About Bread Financial Holdings, Inc.
https://www.breadfinancial.comBread Financial Holdings, Inc. provides tech-forward payment and lending solutions to customers and consumer-based industries in North America.
CEO
Ralph J. Andretta
Compensation Summary
(Year 2022)
Split Record
| Date | Type | Ratio |
|---|---|---|
| 2021-11-08 | Forward | 1253:1000 |
ETFs Holding This Stock
Summary
Showing Top 3 of 214
Ratings Snapshot
Rating : A-
Most Recent Analyst Grades
B of A Securities
Buy
Compass Point
Buy
Keefe, Bruyette & Woods
Outperform
JMP Securities
Market Perform
RBC Capital
Sector Perform
Evercore ISI Group
In Line
Grade Summary
Showing Top 6 of 12
Price Target
Institutional Ownership
VANGUARD GROUP INC
Shares:5.27M
Value:$363.89M
BLACKROCK INC.
Shares:4.83M
Value:$333.26M
BLACKROCK, INC.
Shares:4.53M
Value:$312.69M
Summary
Showing Top 3 of 376
About Bread Financial Holdings, Inc.
https://www.breadfinancial.comBread Financial Holdings, Inc. provides tech-forward payment and lending solutions to customers and consumer-based industries in North America.
Income Statement
| Period | Revenue | Operating Expense | Net Income | Net Profit Margin | Earnings Per Share | EBITDA |
|---|---|---|---|---|---|---|
| Q3-2025 | $1.18B ▲ | $476M ▼ | $188M ▲ | 15.92% ▲ | $4.04 ▲ | $215M ▲ |
| Q2-2025 | $1.15B ▼ | $481M ▲ | $139M ▲ | 12.1% ▲ | $2.98 ▲ | $195M ▼ |
| Q1-2025 | $1.2B ▲ | $477M ▼ | $138M ▲ | 11.55% ▲ | $2.81 ▲ | $218M ▲ |
| Q4-2024 | $1.16B ▼ | $535M ▼ | $7M ▲ | 0.61% ▲ | $0.14 ▲ | $-5M ▼ |
| Q3-2024 | $1.22B | $574M | $2M | 0.16% | $0.04 | $62M |
Balance Statement
| Period | Cash & Short-term | Total Assets | Total Liabilities | Total Equity |
|---|---|---|---|---|
| Q3-2025 | $4.05B ▲ | $21.71B ▼ | $18.4B ▼ | $3.32B ▲ |
| Q2-2025 | $3.98B ▼ | $21.82B ▼ | $18.66B ▼ | $3.17B ▲ |
| Q1-2025 | $4.21B ▲ | $22.38B ▼ | $19.31B ▼ | $3.07B ▲ |
| Q4-2024 | $3.85B ▲ | $22.89B ▲ | $19.84B ▲ | $3.05B ▼ |
| Q3-2024 | $3.63B | $21.74B | $18.62B | $3.11B |
Cash Flow Statement
| Period | Net Income | Cash From Operations | Cash From Investing | Cash From Financing | Net Change | Free Cash Flow |
|---|---|---|---|---|---|---|
| Q3-2025 | $188M ▲ | $605M ▲ | $-338M ▼ | $-306M ▲ | $0 ▲ | $597M ▲ |
| Q2-2025 | $138M | $526M ▲ | $-221M ▼ | $-723M ▼ | $-418M ▼ | $526M ▲ |
| Q1-2025 | $138M ▲ | $393M ▼ | $691M ▲ | $-562M ▼ | $522M ▲ | $393M ▼ |
| Q4-2024 | $7M ▲ | $479M ▲ | $-1.35B ▼ | $1.11B ▲ | $243M ▲ | $479M ▼ |
| Q3-2024 | $2M | $456M | $-569M | $-488M | $-601M | $482M |
Revenue by Geography
| Region | Q4-2020 | Q2-2021 | Q1-2021 | Q3-2021 |
|---|---|---|---|---|
 Asia Pacific | $20.00M ▲ | $20.00M ▲ | $10.00M ▼ | $20.00M ▲ |
 C | $70.00M ▲ | $70.00M ▲ | $80.00M ▲ | $80.00M ▲ |
 EMEA | $140.00M ▲ | $50.00M ▼ | $80.00M ▲ | $70.00M ▼ |
 Other Geographic Regions | $0 ▲ | $0 ▲ | $0 ▲ | $0 ▲ |
| U | $880.00M ▲ | $860.00M ▼ | $910.00M ▲ | $930.00M ▲ |
CEO
Ralph J. Andretta
Compensation Summary
(Year 2022)
Split Record
| Date | Type | Ratio |
|---|---|---|
| 2021-11-08 | Forward | 1253:1000 |
ETFs Holding This Stock
Summary
Showing Top 3 of 214
Ratings Snapshot
Rating : A-
Most Recent Analyst Grades
B of A Securities
Buy
Compass Point
Buy
Keefe, Bruyette & Woods
Outperform
JMP Securities
Market Perform
RBC Capital
Sector Perform
Evercore ISI Group
In Line
Grade Summary
Showing Top 6 of 12
Price Target
Institutional Ownership
VANGUARD GROUP INC
Shares:5.27M
Value:$363.89M
BLACKROCK INC.
Shares:4.83M
Value:$333.26M
BLACKROCK, INC.
Shares:4.53M
Value:$312.69M
Summary
Showing Top 3 of 376