Bread Financial Holdings Inc (BFH)

Sector:
INFORMATION TECHNOLOGY
Industry:
IT SERVICES
SIC:
SERVICES-BUSINESS SERVICES, NEC
CEO:
Edward J. Heffernan
Employees:
20,000
7500 DALLAS PARKWAY, SUITE 700, PLANO, TX 75024
2144943000

Alliance Data Systems Corp. engages in the provision of data-driven and transaction-based marketing and customer loyalty solutions. The company operates through the business segments: LoyaltyOne, Epsilon, and Private Label Services and Credit. The LoyaltyOne segment provides marketing services and also designs, builds, and maintains both standalone loyalty programs for individual clients, and coalition loyalty programs, including the AIR MILES Reward Program. The Epsilon segment offers integrated direct marketing solutions that combine database marketing technology and analytics with a broad range of direct marketing services, including email marketing campaigns. The Private Label Services and Credit segment comprises of risk management solutions, account origination, funding, transaction processing, customer care, and collections services for the company's private label retail credit card programs. Its primary markets include retail, financial services, hospitality, healthcare, consumer packaged goods, grocery, and pharmaceutical. The company was founded in 1996 and is headquartered in Plano, TX.

Data derived from most recent annual or quarterly report
Market Cap 1.975 Billion Shares Outstanding49.948 Million Avg 30-day Volume 1.245 Million
P/E Ratio13.3552 Dividend Yield2.1117 EPS2.79
Price to Revenue0.7569 Debt to Equity5.5953 EBITDA1.051 Billion
Price to Book Value1.8778 Operating Margin20.6303 Enterprise Value8.353 Billion
Current Ratio1.884 EPS Growth-0.183 Quick Ratio1.75
1 Yr BETA 1.4974 52-week High/Low 88.14 / 38.68 Profit Margin5.6674
Operating Cash Flow Growth54.5977 Altman Z-Score1.5983 Free Cash Flow to Firm 1.874 Billion
Earnings Report2022-07-28
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Funds Holding BFH (via 13F filings)

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*Please note that if a filer hasn't submitted a 13F filing for a quarter then the filer's shares will be listed as "Sold All"

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Recent Filings

Financial Reporting

Ownership

  • 4: filed on 2022-06-17 by TURNEY SHAREN J
  • 4: filed on 2022-06-17 by TUCKER LAURIE ANNE
  • 4: filed on 2022-06-17 by THERIAULT TIMOTHY J
  • 4: filed on 2022-06-17 by NATARAJAN RAJESH
  • 4: filed on 2022-06-17 by KIMBROUGH KARIN
  • 4: filed on 2022-06-17 by GERSPACH JOHN C
  • 4: filed on 2022-06-17 by BALLOU ROGER H
  • 4: filed on 2022-03-17 by KIMBROUGH KARIN
  • 4: filed on 2022-03-17 by GERSPACH JOHN C
  • 4: filed on 2022-02-23 by MOTES JOSEPH L III

    • Events (8k)

  • 8-K: filed on 2022-06-15:
    Item 7.01: Regulation FD Disclosure
    Item 9.01: Financial Statements and Exhibits
  • 8-K: filed on 2022-06-14:
    Item 7.01: Regulation FD Disclosure
    Item 9.01: Financial Statements and Exhibits
  • 8-K: filed on 2022-05-31:
    Item 5.07: Submission of Matters to a Vote of Security Holders
    Item 8.01: Other Events
    Item 9.01: Financial Statements and Exhibits
  • 8-K: filed on 2022-05-16:
    Item 7.01: Regulation FD Disclosure
    Item 9.01: Financial Statements and Exhibits
  • 8-K: filed on 2022-04-28:
    Item 7.01: Regulation FD Disclosure
    Item 9.01: Financial Statements and Exhibits
  • 8-K: filed on 2022-04-28:
    Item 2.02: Results of Operations and Financial Condition
    Item 7.01: Regulation FD Disclosure
    Item 9.01: Financial Statements and Exhibits
  • 8-K: filed on 2022-04-28:
    Item 8.01: Other Events
    Item 9.01: Financial Statements and Exhibits
  • 8-K: filed on 2022-03-29:
    Item 1.01: Entry into a Material Definitive Agreement
    Item 7.01: Regulation FD Disclosure
    Item 9.01: Financial Statements and Exhibits
  • 8-K: filed on 2022-03-24:
    Item 5.03: Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year
    Item 9.01: Financial Statements and Exhibits
  • 8-K: filed on 2022-03-23:
    Item 7.01: Regulation FD Disclosure
    Item 9.01: Financial Statements and Exhibits

