Bread Financial (BFH)

Alliance Data® is a leading provider of data-driven marketing, loyalty and payment solutions serving large, consumer-based industries. The Company creates and deploys customized solutions that measurably change consumer behavior while driving business growth and profitability for some of today's most recognizable brands. Alliance Data helps its partners create and increase customer loyalty across multiple touch points using traditional, digital, mobile and emerging technologies. A FORTUNE 500 and S&P MidCap 400 company headquartered in Columbus, Ohio, Alliance Data consists of businesses that together employ nearly 8,000 associates at 45 locations worldwide.

Company profile

Edward Heffernan
Fiscal year end
Former names
Alliance Data Systems Corporation • A Delaware Corporation • ADS Alliance Data Systems, Inc. • ADS Card Services Foreign Holdings B.V. • ADS Financial Canada Co. • ADS Foreign Holdings LLC • ADS Reinsurance Ltd. • Alliance Data Foreign Holdings LLC • Alliance Data International LLC • Comenity LLC ...
IRS number

BFH stock data

Investment data

Data from SEC filings
Securities sold
Number of investors


5 May 22
3 Jul 22
31 Dec 22
Quarter (USD) Mar 22 Dec 21 Sep 21 Jun 21
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS
Annual (USD) Dec 21 Dec 20 Dec 19 Dec 18
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS
Cash burn rate (est.) Burn method: Change in cash Burn method: Operating income Burn method: FCF (opex + capex)
Last Q Avg 4Q Last Q Avg 4Q Last Q Avg 4Q
Cash on hand (at last report) 3.63B 3.63B 3.63B 3.63B 3.63B 3.63B
Cash burn (monthly) 96.33M (no burn) (no burn) (no burn) (no burn) (no burn)
Cash used (since last report) 296.29M n/a n/a n/a n/a n/a
Cash remaining 3.34B n/a n/a n/a n/a n/a
Runway (months of cash) 34.6 n/a n/a n/a n/a n/a

Beta Read what these cash burn values mean

Date Owner Security Transaction Code Indirect 10b5-1 $Price #Shares $Value #Remaining
15 Jun 22 Gerspach John C Common Stock Grant Acquire A No No 0 2,650 0 17,315
15 Jun 22 Ballou Roger H Common Stock Grant Acquire A No No 0 2,650 0 24,960
15 Jun 22 Karin Kimbrough Common Stock Grant Acquire A No No 0 2,650 0 4,164
15 Jun 22 Rajesh Natarajan Common Stock Grant Acquire A No No 0 2,650 0 8,597
15 Jun 22 Theriault Timothy J Common Stock Grant Acquire A No No 0 2,650 0 12,039
13F holders Current Prev Q Change
Total holders 302 346 -12.7%
Opened positions 46 65 -29.2%
Closed positions 90 73 +23.3%
Increased positions 96 116 -17.2%
Reduced positions 99 99
13F shares Current Prev Q Change
Total value 11.17B 15.92B -29.8%
Total shares 50.09M 50.48M -0.8%
Total puts 631.4K 1.06M -40.5%
Total calls 520.9K 722.5K -27.9%
Total put/call ratio 1.2 1.5 -17.5%
Largest owners Shares Value Change
BEN Franklin Resources 4.64M $260.78M +30.4%
Vanguard 4.59M $257.51M +4.5%
BLK Blackrock 4.54M $254.79M -0.5%
Franklin Mutual Advisers 3.54M $235.62M 0.0%
FMR 2.85M $159.8M +1908.7%
HG Vora Capital Management 2.5M $140.38M NEW
Turtle Creek Asset Management 2.2M $123.34M +20.0%
Southpoint Capital Advisors 2.15M $120.72M -12.2%
Lyrical Asset Management 1.85M $103.84M +4.6%
STT State Street 1.4M $78.87M +6.9%
Largest transactions Shares Bought/sold Change
FMR 2.85M +2.7M +1908.7%
HG Vora Capital Management 2.5M +2.5M NEW
Thrivent Financial For Lutherans 136.24K -1.14M -89.3%
BEN Franklin Resources 4.64M +1.08M +30.4%
BNS Bank Of Nova Scotia 0 -599K EXIT
Artemis Investment Management 0 -574.55K EXIT
Vaughan Nelson Investment Management 0 -573.63K EXIT
Lord, Abbett & Co. 0 -546.14K EXIT
Parametric Portfolio Associates 0 -524.06K EXIT
Arctis Global 270.75K -492.8K -64.5%

