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

Ticker

BFH

Exchange

NYSE

Website

www.alliancedata.com

CEO

Edward Heffernan

Incorporated

Delaware

Location

Ohio

Fiscal year end

Dec 31

Sector

Information > Data Processing, Hosting, and Related Services

Industry (SIC)

Services - Business Services, NEC

Alibaba Group Holding • Visa • EBay • DiDi Global • Uber • PayPal • Accenture • Nielsen • Fidelity National Information Services • Mastercard ...

Former names

ALLIANCE DATA SYSTEMS CORP

SEC CIK

0001101215

Corporate docs

Articles of Incorporation & Bylaws

Underwriting Agreements

Plans of Reorganization

Indentures

Material Contracts & Credit Agreements

Subsidiaries Lists

Subsidiaries

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

311429215

BFH stock data

1M 1Y 5Y

News

From Benzinga Pro

Stocks That Hit 52-Week Lows On Friday

1 Jul 22

On Friday, 319 stocks hit new 52-week lows.

Stocks That Hit 52-Week Lows On Wednesday

29 Jun 22

During Wednesday's session, 340 companies made new 52-week lows.

Stocks That Hit 52-Week Lows On Thursday

23 Jun 22

On Thursday, 216 stocks hit new 52-week lows.

Stocks That Hit 52-Week Lows On Tuesday

14 Jun 22

Here's Why Bread Financial Shares Are Up Post Q1

28 Apr 22

Press releases

From Benzinga Pro

Bread Financial Provides Performance Update for May 2022

15 Jun 22

Bread Financial Holdings, Inc. (NYSE:BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions, provided a performance update. The following tables present

Bread Financial to Participate in the Morgan Stanley US Financials, Payments & CRE Conference

7 Jun 22

Bread Financial Holdings (NYSE:BFH), a leading provider of tech-forward payment and lending solutions, today announced the Company's participation in the Morgan Stanley US Financials, Payments & CRE Conference on

Bread Financial Releases 2021 ESG Performance Report; Introduces Renewed & Enhanced ESG Strategy

24 May 22

Ninth annual report provides well-defined framework and roadmap that clearly outlines Company's social and environmental priorities Bread Financial (NYSE:BFH), a tech-forward financial services company that provides

Bread Financial Provides Performance Update for April 2022

16 May 22

Bread Financial Provides Performance Update for March 2022

28 Apr 22

Investment data

Data from SEC filings

Securities sold

Number of investors

Calendar

5 May 22

3 Jul 22

31 Dec 22

Financial summary

Financial statements Chart BFH financial data

Quarter (USD)	Mar 22	Dec 21	Sep 21	Jun 21
Revenue
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
Revenue
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

Financial data from company earnings reports.

Recent insider trades

BFH insider ownership history Insider history

Date	Owner	Security	Transaction	Code	Indirect	10b5-1	#Shares	#Remaining
15 Jun 22	Gerspach John C	Common Stock	Grant	Acquire A	No	No	2,650	17,315
15 Jun 22	Ballou Roger H	Common Stock	Grant	Acquire A	No	No	2,650	24,960
15 Jun 22	Karin Kimbrough	Common Stock	Grant	Acquire A	No	No	2,650	4,164
15 Jun 22	Rajesh Natarajan	Common Stock	Grant	Acquire A	No	No	2,650	8,597
15 Jun 22	Theriault Timothy J	Common Stock	Grant	Acquire A	No	No	2,650	12,039

Data from 3, 4 and 5 filings. Values as filed, not updated for current price.

Institutional ownership, Q1 2022

BFH institutional ownership history Ownership history

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%

Data from 13F filings, for the last complete 13F reporting period. For most recent data, click the ownership history button. Values as filed, not updated for current price. Long positions only.

Financial report summary

Competition

Mastercard • ICF International • Visa • Synchrony Financial

Content analysis

Positive
Negative
Uncertain
Constraining
Legalese
Litigous
Readability	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

From filing 10-Q 2022 Q1

Financial reports

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