    • Proxy

    Prospectus

    All

    Open Market Buys/Sells Last 60 Days

    Open Market Buys (P)

    none

    Open Market Sells (S)

    none

    Exercise Derivative Conversion (M)

    none

    Current/Former Insiders

    Insider Name Type Last Reported Shares Held Last Reported Date Filings in past year

    BALLOU ROGER H

    • Director
    		 24,960 2022-06-15 2

    THERIAULT TIMOTHY J

    • Director
    		 12,039 2022-06-15 2

    GERSPACH JOHN C

    • Director
    		 23,315 2022-06-15 4

    TURNEY SHAREN J

    • Director
    		 10,329 2022-06-15 2

    TUCKER LAURIE ANNE

    • Director
    		 19,814 2022-06-15 4

    KIMBROUGH KARIN

    • Director
    		 4,164 2022-06-15 3

    NATARAJAN RAJESH

    • Director
    		 8,597 2022-06-15 3

    MOTES JOSEPH L III EVP, CAO, GEN COUNSEL & SECY

    • Officer
    		 53,746 2022-02-18 3

    MCCONNAUGHEY TAMMY M EVP, OPN'S & CREDIT RISK, CARD

    • Officer
    		 54,800 2022-02-18 3

    ANDRETTA RALPH J PRESIDENT AND CEO

    • Officer
    • Director
    		 199,102 2022-02-18 3

    GREER VALERIE E EVP, CHIEF COMM'L OFF'R, CARD

    • Officer
    		 61,658 2022-02-15 3

    BEBERMAN PERRY S EVP, CHIEF FINANCIAL OFFICER

    • Officer
    		 37,073 2022-02-15 4

    CAMPBELL JONATHAN BRYAN SVP, CHIEF ACCTG. OFFICER

    • Officer
    		 8,681 2022-02-15 2

    SANTILLAN LAURA SVP, CHIEF ACCTG. OFFICER

    • Officer
    		 38,249 2021-10-22 1

    CHESNUT JOHN JEFFREY SVP AND TREASURER

    • Officer
    		 19,141 2021-10-22 1

    KING TIMOTHY P EVP & CHIEF FINANCIAL OFFICER

    • Officer
    		 36,010 2021-02-18 0

    HORN CHARLES L EVP & SENIOR ADVISOR

    • Officer
    		 6,300 2021-02-16 0

    JENSEN KENNETH R

    • Director
    		 78,260 2020-03-20 0

    ANDERSON BRUCE K

    • Director
    		 748,554 2020-03-20 0

    MINICUCCI ROBERT A

    • Director
    		 135,190 2020-03-20 0

    VALUEACT HOLDINGS, L.P.

    VALUEACT CAPITAL MASTER FUND, L.P.

    VA PARTNERS I, LLC

    VALUEACT CAPITAL MANAGEMENT, L.P.

    VALUEACT CAPITAL MANAGEMENT, LLC

    VALUEACT HOLDINGS II, L.P.

    VALUEACT HOLDINGS GP, LLC

    • 10% Owner
    		 No longer subject to file 2019-10-28 0

    BARLOW KELLY J

    VALUEACT HOLDINGS, L.P.

