Complete financial analysis of Bread Financial Holdings, Inc. (ADS) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of Bread Financial Holdings, Inc., a leading company in the Financial – Credit Services industry within the Financial Services sector.
You may be interested
- Dynex Capital, Inc. (DX) Income Statement Analysis – Financial Results
- Nubian Resources Ltd. (NBRFF) Income Statement Analysis – Financial Results
- Consumer Portfolio Services, Inc. (CPSS) Income Statement Analysis – Financial Results
- Kaleyra, Inc. (KLR) Income Statement Analysis – Financial Results
- CrystalGenomics, Inc. (083790.KQ) Income Statement Analysis – Financial Results
Bread Financial Holdings, Inc. (ADS)
Industry: Financial - Credit Services
Sector: Financial Services
Website: https://www.breadfinancial.com
About Bread Financial Holdings, Inc.
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.
| Metric | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 3.06B | 3.87B | 3.27B | 4.52B | 5.58B | 5.67B | 7.72B | 7.14B | 6.44B | 5.30B | 4.32B | 3.64B | 3.17B | 2.79B | 1.96B | 2.04B | 2.30B | 2.01B | 1.55B | 1.26B | 1.05B | 871.45M | 777.35M | 678.20M | 583.08M | 410.91M |
| Cost of Revenue | 0.00 | 0.00 | 1.59B | 2.68B | 3.41B | 3.08B | 5.00B | 4.85B | 4.29B | 3.62B | 2.96B | 2.51B | 2.21B | 1.95B | 144.80M | 1.42B | 1.71B | 1.48B | 1.12B | 916.20M | 787.17M | 668.23M | 603.49M | 547.99M | 466.86M | 0.00 |
| Gross Profit | 3.06B | 3.87B | 1.68B | 1.84B | 2.17B | 2.59B | 2.72B | 2.29B | 2.15B | 1.68B | 1.36B | 1.14B | 967.50M | 841.90M | 1.82B | 619.58M | 590.64M | 523.12M | 427.85M | 341.24M | 261.98M | 203.22M | 173.86M | 130.21M | 116.23M | 410.91M |
| Gross Profit Ratio | 100.00% | 100.00% | 51.31% | 40.79% | 38.95% | 45.66% | 35.22% | 32.08% | 33.44% | 31.72% | 31.38% | 31.17% | 30.49% | 30.16% | 92.63% | 30.36% | 25.66% | 26.09% | 27.56% | 27.14% | 24.97% | 23.32% | 22.37% | 19.20% | 19.93% | 100.00% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 30.00M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 867.00M | 779.00M | 671.00M | 105.70M | 150.60M | 162.50M | 166.30M | 143.20M | 138.48M | 141.47M | 109.12M | 108.06M | 95.26M | 85.77M | 99.82M | 82.80M | 80.90M | 91.82M | 91.53M | 77.74M | 54.03M | 56.10M | 45.43M | 0.00 | 0.00 | 0.00 |
| Selling & Marketing | 161.00M | 180.00M | 160.00M | 143.00M | 205.00M | 0.00 | 0.00 | 2.02B | 2.01B | 1.44B | 1.29B | 0.00 | 0.00 | 0.00 | 0.00 | 525.92M | 452.14M | 319.70M | 185.31M | 644.85M | 548.05M | 502.43M | 482.22M | 0.00 | 0.00 | 0.00 |
| SG&A | 1.03B | 959.00M | 831.00M | 105.70M | 150.60M | 162.50M | 166.30M | 143.20M | 138.48M | 141.47M | 109.12M | 108.06M | 95.26M | 85.77M | 99.82M | 82.80M | 80.90M | 91.82M | 91.53M | 77.74M | 54.03M | 56.10M | 45.43M | 32.20M | 35.97M | 17.59M |
| Other Expenses | 0.00 | -1.07B | 187.00M | 1.34B | 1.21B | 1.50B | 1.64B | 1.45B | 1.16B | 844.23M | 561.88M | 452.36M | 453.47M | 531.05M | 125.29M | 135.82M | 166.63M | 125.04M | 102.71M | 91.40M | 74.56M | 66.48M | 74.20M | 76.14M | 77.80M | 387.84M |
| Operating Expenses | 1.47B | 180.00M | 1.02B | 1.45B | 1.36B | 1.37B | 1.64B | 1.45B | 1.16B | 844.20M | 561.90M | 452.40M | 453.40M | 531.00M | 1.56B | 218.62M | 247.53M | 216.86M | 194.24M | 169.14M | 128.59M | 122.57M | 119.64M | 108.35M | 113.77M | 405.43M |
| Cost & Expenses | 1.47B | 180.00M | 2.61B | 4.13B | 4.77B | 4.45B | 6.64B | 6.30B | 5.45B | 4.47B | 3.53B | 2.96B | 2.66B | 2.48B | 1.70B | 1.64B | 1.96B | 1.70B | 1.32B | 1.09B | 915.76M | 790.80M | 723.13M | 656.33M | 580.63M | 405.43M |
