Bread Financial Holdings Inc (BFH)

Sector:
INFORMATION TECHNOLOGY
Industry:
IT SERVICES
SIC:
SERVICES-BUSINESS SERVICES, NEC
CEO:
Ralph J. Andretta
Employees:
7,500
3095 LOYALTY CIRCLE, COLUMBUS, OH, 43219
6147294000

Bread Financial Holdings Inc. provides credit card and other loans financing services to customers and consumer-based industries in North America. The company also manages and services the loans it originates for private label, co-brand, and general-purpose credit card programs and Bread BNPL (installment loans, split-pay) products. Bread offers an enhanced digital suite that includes a unified software development kit.

Data derived from most recent annual or quarterly report
Market Cap 1.721 Billion Shares Outstanding50.12 Million Avg 30-day Volume 513.757 Thousand
P/E Ratio3.1328 Dividend Yield3.345 EPS0.25
Price to Revenue0.3659 Debt to Equity1.7171 EBITDA1.241 Billion
Price to Book Value0.5771 Operating Margin23.1286 Enterprise Value2.952 Billion
Current Ratio1.462 EPS Growth0.082 Quick Ratio1.462
1 Yr BETA 1.6692 52-week High/Low 43.71 / 22.88 Profit Margin11.6802
Operating Cash Flow Growth18.8667 Free Cash Flow to Firm (FCFF) TTM 3.003 Billion Free Cash Flow to Equity (FCFE) TTM13.258 Billion
Altman Z-Score0.7744
Earnings Report2023-10-26
View SEC Filings from BFH instead.

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Bread Financial Holdings Inc YCharts
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SEC Web Site SEC DEF 14A Filings

Funds Holding BFH (via 13F filings)

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Recent Filings

Financial Reporting

Ownership

  • 4: filed on 2023-08-16 by ST CLAIR JOYCE
  • 4: filed on 2023-08-01 by BALLOU ROGER H
  • 4: filed on 2023-07-19 by TUCKER LAURIE ANNE
  • 4: filed on 2023-07-19 by GERSPACH JOHN C
  • 4: filed on 2023-07-19 by GREER VALERIE E
  • 4: filed on 2023-07-19 by BEBERMAN PERRY S
  • 3: filed on 2023-07-17 by ST CLAIR JOYCE
  • 4: filed on 2023-06-20 by TURNEY SHAREN J
  • 4: filed on 2023-06-20 by TUCKER LAURIE ANNE
  • 4: filed on 2023-06-20 by THERIAULT TIMOTHY J

    • Events (8k)

  • 8-K: filed on 2023-09-12:
    Item 7.01: Regulation FD Disclosure
    Item 9.01: Financial Statements and Exhibits
  • 8-K: filed on 2023-08-15:
    Item 7.01: Regulation FD Disclosure
    Item 9.01: Financial Statements and Exhibits
  • 8-K: filed on 2023-08-08:
    Item 5.04: Temporary Suspension of Trading Under Registrant's Employee Benefit Plans
    Item 9.01: Financial Statements and Exhibits
  • 8-K: filed on 2023-07-27:
    Item 7.01: Regulation FD Disclosure
    Item 9.01: Financial Statements and Exhibits
  • 8-K: filed on 2023-07-27:
    Item 2.02: Results of Operations and Financial Condition
    Item 7.01: Regulation FD Disclosure
    Item 8.01: Other Events
    Item 9.01: Financial Statements and Exhibits
  • 8-K: filed on 2023-07-11:
    Item 5.02: Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers
    Item 9.01: Financial Statements and Exhibits
  • 8-K: filed on 2023-06-15:
    Item 8.01: Other Events
    Item 9.01: Financial Statements and Exhibits
  • 8-K: filed on 2023-06-13:
    Item 5.02: Departure of Directors or Certain Officers; Election of Directors; Appointment of Certain Officers; Compensatory Arrangements of Certain Officers
    Item 1.01: Entry into a Material Definitive Agreement
    Item 2.03: Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant
    Item 3.02: Unregistered Sales of Equity Securities
    Item 8.01: Other Events
    Item 9.01: Financial Statements and Exhibits
  • 8-K: filed on 2023-06-13:
    Item 7.01: Regulation FD Disclosure
    Item 9.01: Financial Statements and Exhibits
  • 8-K: filed on 2023-06-08:
    Item 1.01: Entry into a Material Definitive Agreement
    Item 2.03: Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant
    Item 8.01: Other Events
    Item 9.01: Financial Statements and Exhibits

    • Proposed Sales (Form 144)

    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

    ST CLAIR JOYCE

    • Director
    		 3,394 2023-08-15 2

    BALLOU ROGER H

    • Director
    		 34,842 2023-07-31 2

    GERSPACH JOHN C

    • Director
    		 38,286 2023-07-17 5

    TUCKER LAURIE ANNE

    • Director
    		 27,065 2023-07-17 5

    GREER VALERIE E EVP, CHIEF COMMERCIAL OFFICER

    • Officer
    		 96,768 2023-07-17 3

    BEBERMAN PERRY S EVP, CHIEF FINANCIAL OFFICER

    • Officer
    		 77,761 2023-07-17 3

    THERIAULT TIMOTHY J

    • Director
    		 19,471 2023-06-15 1

    TURNEY SHAREN J

    • Director
    		 15,261 2023-06-15 1

    NATARAJAN RAJESH

    • Director
    		 13,529 2023-06-15 1

    TURTLE CREEK ASSET MANAGEMENT INC.