    VALUEACT HOLDINGS II, L.P.

    VALUEACT CAPITAL MASTER FUND, L.P.

    VA PARTNERS I, LLC

    VALUEACT CAPITAL MANAGEMENT, L.P.

    VALUEACT CAPITAL MANAGEMENT, LLC

    VALUEACT HOLDINGS GP, LLC

    • Director
    • 10% Owner
    • SEE REMARKSSEE REMARKSSEE REMARKSSEE REMARKSSEE REMARKSSEE REMARKSSEE REMARKSSEE REMARKS
    		 No longer subject to file 2019-10-24 0

    HEFFERNAN EDWARD J PRESIDENT AND CEO

    • Officer
    • Director
    		 251,893 2019-02-15 0

    PEARSON BRYAN A EVP & PRESIDENT, LOYALTYONE

    • Officer
    		 111,224 2019-02-15 0

    KENNEDY BRYAN J EVP & PRESIDENT, EPSILON

    • Officer
    		 131,293 2019-02-15 0

    MILLER MELISA A EVP & PRES, CARD SERVICES

    • Officer
    		 42,453 2019-02-15 0

    VALUEACT HOLDINGS, L.P.

    VALUEACT CAPITAL MASTER FUND, L.P.

    VA PARTNERS I, LLC

    VALUEACT CAPITAL MANAGEMENT, L.P.

    VALUEACT CAPITAL MANAGEMENT, LLC

    VALUEACT HOLDINGS GP, LLC

    • Director
    • SEE REMARKSSEE REMARKSSEE REMARKSSEE REMARKSSEE REMARKSSEE REMARKS
    		 5,207,646 2018-11-28 0

    DRAPER E LINN JR

    • Director
    		 26,990 2018-06-25 0

    BARLOW KELLY J

    VALUEACT HOLDINGS, L.P.

    VALUEACT CAPITAL MASTER FUND, L.P.

    VA PARTNERS I, LLC

    VALUEACT CAPITAL MANAGEMENT, L.P.

    VALUEACT CAPITAL MANAGEMENT, LLC

    VALUEACT HOLDINGS GP, LLC

    • Director
    • 10% Owner
    • SEE REMARKSSEE REMARKSSEE REMARKSSEE REMARKSSEE REMARKSSEE REMARKSSEE REMARKS
    		 6,083,865 2018-06-25 0