| Interest Income | 5.15B | 4.68B | 3.87B | 3.95B | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 15.60M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest Expense | 879.00M | 503.00M | 383.00M | 108.50M | 130.00M | 156.40M | 282.70M | 218.20M | 179.50M | 131.90M | 181.10M | 173.50M | 148.80M | 133.80M | 144.80M | 79.25M | 0.00 | 0.00 | 14.48M | 6.97M | 17.28M | 21.22M | 30.10M | 0.00 | 0.00 | 0.00 |
| Depreciation & Amortization | 116.00M | 113.00M | 92.00M | 106.00M | 188.00M | 203.40M | 497.60M | 512.10M | 492.10M | 313.10M | 216.10M | 166.90M | 153.10M | 143.20M | 125.41M | 143.81M | 166.63M | 125.04M | 99.71M | 91.40M | 74.56M | 66.48M | 74.20M | 76.14M | 0.00 | 43.77M |
| EBITDA | 0.00 | 0.00 | 1.14B | 407.00M | 1.50B | 1.96B | 2.14B | 1.78B | 1.75B | 1.15B | 1.32B | 849.78M | 997.56M | 781.17M | 365.69M | 528.07M | 598.30M | 478.90M | 336.32M | 262.69M | 205.35M | 140.97M | 124.80M | 98.01M | 2.46M | 49.25M |
| EBITDA Ratio | 0.00% | 23.64% | 35.67% | 12.79% | 20.27% | 30.04% | 20.45% | 18.90% | 24.06% | 21.71% | 23.37% | 23.33% | 21.03% | 16.27% | 13.38% | 26.89% | 25.11% | 21.51% | 21.47% | 18.64% | -10.03% | -8.09% | -4.68% | -10.97% | 0.42% | 11.99% |
| Operating Income | 1.59B | 802.00M | 1.04B | 394.50M | 882.20M | 1.76B | 1.65B | 1.27B | 1.26B | 1.10B | 1.10B | 974.30M | 812.70M | 629.20M | 407.70M | 460.50M | 344.28M | 347.27M | 233.61M | 172.10M | 133.39M | 80.65M | 54.22M | 21.87M | 2.46M | 5.48M |
| Operating Income Ratio | 52.06% | 20.72% | 31.91% | 8.73% | 15.81% | 31.01% | 21.32% | 17.73% | 19.54% | 20.71% | 25.44% | 26.76% | 25.61% | 22.54% | 20.76% | 22.56% | 14.96% | 17.32% | 15.05% | 13.69% | 12.71% | 9.25% | 6.98% | 3.22% | 0.42% | 1.33% |
| Total Other Income/Expenses | -625.00M | 76.00M | -519.00M | -587.40M | -569.00M | -679.30M | -564.40M | -428.50M | -330.26M | -260.57M | -305.50M | -291.46M | -298.59M | -318.33M | -144.81M | -63.65M | 7.57M | -41.00M | -14.48M | -7.78M | -24.41M | -32.78M | -54.89M | -41.35M | -42.79M | -5.48M |
| Income Before Tax | 968.00M | 300.00M | 1.04B | 394.50M | 738.40M | 1.22B | 1.08B | 837.00M | 928.30M | 837.90M | 793.40M | 682.80M | 514.10M | 310.90M | 262.90M | 396.85M | 274.75M | 306.27M | 222.13M | 164.32M | 108.98M | 47.42M | 4.00M | -19.48M | -40.33M | 0.00 |
| Income Before Tax Ratio | 31.63% | 7.75% | 31.91% | 8.73% | 13.23% | 21.44% | 14.00% | 11.73% | 14.42% | 15.80% | 18.37% | 18.75% | 16.20% | 11.14% | 13.38% | 19.45% | 11.94% | 15.27% | 14.31% | 13.07% | 10.39% | 5.44% | 0.51% | -2.87% | -6.92% | 0.00% |
| Income Tax Expense | 231.00M | 76.00M | 247.00M | 99.50M | 165.80M | 269.50M | 292.40M | 319.40M | 325.10M | 321.80M | 297.20M | 260.60M | 198.80M | 115.30M | 86.20M | 153.45M | 110.69M | 116.66M | 83.38M | 61.95M | 41.68M | 20.67M | 11.61M | 1.84M | -10.49M | 0.00 |
| Net Income | 718.00M | 223.00M | 801.00M | 295.00M | 572.60M | 963.10M | 788.70M | 515.80M | 594.30M | 506.30M | 496.20M | 422.20M | 315.30M | 193.70M | 143.70M | 217.39M | 164.06M | 189.61M | 138.75M | 102.37M | 67.30M | 26.20M | -8.23M | -21.32M | -29.84M | 0.00 |
| Net Income Ratio | 23.46% | 5.76% | 24.48% | 6.52% | 10.26% | 17.00% | 10.22% | 7.23% | 9.23% | 9.55% | 11.49% | 11.59% | 9.94% | 6.94% | 7.32% | 10.65% | 7.13% | 9.46% | 8.94% | 8.14% | 6.41% | 3.01% | -1.06% | -3.14% | -5.12% | 0.00% |
| EPS | 14.42 | 4.47 | 16.12 | 6.17 | 11.45 | 17.54 | 14.17 | 7.37 | 8.91 | 8.72 | 10.09 | 8.44 | 6.22 | 3.69 | 2.58 | 2.88 | 2.09 | 2.38 | 1.69 | 1.27 | 0.86 | 0.32 | -0.13 | -0.45 | -0.70 | -0.43 |
| EPS Diluted | 14.36 | 4.46 | 16.02 | 6.16 | 11.45 | 17.48 | 14.10 | 7.34 | 8.85 | 7.87 | 7.42 | 6.58 | 5.45 | 3.48 | 2.49 | 2.80 | 2.03 | 2.32 | 1.64 | 1.22 | 0.84 | 0.31 | -0.13 | -0.45 | -0.70 | -0.43 |