Financial report summary


Content analysis

H.S. freshman Avg
New words: absence, absorb, accompanying, accrual, ADS, AFS, ahead, alter, alternative, American, ancillary, area, Article, assertion, assist, assistance, began, beneficiary, BFH, billed, BJ, book, brand, branded, broadly, Buffer, Bureau, buy, calibrated, cancel, CashbackTM, categorized, Cautionary, ceased, certainty, CFPB, choice, choosing, clarity, classification, classified, Club, comparison, comply, concentrated, conflict, consecutive, Conservation, conservative, context, counter, coupled, covered, create, cyberattack, cycle, daily, damage, degree, deliver, delivering, demonstrate, demonstrated, deployed, description, detrimental, difficulty, diminished, disposition, duration, ease, Efficiency, employee, empowerment, enabled, EPS, event, examination, examined, exceeded, exclusive, exist, existing, expansion, experienced, experiencing, face, flat, flexibility, foregoing, foreseeable, formal, found, framework, freedom, full, gasoline, geopolitical, globe, governmental, guarantee, highest, highlighted, hiring, history, holiday, identical, identification, implementation, imply, inactive, inclusive, incurrence, inflation, inflationary, inherent, innovation, insignificant, insufficient, Interchange, judgement, jurisdiction, lack, lead, leading, legal, lesser, lifetime, likelihood, litigation, lowest, lump, mandatory, meant, middle, military, minimizing, mix, modernization, multiple, NaN, negate, Network, nominal, nondeductible, nonrecurring, NYSE, open, order, orderly, overview, parent, partially, partner, partnering, partnership, percent, personal, personalized, phase, pipeline, power, PPNR, preceding, precisely, proactive, product, prompt, proportionately, reclassification, regular, reinvestment, relationship, relied, removed, renamed, repay, replace, replenishment, repurchase, repurchased, reputation, requested, requisite, reside, resume, retaliatory, retention, RR, Russia, satisfy, saving, SavingsTM, scale, seller, shopping, short, simple, size, slower, spun, stability, staffing, standalone, stockholder, strongest, substantially, suite, sum, suspended, Tangible, TDR, terrorism, ticker, titled, tradeoff, transferor, trustee, type, Ukraine, unadjusted, unaware, understanding, unexpected, unfunded, unilateral, unissued, unknown, Unregistered, unsecured, unused, upside, VantageScore, variance, variety, vigilant, visibility, war, weaker, wholesale, York
Removed: accommodate, accruing, Additionally, administer, administrative, ADSC, aggregated, aging, AIR, airline, allocate, analyze, announced, annually, apply, approval, ASC, assumed, ASU, attack, attributed, audit, base, Beberman, beneficial, borrow, BrandLoyalty, bridge, build, calculate, Canada, care, Carlo, category, certificate, charged, clarified, closing, coalition, Codification, collector, commencement, Commissioner, concession, Conclusion, consideration, consisted, consistency, contact, counterpart, covenant, customary, de, deciding, declaration, deferral, delayed, deliberate, Depending, derivative, designated, deterioration, determinable, determination, develop, developed, disaggregated, disclose, disposal, domestic, dynamic, EBITDA, effectively, effort, enterprise, equivalent, estate, European, evolve, exemption, extend, Facilitation, FASB, footnote, fulfilling, hedge, hedging, home, horizon, immaterial, implicit, imposed, input, instituted, Interagency, Interbank, international, interpretation, inventory, lease, length, LIBOR, liquid, Lon, London, maker, manage, marketable, matching, medical, merge, merger, mile, misleading, monitored, Monte, Nielsen, nonlease, obligor, obtain, obtaining, offering, office, omnichannel, onset, optimization, optional, overhead, paper, party, payroll, periodically, Perry, plc, practical, Precima, preferred, present, President, priority, profit, promote, proposed, prospective, provincial, ranged, rapid, readily, real, realizable, receivable, recourse, recoverable, recur, redemption, reform, region, remeasured, remeasurement, reportable, response, Retirement, retrospective, revert, reviewed, reward, safety, schedule, seeking, separately, September, sequential, settlement, settling, show, shown, Simplifying, single, situation, social, solution, source, standard, strain, Supplemental, surviving, tool, translation, travel, ultimate, undrawn, unfavorable, unit, utilizing, varying, Vice, volume, withdrew, work