    COBB D KEITH

    • Director
    		 9,237 2017-06-26 0

    BARLOW KELLY J

    • Director
    		 0 2017-06-07 0

    EPPERSON LEIGH ANN K SVP, GENERAL COUNSEL & SECY

    • Officer
    		 14,301 2015-04-20 0

    BENVENISTE LAWRENCE M

    • Director
    		 11,426 2014-07-01 0

    SZEFTEL IVAN M EVP & PRES, RETAIL CREDIT SVCS

    • Officer
    		 95,683 2011-03-21 0

    UTAY ALAN M EVP, CAO, GEN. COUNSEL, SECY

    • Officer
    		 83,428 2010-04-26 0

    PARKS J MICHAEL

    • Director
    		 216,111 2010-03-17 0

    KUBIC MICHAEL D

    • FORMER OFFICER
    		 No longer subject to file 2010-02-22 0

    CARTER BARRY R

    • FORMER OFFICER
    		 No longer subject to file 2009-10-22 0

    SCULLION JOHN W

    • FORMER OFFICER
    		 No longer subject to file 2009-10-16 0

    TUCKER DWAYNE H EVP, HR & CORP. COMMUNICATIONS

    • Officer
    		 99,676 2009-08-14 0

    IACCARINO MICHAEL L

    • FORMER OFFICER
    		 No longer subject to file 2009-02-26 0

    FINKELMAN DANIEL P

    • FORMER OFFICER
    		 39,470 2007-07-16 0

    TAYLOR TRANSIENT C

    • FORMER OFFICER
    		 0 2007-07-06 0

    WELSH CARSON ANDERSON STOWE VIII LP

    • 10% Owner
    		 7,160,349 2006-04-27 0

    WCAS MANAGEMENT CORP

    • 10% Owner
    		 678 2006-04-27 0

    WELSH PATRICK J

    • 10% Owner
    		 7,483,847 2006-04-27 0

    CARSON RUSSELL L

    • 10% Owner
    		 7,418,216 2006-04-27 0

    MCINERNEY THOMAS E

    • 10% Owner
    		 7,361,369 2006-04-27 0

    DENICOLA ANTHONY J

    • 10% Owner
    		 7,239,321 2006-04-27 0

    QUAELLY PAUL B

    • 10% Owner
    		 7,185,764 2006-04-27 0

    RATHER JONATHAN M

    • 10% Owner
    		 7,160,996 2006-04-27 0

    CLARK JOHN D

    • 10% Owner
    		 7,160,965 2006-04-27 0

    SWANI SANJAY

    • 10% Owner
    		 7,160,639 2006-04-27 0

    MACKESY D SCOTT

    • 10% Owner
    		 7,162,898 2006-04-27 0

    MATTHEWS JAMES R

    • 10% Owner
    		 7,160,764 2006-04-27 0

    Insider Transactions Last 60 Days

    Reporting Owners Filing Date Trans Date Trans Code Shares Share Price Acquired
    Disposed    		 Shares Owned after D/I 10b5 Perf 1d* Perf 5d* Perf 1m* Max Gain Max Gain Days Max Loss Max Loss Days

    NATARAJAN RAJESH - Director

    		2022-06-17 16:19:43 -0400 2022-06-15 A 2,650 a 8,597 direct -3.4634 0.0 1 -3.4634 2

    KIMBROUGH KARIN - Director

    		2022-06-17 16:18:17 -0400 2022-06-15 A 2,650 a 4,164 direct -3.4634 0.0 1 -3.4634 2

    BALLOU ROGER H - Director

    		2022-06-17 16:16:38 -0400 2022-06-15 A 2,650 a 24,960 direct -3.4634 0.0 1 -3.4634 2

    TURNEY SHAREN J - Director

    		2022-06-17 16:23:03 -0400 2022-06-15 A 2,650 a 10,329 direct -3.4634 0.0 1 -3.4634 2

    TUCKER LAURIE ANNE - Director

    		2022-06-17 16:21:51 -0400 2022-06-15 A 2,650 a 19,814 direct -3.4634 0.0 1 -3.4634 2

    THERIAULT TIMOTHY J - Director

    		2022-06-17 16:20:45 -0400 2022-06-15 A 2,650 a 12,039 direct -3.4634 0.0 1 -3.4634 2

    GERSPACH JOHN C - Director

    		2022-06-17 16:17:08 -0400 2022-06-15 A 2,650 a 17,315 direct -3.4634 0.0 1 -3.4634 2

    * -

    Transaction Code Definitions
    Code Definition
    A Grant, award or other acquisition pursuant to Rule 16b-3(d)
    C Conversion of derivative security
    D Disposition to the issuer of issuer equity securities pursuant to Rule 16b-3(e)
    E Expiration of short derivative position
    F Payment of exercise price or tax liability by delivering or withholding securities incident to the receipt, exercise or vesting of a security issued in accordance with Rule 16b-3
    G Bona fide gift
    H Expiration (or cancellation) of long derivative position with value received
    I Discretionary transaction in accordance with Rule 16b-3(f) resulting in acquisition or disposition of issuer securities
    J Other acquisition or disposition
    L Small acquisition under Rule 16a-6
    M Exercise or conversion of derivative security exempted pursuant to Rule 16b-3
    O Exercise of out-of-the-money derivative security
    P Open market or private purchase of non-derivative or derivative security
    S Open market or private sale of non-derivative or derivative security
    U Disposition pursuant to a tender of shares in a change of control transaction
    W Acquisition or disposition by will or the laws of descent and distribution
    X Exercise of in-the-money or at-the-money derivative security
    Z Deposit into or withdrawal from voting trust