| Weighted Avg Shares Out | 49.80M | 49.90M | 49.70M | 47.80M | 50.00M | 54.90M | 55.70M | 58.60M | 61.90M | 56.40M | 49.19M | 50.01M | 50.69M | 52.53M | 55.77M | 71.50M | 78.40M | 79.74M | 82.21M | 80.61M | 78.25M | 73.93M | 64.58M | 47.54M | 42.63M | 41.73M |
| Weighted Avg Shares Out (Dil) | 50.00M | 50.00M | 50.00M | 47.90M | 50.00M | 55.10M | 55.90M | 58.90M | 62.30M | 62.40M | 66.87M | 64.14M | 57.80M | 55.71M | 57.71M | 73.64M | 80.81M | 81.69M | 84.64M | 84.04M | 80.12M | 76.32M | 64.58M | 47.54M | 42.63M | 41.73M |
Alliance Data Schedules Second-Quarter 2021 Earnings Conference Call for July 29, 2021
COLUMBUS, Ohio, July 13, 2021 /PRNewswire/ -- Alliance Data Systems Corporation (NYSE: ADS), a leading provider of data-driven marketing, loyalty and payment solutions, will host a conference call on Thursday, July 29, 2021, at 8:30 a.m. ET to discuss the Company's...
Alliance Data (ADS) Up 42% YTD: Can it Retain the Momentum?
A well performing, high return on equity (ROI) Card Service segment, solid inorganic background, and strong balance sheet should continue to drive Alliance Data (ADS).
Alliance Data Systems: Irrational Sell-Off Creates Buying Opportunity
Alliance Data is a card services company, and has relationships with many leading retail brands. Its business continues to improve, and it has growth catalysts from its digital payments platform.
Alliance Data Releases 2020 ESG Performance Report; Provides Update on Three-Year Sustainability Goals
COLUMBUS, Ohio, June 17, 2021 /PRNewswire/ -- Alliance Data Systems Corporation (NYSE: ADS) a leading global provider of data-driven marketing, loyalty and payment solutions, today released its 2020 Environmental, Social and Governance (ESG) Performance Report. The report showcases progress the Company made...
Consumer Confidence Stable: Payment Stocks to Watch out for
Consumer spending and adoption of contactless payments are expected to aid payment companies like V, GPN and ADS.
Alliance Data, Cimarex Energy, Myriad Genetics, Nestle and More Tuesday Afternoon Analyst Research Calls
The markets were lower across the board on Tuesday afternoon. All eyes on Wall Street are focused on the two-day Federal Reserve meeting, which began Tuesday, as many are waiting to hear how the narrative on inflation is portrayed.
Alliance Data Provides Card Services Performance Update For May 2021
COLUMBUS, Ohio, June 15, 2021 /PRNewswire/ -- Alliance Data Systems Corporation (NYSE: ADS), a leading provider of data-driven marketing, loyalty and payment solutions, provided an update on its Card Services segment. The following tables present the Company's net charge-offs and delinquency...
Alliance Data to Participate at the Morgan Stanley Financials, Payments and CRE Conference
COLUMBUS, Ohio, June 2, 2021 /PRNewswire/ -- Alliance Data Systems Corporation (NYSE: ADS), a leading provider of data-driven marketing, loyalty and payment solutions, today announced the Company's participation in the Morgan Stanley Financials, Payments and CRE Conference on Tuesday, June 15, 2021. Alliance...
Alliance Data Stockholders Elect Karin Kimbrough to Board of Directors
COLUMBUS, Ohio, June 1, 2021 /PRNewswire/ -- Alliance Data Systems Corporation (NYSE: ADS) a leading global provider of data-driven marketing, loyalty and payment solutions, has announced the election of Karin J. Kimbrough to its board of directors.
Here's Why You Should Retain Alliance Date (ADS) Stock
Alliance Data's (ADS) improved credit sales performance and strategic acquisitions, poise it well for growth.
Source: https://incomestatements.info
Category: Stock Reports