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Bread Financial (BFH)

(Real Time Quote from BATS)

$41.77 USD

41.77
264,794

+0.27 (0.65%)

Updated May 15, 2024 02:03 PM ET

Zacks Rank:

This is our short term rating system that serves as a timeliness indicator for stocks over the next 1 to 3 months. How good is it? See rankings and related performance below.

Zacks Rank Definition Annualized Return
1Strong Buy24.20%
2Buy18.04%
3Hold9.52%
4Sell5.20%
5Strong Sell2.60%
S&P50011.13%

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3-Hold of 5     3    

Style Scores:

The Style Scores are a complementary set of indicators to use alongside the Zacks Rank. It allows the user to better focus on the stocks that are the best fit for his or her personal trading style.

The scores are based on the trading styles of Value, Growth, and Momentum. There's also a VGM Score ('V' for Value, 'G' for Growth and 'M' for Momentum), which combines the weighted average of the individual style scores into one score.

Value Score A
Growth Score A
Momentum Score A
VGM Score A

Within each Score, stocks are graded into five groups: A, B, C, D and F. As you might remember from your school days, an A, is better than a B; a B is better than a C; a C is better than a D; and a D is better than an F.

As an investor, you want to buy stocks with the highest probability of success. That means you want to buy stocks with a Zacks Rank #1 or #2, Strong Buy or Buy, which also has a Score of an A or a B in your personal trading style.

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A Value C Growth D Momentum B VGM

Industry Rank:

The Zacks Industry Rank assigns a rating to each of the 265 X (Expanded) Industries based on their average Zacks Rank.

An industry with a larger percentage of Zacks Rank #1's and #2's will have a better average Zacks Rank than one with a larger percentage of Zacks Rank #4's and #5's.

The industry with the best average Zacks Rank would be considered the top industry (1 out of 265), which would place it in the top 1% of Zacks Ranked Industries. The industry with the worst average Zacks Rank (265 out of 265) would place in the bottom 1%.

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Top 24% (60 out of 250)

Industry: Financial Transaction Services

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Balance Sheet

Research for BFH

The Zacks Equity Research reports, or ZER for short, are our in-house, independently produced research reports.

The ever popular one-page Snapshot reports are generated for virtually every single Zacks Ranked stock. It's packed with all of the company's key stats and salient decision making information. Including the Zacks Rank, Zacks Industry Rank, Style Scores, the Price, Consensus & Surprise chart, graphical estimate analysis and how a stocks stacks up to its peers.

The detailed multi-page Analyst report does an even deeper dive on the company's vital statistics. In addition to all of the proprietary analysis in the Snapshot, the report also visually displays the four components of the Zacks Rank (Agreement, Magnitude, Upside and Surprise); provides a comprehensive overview of the company business drivers, complete with earnings and sales charts; a recap of their last earnings report; and a bulleted list of reasons to buy or sell the stock. It also includes an industry comparison table to see how your stock compares to its expanded industry, and the S&P 500.

Researching stocks has never been so easy or insightful as with the ZER Analyst and Snapshot reports.

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Fiscal Year End for Bread Financial Holdings, Inc falls in the month of December.

All items in Millions except Per Share data.