    IBR Securities Loan Availability

    Updated throughout the day, this shows the number of shares available to borrow. Data provided by Interactive Brokers

    Security Date/Time Rebate Rate Fee Rate Shares Available
    BREAD FINANCIAL HOLDINGS INC BFH 2022-06-27 19:15:03 UTC 1.1619 0.4081 1400000
    BREAD FINANCIAL HOLDINGS INC BFH 2022-06-27 18:45:03 UTC 1.1619 0.4081 1400000
    BREAD FINANCIAL HOLDINGS INC BFH 2022-06-27 18:15:04 UTC 1.1619 0.4081 1400000
    BREAD FINANCIAL HOLDINGS INC BFH 2022-06-27 17:45:03 UTC 1.1619 0.4081 1400000
    BREAD FINANCIAL HOLDINGS INC BFH 2022-06-27 17:15:03 UTC 1.1619 0.4081 1400000
    BREAD FINANCIAL HOLDINGS INC BFH 2022-06-27 16:45:03 UTC 1.1619 0.4081 1400000
    BREAD FINANCIAL HOLDINGS INC BFH 2022-06-27 16:15:03 UTC 1.1619 0.4081 1400000
    BREAD FINANCIAL HOLDINGS INC BFH 2022-06-27 15:45:04 UTC 1.1619 0.4081 1400000
    BREAD FINANCIAL HOLDINGS INC BFH 2022-06-27 15:15:03 UTC 1.1619 0.4081 1400000
    BREAD FINANCIAL HOLDINGS INC BFH 2022-06-27 14:45:04 UTC 1.1619 0.4081 1400000
    BREAD FINANCIAL HOLDINGS INC BFH 2022-06-27 14:15:03 UTC 1.1619 0.4081 1400000
    BREAD FINANCIAL HOLDINGS INC BFH 2022-06-27 13:45:04 UTC 1.1619 0.4081 1400000
    BREAD FINANCIAL HOLDINGS INC BFH 2022-06-27 13:15:04 UTC 1.1619 0.4081 1400000
    BREAD FINANCIAL HOLDINGS INC BFH 2022-06-27 12:45:03 UTC 1.1619 0.4081 1400000
    BREAD FINANCIAL HOLDINGS INC BFH 2022-06-24 22:15:03 UTC 1.1619 0.4081 2200000
    BREAD FINANCIAL HOLDINGS INC BFH 2022-06-24 21:45:03 UTC 1.1619 0.4081 2200000
    BREAD FINANCIAL HOLDINGS INC BFH 2022-06-24 21:15:04 UTC 1.1619 0.4081 2200000
    BREAD FINANCIAL HOLDINGS INC BFH 2022-06-24 20:45:03 UTC 1.1619 0.4081 2200000
    BREAD FINANCIAL HOLDINGS INC BFH 2022-06-24 20:15:03 UTC 1.1619 0.4081 2200000
    BREAD FINANCIAL HOLDINGS INC BFH 2022-06-24 19:45:03 UTC 1.1619 0.4081 2200000

    Current Active Short Positions

    Holder Issuer Net Short Position Position Date Origin
    VANGUARD TRUSTEES' EQUITY FUND- VANGUARD ALTERNATIVE STRATEGIES FUND BFH -1337.0 shares, $-92306.48 2022-01-31 N-PORT
    AdvisorShares Trust- AdvisorShares Ranger Equity Bear ETF BFH -20000.0 shares, $-1123000.0 2022-03-31 N-PORT
    Blackstone Alternative Investment Funds- Blackstone Alternative Multi-Strategy Fund BFH -3900.0 shares, $-218985.0 2022-03-31 N-PORT

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