    • 10% Owner
    		 5,797,961 2023-05-30 7

    KIMBROUGH KARIN

    • Director
    		 4,889 2023-04-17 3

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

    • Officer
    		 82,026 2023-03-24 3

    MCCONNAUGHEY TAMMY M EVP, OPERATIONS & CREDIT RISK

    • Officer
    		 81,567 2023-03-24 3

    ANDRETTA RALPH J PRESIDENT AND CEO

    • Officer
    • Director
    		 298,197 2023-03-24 3

    CAMPBELL JONATHAN BRYAN SVP, CHIEF ACCTG. OFFICER

    • Officer
    		 7,783 2023-02-15 2

    SANTILLAN LAURA SVP, CHIEF ACCTG. OFFICER

    • Officer
    		 38,249 2021-10-22 0

    CHESNUT JOHN JEFFREY SVP AND TREASURER

    • Officer
    		 19,141 2021-10-22 0

    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
    		 267,374 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

    ST CLAIR JOYCE - Director

    		2023-08-16 17:03:41 -0400 2023-08-15 A 3,394 a 3,394 direct 0.2672 -0.4542 0.2672 2 -2.4579 4

    * -

    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 2023-09-29 22:15:03 UTC 5.0447 0.2753 1800000
    BREAD FINANCIAL HOLDINGS INC BFH 2023-09-29 21:45:04 UTC 5.0447 0.2753 1800000
    BREAD FINANCIAL HOLDINGS INC BFH 2023-09-29 21:15:03 UTC 5.0447 0.2753 1800000
    BREAD FINANCIAL HOLDINGS INC BFH 2023-09-29 20:45:05 UTC 5.0447 0.2753 1800000
    BREAD FINANCIAL HOLDINGS INC BFH 2023-09-29 20:15:04 UTC 5.0447 0.2753 1800000
    BREAD FINANCIAL HOLDINGS INC BFH 2023-09-29 19:45:04 UTC 5.0447 0.2753 1700000
    BREAD FINANCIAL HOLDINGS INC BFH 2023-09-29 19:15:03 UTC 0.0 0.0 1700000
    BREAD FINANCIAL HOLDINGS INC BFH 2023-09-29 18:45:03 UTC 0.0 0.0 1700000
    BREAD FINANCIAL HOLDINGS INC BFH 2023-09-29 18:15:03 UTC 0.0 0.0 1700000
    BREAD FINANCIAL HOLDINGS INC BFH 2023-09-29 17:45:03 UTC 5.0447 0.2753 1700000
    BREAD FINANCIAL HOLDINGS INC BFH 2023-09-29 17:15:04 UTC 5.0447 0.2753 1700000
    BREAD FINANCIAL HOLDINGS INC BFH 2023-09-29 16:45:04 UTC 5.0447 0.2753 1700000
    BREAD FINANCIAL HOLDINGS INC BFH 2023-09-29 16:15:03 UTC 5.0447 0.2753 1800000
    BREAD FINANCIAL HOLDINGS INC BFH 2023-09-29 15:45:04 UTC 5.0447 0.2753 1800000
    BREAD FINANCIAL HOLDINGS INC BFH 2023-09-29 15:15:04 UTC 5.0447 0.2753 1800000
    BREAD FINANCIAL HOLDINGS INC BFH 2023-09-29 14:45:04 UTC 5.0447 0.2753 1800000
    BREAD FINANCIAL HOLDINGS INC BFH 2023-09-29 14:15:04 UTC 5.0447 0.2753 1800000
    BREAD FINANCIAL HOLDINGS INC BFH 2023-09-29 13:45:03 UTC 5.0526 0.2674 1800000
    BREAD FINANCIAL HOLDINGS INC BFH 2023-09-29 13:15:04 UTC 5.0526 0.2674 1800000
    BREAD FINANCIAL HOLDINGS INC BFH 2023-09-29 12:45:05 UTC 5.0526 0.2674 1800000

    Current Active Short Positions

    Holder Issuer Net Short Position Position Date Origin
    AdvisorShares Trust- AdvisorShares Ranger Equity Bear ETF BFH -100000.0 shares, $-3139000.0 2023-06-30 N-PORT
    AdvisorShares Trust- AdvisorShares Dorsey Wright Short ETF BFH -6405.0 shares, $-201052.95 2023-06-30 N-PORT
    LAZARD FUNDS INC- Lazard Enhanced Opportunities Portfolio BFH -3426.0 shares, $-107542.14 2023-06-30 N-PORT
    JNL Series Trust- JNL Multi-Manager Alternative Fund BFH -10878.0 shares, $-341460.42 2023-06-30 N-PORT
    Blackstone Alternative Investment Funds- Blackstone Alternative Multi-Strategy Fund BFH -7400.0 shares, $-232286.0 2023-06-30 N-PORT
    VANGUARD MONTGOMERY FUNDS- VANGUARD MARKET NEUTRAL FUND BFH -27606.0 shares, $-866552.34 2023-06-30 N-PORT
    PACE SELECT ADVISORS TRUST- PACE Alternative Strategies Investments BFH -3418.0 shares, $-142086.26 2023-07-31 N-PORT

    No recent transactions

    *** To see all congressional transactions (since 2022) for this stock, please use the congressional transaction search page***

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