12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019
Assets          
Cash & Equivalents 3,590 3,891 3,046 3,082 3,874
Receivables 17,005 18,901 15,567 15,160 18,743
Notes Receivable 0 0 0 0 0
Inventories 0 0 0 164 218
Other Current Assets 0 0 0 1,228 1,277
Total Current Assets 20,595 22,792 18,613 19,634 24,113
Net Property & Equipment 167 195 215 311 282
Investments & Advances 253 221 0 0 0
Other Non-Current Assets 0 0 0 0 0
Deferred Charges 0 0 0 359 45
Intangibles 762 799 687 1,451 1,108
Deposits & Other Assets 1,364 1,400 2,231 558 682
Total Assets 23,141 25,407 21,746 22,547 26,495
Liabilities & Shareholders Equity 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019
Notes Payable 0 0 0 0 0
Accounts Payable 0 0 0 328 301
Current Portion Long-Term Debt 3,898 6,115 5,453 8,506 10,075
Current Portion Capital Leases 0 0 0 0 0
Accrued Expenses 0 0 0 445 328
Income Taxes Payable 0 0 0 0 0
Other Current Liabilities 13,620 13,826 11,027 1,119 1,146
Total Current Liabilities 17,518 19,941 16,480 10,422 11,872
Mortgages 0 0 0 0 0
Deferred Taxes/Income 0 0 0 106 194
Convertible Debt 0 0 0 0 0
Long-Term Debt 1,394 1,892 1,986 9,802 12,211
Non-Current Capital Leases 0 0 0 0 0
Other Non-Current Liabilities 1,311 1,309 1,194 420 338
Minority Interest (Liabilities) 0 0 0 0 0
Total Liabilities 20,223 23,142 19,660 21,026 24,907
Shareholders Equity 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019
Preferred Stock 0 0 0 0 0
Common Stock (Par) 1 1 1 1 1
Capital Surplus 2,169 2,192 2,174 3,427 3,258
Retained Earnings 767 93 -87 4,832 5,163
Other Equity -19 -21 -2 -5 -100
Treasury Stock 0 0 0 6,734 6,734
Total Shareholder's Equity 2,918 2,265 2,086 1,522 1,588
Total Liabilities & Shareholder's Equity 23,141 25,407 21,746 22,547 26,495
Total Common Equity 2,918 2,265 2,086 1,522 1,588
Shares Outstanding 49.30 49.80 49.70 47.70 46.00
Book Value Per Share 59.19 45.48 41.97 31.90 34.53

Fiscal Year End for Bread Financial Holdings, Inc falls in the month of December.

All items in Millions except Per Share data.

3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023
Assets          
Cash & Equivalents 19,719 3,590 19,095 19,079 19,448
Receivables 0 17,005 0 0 0
Notes Receivable 0 0 0 0 0
Inventories 0 0 0 0 0
Other Current Assets 0 0 0 0 0
Total Current Assets 19,719 20,595 19,095 19,079 19,448
Net Property & Equipment 166 167 160 162 180
Investments & Advances 258 253 240 239 228
Other Non-Current Assets 0 0 0 0 0
Deferred Charges 0 0 0 0 0
Intangibles 753 762 771 780 790
Deposits & Other Assets 1,403 1,364 1,342 1,349 1,324
Total Assets 22,299 23,141 21,608 21,609 21,970
Liabilities & Shareholders Equity 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023
Notes Payable 0 0 0 0 0
Accounts Payable 0 0 0 0 0
Current Portion Long-Term Debt 3,358 3,898 2,848 3,323 3,015
Current Portion Capital Leases 0 0 0 0 0
Accrued Expenses 0 0 0 0 0
Income Taxes Payable 0 0 0 0 0
Other Current Liabilities 13,327 13,620 13,268 13,048 13,138
Total Current Liabilities 16,685 17,518 16,116 16,371 16,153
Mortgages 0 0 0 0 0
Deferred Taxes/Income 0 0 0 0 0
Convertible Debt 0 0 0 0 0
Long-Term Debt 1,294 1,394 1,375 1,375 1,869
Non-Current Capital Leases 0 0 0 0 0
Other Non-Current Liabilities 1,288 1,253 1,127 1,232
Minority Interest (Liabilities) 0 0 0 0 0
Total Liabilities 19,267 20,223 18,744 18,873 19,254
Shareholders Equity 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023
Preferred Stock 0 0 0 0 0
Common Stock (Par) 1 1 1 1 1
Capital Surplus 2,163 2,169 2,155 2,181 2,197
Retained Earnings 890 767 735 574 537
Other Equity -22 -19 -27 -20 -19
Treasury Stock 0 0 0 0 0
Total Shareholder's Equity 3,032 2,918 2,864 2,736 2,716
Total Liabilities & Shareholder's Equity 22,299 23,141 21,608 21,609 21,970
Total Common Equity 3,032 2,918 2,864 2,736 2,716
Shares Outstanding 49.50 49.30 49.30 50.20 50.10
Book Value Per Share 61.25 59.19 58.09 54.50 54.21