.

Bread Financial Holdings, Inc. engages in the provision of payment, lending, and saving solutions. The company is headquartered in Columbus, Ohio and currently employs 7,000 full-time employees. The company went IPO on 2001-06-08. The firm is engaged in providing simple, personalized payment, lending, and saving solutions. The firm through its data insights and white-label technology, it delivers a comprehensive product suite, including private label and co-brand credit cards and buy now, pay later products (split-pay). The company also offers direct-to-consumer solutions that give customers more access, and freedom through its branded Bread Cashback American Express Credit Card and Bread Savings products. The firm offers both direct-to-consumer retail deposit products as well as deposits sourced through contractual arrangements with various financial counterparties (often referred to as wholesale deposits). Its products are supported by various services and capabilities, including risk management, account origination and funding services; loan processing and servicing; marketing and data and analytics; and its Enhanced Digital Suite.

Industry: Personal Credit Institutions Peers: AMERICAN EXPRESS CO ENCORE CAPITAL GROUP INC FirstCash Holdings, Inc. GREEN DOT CORP LendingClub Corp NELNET INC NAVIENT CORP PRA GROUP INC SLM Corp Upstart Holdings, Inc.