Bread Financial Holdings, Inc. provides tech-forward payment and lending solutions to customers and consumer-based industries in North America. It offers credit card and other loans financing services, including risk management solutions, account origination, and funding services for approximately 130 private label and co-brand credit card programs, as well as through Bread partnerships to approximately 500 small-and medium-sized businesses merchants; and Comenity-branded general purpose cash-back credit. 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; and provides marketing, and data and analytics services. In addition, it offers an enhanced digital suite that includes a unified software development kit, which provides access to its suite of products, as well as promotes credit payment options earlier in the shopping experience. Further, the company through Bread, a digital payments platform and robust suite of application programming interfaces allows merchants and partners to integrate online point-of-sale financing and other digital payment products, including installment and split-pay solutions. The company was formerly known as Alliance Data Systems Corporation and changed its name to Bread Financial Holdings, Inc. in March 2022. Bread Financial Holdings, Inc. was founded in 1996 and is headquartered in Columbus, Ohio.

Bread Financial Holdings, Inc.

Knife & Fork Inn is a steak and seafood restaurant located in Atlantic City, NJ.

Knife & Fork Inn

Bread Financial is a leading provider of simple, personalized payment, lending, and saving solutions. We create opportunities for our customers and partners through digitally enabled choices that offer ease, empowerment, and financial flexibility. 

Bread Financial

It was a pleasure to host friends from My Possibilities at our Plano office last week. The #HIPsters (Hugely Important People) performed holiday songs for associates and were a huge hit! 🎼 
 
Bread Financial is a long-time corporate partner of My Possibilities, a pioneering leader in vocational training and job placement for adults with intellectual and/or developmental disabilities throughout North Texas. 

#lifeatbreadfinancial #MPTX #happyholidays

At Bread Financial, we embrace and promote #diversity, #equity and #inclusion (DE&I) to create a sense of belonging, drive value for our stakeholders and accelerate responsible, sustainable growth. Over the past year, the DE&I office has sparked crucial conversations with associates, brand partners and clients, organized impactful events at work and in the community, and championed the core values that make our organization a great place to work and thrive. I look forward to 2024 with optimism and renewed energy and am eager to see the continued progress and innovation that will stem for our DE&I initiatives. 
 
Click the link below to learn more about DE&I at Bread Financial and the progress we’ve made in our four key strategy pillars. #lifeatbreadfinancial 

If you’re someone who emphasizes the importance of teamwork when finding solutions to business problems, this open role at Bread Financial may be for you. 🤝

We're #hiring a Senior Mobile Developer that is responsible for building pipelines, test strategies and cloud environments to be used in development processes. The ideal candidate will cultivate relationships across roles and organizations to maximize collaboration, partnership, and efficiency, and provide peer coaching and feedback. 

Apply now. ⬇️

#lifeatbreadfinancial #jobsintech #ITjobs #infotechjobs #engineerjobs

Say hello to Michelle, your average American shopper in 2023. 👋

As inflation continues her spending habits have been impacted, and while she’s still shopping regularly, she now seeks out better deals and is more careful with each dollar she spends.

Learn more about the average American shopper by downloading our free State of the American Shopper eBook at the link below. ⬇️

Metric
Company Name	Bread Financial Holdings, Inc.	Knife & Fork Inn
Symbol	BFH
MSH ID	COM:BREADFINANCIAL	COM:KNIFEANDFORKINN
Market	STOCKS	PRIVATE
Sector	Financial Services	Consumer Services
Industry	Financial - Credit Services	Food & Beverage
Country	US	US
Stage
Employee Count	7K
Website	breadfinancial.com	knifeandforkinn.com
LinkedIn	bread-financial
Founders

Metric
Market Cap	2.29B
Enterprise Value
Monthly Web Traffic
Web Traffic Growth
Valuation
Raised Capital

Metric
Revenue	4.29B
Revenue (LTM)
Revenue (NTM)
Gross Profit	4.29B
EBITDA	1.94B
Operating Income	737M
Net Income	718M
EPS	14.79
Diluted EPS	14.74
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin	1
Operating Profit Margin	0.17
EBITDA Margin	0.45
Net Profit Margin	0.17
Return on Equity	0.26
Return on Assets	0.03
Return on Capital Employed	0.03

COM:BREADFINANCIAL

Bread Financial Holdings, Inc.

Last Close

56.80

22/11 21:00

Market Cap

2.29B

Beta: -

Volume Today

542.99K

Avg: -

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio	3.18
P/B Ratio	0.60
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio	0.65
EV Multiple	3.07

Metric
Days Sales Outstanding
Days Payables Outstanding
Days Inventory Outstanding
Operating Cycle
Cash Conversion Cycle
Asset Turnover	0.20

Metric
Operating Cash Flow	1.99B
Free Cash Flow	1.94B
Cash Flow to Debt	1.57
Operating Cash Flow/Sales	0.55
Free Cash Flow Yield	1.09

Metric
Cash & Equivalents	3.59B
Accounts Receivable
Inventory	-974M
Goodwill	634M
Debt to Capitalization	0.66
Debt to Assets	0.20
Current Ratio
Quick Ratio	9.25

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue	0.01
R&D to Revenue
SG&A to Revenue	0.20