Bread Financial (BFH)

A Delaware Corporation • ADS Card Services Foreign Holdings B.V. • Bread Financial Canada Co. • Bread Financial Payments, Inc. • Bread Reinsurance Ltd. • Comenity Canada L.P. • Comenity Capital Credit Company, LLC • Comenity Servicing LLC • Lon Administration LLC • Lon Holdings LLC ...

IRS number

311429215

BFH stock data

1M 3M 6M 1Y

Analyst ratings and price targets

Last 3 months

Average target

$56.83

Low target

$34.00

High target

$88.00

Keefe, Bruyette & Woods

Latest filings (excl ownership)

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8-K

Regulation FD Disclosure

30 Oct 24

Regulation FD Disclosure

24 Oct 24

8-K

Results of Operations and Financial Condition

24 Oct 24

8-K

Amendment No. 1 to Credit Agreement

21 Oct 24

8-K

Regulation FD Disclosure

16 Sep 24

8-K

Regulation FD Disclosure

31 Jul 24

Regulation FD Disclosure

25 Jul 24

8-K

Results of Operations and Financial Condition

25 Jul 24

Transcripts

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BFH

Earnings call transcript

2024 Q3

24 Oct 24

BFH

Earnings call transcript

2024 Q2

25 Jul 24

BFH

Earnings call transcript

2024 Q1

25 Apr 24

BFH

Earnings call transcript

2023 Q4

25 Jan 24

BFH

Earnings call transcript

2023 Q3

26 Oct 23

BFH

Earnings call transcript

2023 Q2

27 Jul 23

BFH

Earnings call transcript

2023 Q2

27 Jul 23

BFH

Earnings call transcript

2023 Q1

27 Apr 23

BFH

Earnings call transcript

2022 Q4

26 Jan 23

BFH

Earnings call transcript

2022 Q3

27 Oct 22

Latest ownership filings

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SC 13G/A

Turtle Creek Asset Management Inc.

Financial summary

Financial statements Chart BFH financial data

Quarter (USD)	Sep 24	Jun 24	Mar 24	Dec 23
Revenue
Cost of revenue
Operating income
Operating margin
Net income
Net profit margin
Cash on hand
Change in cash
Diluted EPS

Annual (USD)	Dec 23	Dec 22	Dec 21	Dec 20
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)	3.47 bn	3.47 bn	3.47 bn	3.47 bn	3.47 bn	3.47 bn
Cash burn (monthly)	200.33 mm	(no burn)	(no burn)	(no burn)	(no burn)	(no burn)
Cash used (since last report)	560.71 mm	n/a	n/a	n/a	n/a	n/a
Cash remaining	2.91 bn	n/a	n/a	n/a	n/a	n/a
Runway (months of cash)	14.5	n/a	n/a	n/a	n/a	n/a

Beta Read what these cash burn values mean

Financial data from company earnings reports.

Institutional ownership, Q3 2024

BFH institutional ownership history Ownership history

13F holders	Current	Prev Q	Change
Total holders	324	291	+11.3%
Opened positions	70	48	+45.8%
Closed positions	37	39	-5.1%
Increased positions	110	92	+19.6%
Reduced positions	93	94	-1.1%

13F shares	Current	Prev Q	Change
Total value	2.33 tn	2.28 tn	+1.9%
Total shares	54.53 mm	56.99 mm	-4.3%
Total puts	1.30 mm	890.10 k	+46.5%
Total calls	316.80 k	286.90 k	+10.4%
Total put/call ratio	4.1	3.1	+32.7%

Largest owners	Shares	Value	Change
Vanguard	5.81 mm	$276.56 bn	+0.5%
BLK BlackRock	4.83 mm	$229.64 bn	NEW
Turtle Creek Asset Management	4.58 mm	$218.09 bn	-2.1%
Dimensional Fund Advisors	3.19 mm	$151.65 bn	+0.5%
Franklin Mutual Advisers	2.84 mm	$0.00	0.0%
Wellington Management	2.11 mm	$100.52 bn	-28.9%
STT State Street	2.03 mm	$96.80 bn	+2.1%
HBCYF HSBC	1.44 mm	$68.22 bn	-2.5%
VA Partners I	1.38 mm	$147.12 mm	0.0%
American Century Companies	1.29 mm	$61.57 bn	+11.4%

Largest transactions	Shares	Bought/sold	Change
BLK BlackRock	0.00	-4.83 mm	EXIT
BLK BlackRock	4.83 mm	+4.83 mm	NEW
Millennium Management	209.67 k	-1.25 mm	-85.7%
Victory Capital Management	76.83 k	-1.17 mm	-93.9%
Wellington Management	2.11 mm	-859.05 k	-28.9%
Ubs Global Asset Management Americas	125.78 k	-832.89 k	-86.9%
Point72 Asset Management	71.04 k	-574.65 k	-89.0%
Citadel Advisors	240.71 k	-503.02 k	-67.6%
Voloridge Investment Management	455.82 k	+455.82 k	NEW
Jupiter Asset Management	308.79 k	+308.79 k	NEW

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.

Recent insider trades

BFH insider ownership history Insider history

Date	Owner	Security	Transaction	Code	Indirect	10b5-1	$Price	#Shares	$Value	#Remaining
28 Oct 24	John J. Fawcett	Common Stock	Buy	Acquire P	No	No	51.02	1,000	51.02 k	6,473
15 Oct 24	Gerspach John C	Common Stock	Grant	Acquire A	No	No	0	744	0.00	40,635
12 Aug 24	John J. Fawcett	Common Stock	Buy	Acquire P	No	No	49.8219	2,000	99.64 k	5,473
15 Jul 24	Gerspach John C	Common Stock	Grant	Acquire A	No	No	0	887	0.00	39,891
15 Jul 24	Praniti Lakhwara	Common Stock	Grant	Acquire A	No	No	0	2,820	0.00	2,820