(BFH) Bread Financial Holdings - Ratings and Ratios

Bread Financial Holdings, Inc. (NYSE:BFH) is a leading provider of tech-driven payment and lending solutions, serving both consumers and consumer-based industries across North America. The company specializes in credit card and loan financing services, offering risk management solutions, account origination, and funding services for private label and co-brand credit card programs. It also operates the Comenity-branded general-purpose cash-back credit card, which is a popular choice for consumers looking for rewards programs.

One of the key strengths of Bread Financial is its ability to manage and service the loans it originates. This includes handling private label, co-brand, and general-purpose credit card programs, as well as installment loans and split-pay products. The company also provides marketing, data, and analytics services, which help its partners optimize their financial offerings and improve customer engagement.

Bread Financial has developed an enhanced digital suite that includes a unified software development kit (SDK). This SDK allows merchants and partners to seamlessly integrate Breads suite of products into their platforms, promoting credit and payment options earlier in the shopping experience. This approach not only enhances the customer experience but also drives higher conversion rates for merchants.

Through its Bread platform, the company offers a robust suite of application programming interfaces (APIs) that enable merchants and partners to integrate online point-of-sale financing and other digital payment products. Breads products are marketed under the Bread CashbackTM, Bread PayTM, and Bread SavingsTM brands, each tailored to meet specific consumer and merchant needs.

Formerly known as Alliance Data Systems Corporation, the company rebranded as Bread Financial Holdings, Inc. in March 2022. This rebranding reflects its focus on digital innovation and its commitment to simplifying financial transactions for consumers and businesses alike. Incorporated in 1995 and headquartered in Columbus, Ohio, Bread Financial has established itself as a trusted name in the consumer finance industry.

From a financial standpoint, Bread Financial Holdings, Inc. has a market capitalization of $3.12 billion USD, with a price-to-earnings (P/E) ratio of 11.32 and a forward P/E of 9.23. The companys price-to-book (P/B) ratio is 1.02, and its price-to-sales (P/S) ratio is 1.26. These metrics provide investors with a clear view of the companys valuation and its potential for future growth.

For investors and fund managers, Bread Financials focus on digital innovation, its robust suite of financial products, and its strong financial position make it an attractive option in the consumer finance sector. The companys ability to integrate cutting-edge technology into its payment and lending solutions positions it well to capitalize on the growing demand for seamless and efficient financial services.