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Bread Financial Holdings Inc (NYSE:ADS)

56.8 USD +0.65 USD ( +1.16% )
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Bread Financial Holdings Inc Logo
Bread Financial Holdings Inc
NYSE:ADS
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Intrinsic Value

The intrinsic value of one ADS stock under the Base Case scenario is 163.66 USD. Compared to the current market price of 56.8 USD, Bread Financial Holdings Inc is Undervalued by 65%.

The Intrinsic Value is calculated as the average of the two valuation methods:

Undervaluation 65%
Intrinsic Value
Price
Worst Case
Base Case
Best Case

Fundamental Analysis

ADS Profitability Score
Profitability Due Diligence

Bread Financial Holdings Inc's profitability score is 71/100. The higher the profitability score, the more profitable the company is.

Positive 3-Year Average ROIC
Positive ROIC
Positive Net Income
ROIC is Increasing
71/100
Profitability
Score

Bread Financial Holdings Inc's profitability score is 71/100. The higher the profitability score, the more profitable the company is.

ADS Solvency Score
Solvency Due Diligence

Bread Financial Holdings Inc's solvency score is 27/100. The higher the solvency score, the more solvent the company is.

Low Altman Z-Score
High D/E
Positive Net Debt
Average Interest Coverage
27/100
Solvency
Score

Bread Financial Holdings Inc's solvency score is 27/100. The higher the solvency score, the more solvent the company is.

Wall Street
Price Targets

ADS Price Targets
Price Targets made by Wall Street

Wall Street analysts forecast ADS stock price to rise over the next 12 months.

12-month price targets for ADS stock made by Wall Street professionals. The average price target is 86.5 USD .

Lowest
Price Target
Not Available
Average
Price Target
86.5 USD
52% Upside
Highest
Price Target
Not Available
View Analyst Estimates
View Analyst Estimates

Insider Trading

ADS Insider Trading
Buy and sell transactions by insiders

There were no insider transactions in the past 3 months.

During the last 3 months Bread Financial Holdings Inc insiders have not bought any shares, and have not sold any shares. The last transaction was made on Nov 24, 2020 by John Jeffrey Chesnut, who sold 75k USD worth of ADS shares.

Sold
0-3
months
0 USD
0
3-6
months
0 USD
0
6-9
months
0 USD
0
9-12
months
0 USD
0
Bought
0-3
months
No Insider Transactions
0
0 USD
3-6
months
No Insider Transactions
0
0 USD
6-9
months
No Insider Transactions
0
0 USD
9-12
months
No Insider Transactions
0
0 USD
Cumulative amount
Period Sold Bought Net
3 Months
N/A
N/A
N/A
6 Months
N/A
N/A
N/A
9 Months
N/A
N/A
N/A
12 Months
N/A
N/A
N/A
Date Value Insider Name Amount Avg Price
2020-11-24
Sell
75 000 USD
John Jeffrey Chesnut -1 000 75 USD
2020-06-12
Buy
260 450 USD
John C Gerspach +5 000 52.09 USD
2020-04-27
Buy
71 400 USD
Timothy J. Theriault +1 500 47.6 USD
2020-03-23
Buy
52 026 USD
Sharen J. Turney +1 725 30.16 USD
2020-03-20
Buy
182 657 USD
Kenneth R Jensen +6 630 27.55 USD
2020-03-19
Buy
67 800 USD
Laura Santillan +3 000 22.6 USD
2019-10-29
Sell
15 772 915 USD
Valueact Capital Master Fund, -960 007 16.43 USD
2019-10-28
Sell
203 000 000 USD
Holdings L.P. Valueact -2 000 000 101.5 USD
2019-07-30
Sell
406 380 USD
Timothy P. King -2 600 156.3 USD
2018-11-29
Sell
39 720 000 USD
Valueact Capital Master Fund, -200 000 198.6 USD
2018-11-28
Sell
24 887 500 USD
Holdings L.P. Valueact -125 000 199.1 USD
2018-11-06
Sell
135 000 000 USD
Valueact Capital Master Fund, -675 000 2 USD
2018-08-14
Sell
793 238 USD
Bryan A. Pearson -3 424 231.67 USD
2018-07-24
Sell
3 729 420 USD
Charles L Horn -16 035 232.58 USD
2018-05-15
Buy
542 430 USD
Valueact Capital Master Fund, +2 646 205 USD
2018-05-09
Buy
40 884 680 USD
Valueact Capital Master Fund, +202 600 201.8 USD
2018-05-08
Buy
25 158 750 USD
Holdings L.P. Valueact +125 000 201.27 USD
2018-02-26
Sell
3 001 372 USD
Melisa A Miller -12 246 245.09 USD
2018-02-16
Sell
5 141 430 USD
Edward J Heffernan -21 000 244.83 USD
2017-11-30
Sell
500 080 USD
Charles L Horn -2 128 235 USD
Why is insider trading important?

Competitors

Competitors Valuation
Bread Financial Holdings Inc Competitors

Shareholder Return

ADS Price
Bread Financial Holdings Inc

1M 1M
-
6M 6M
-16%
1Y 1Y
-31%
3Y 3Y
-47%
5Y 5Y
-71%
Annual Price Range
56.8
52w Low
53.59
52w High
84.79
Price Metrics
Average Annual Return -25.71%
Standard Deviation of Annual Returns 16.45%
Max Drawdown -92%

Company Profile

Bread Financial Holdings Inc

Country

United States of America

Industry

Technology

Market Cap

2.8B USD

Dividend Yield

1.5%

Description

Alliance Data Systems Corp. engages in the provision of data-driven and transaction-based marketing, customer loyalty and payment solutions. The company is headquartered in Columbus, Ohio and currently employs 6,000 full-time employees. The company went IPO on 2001-06-08. The company provides simple, personalized payment, lending and saving solutions, including proprietary direct-to-consumer credit cards and deposits. The company also offers a digitally enabled, white-label product suite that includes private label and co-brand credit cards, installment loans and buy now, pay later (BNPL). The company also offers direct-to-consumer solutions that give customers more access, choice, and freedom through its branded payment, lending, and saving products. The company provides a Comenity Mastercard credit card that helps customers to get cashback rewards, paid as a statement credit, with every Comenity Mastercard credit card purchase. Its Bread SplitPay is a buy now, pay later (BNPL) option allowing the customers to split up their purchase into four equal, interest-free payments over six weeks using their credit or debit card. offers its services to merchants and shoppers.

Contact

OHIO
Columbus
3095 Loyalty Circle
+16147294000.0
https://www.alliancedata.com/

IPO

2001-06-08

Employees

6 000

Officers

CEO, Pres & Director
Mr. Ralph J. Andretta
Exec. VP of Operations & Credit Risk
Ms. Tammy Michelle McConnaughey
Exec. VP, Chief Admin. Officer, Gen. Counsel & Sec.
Mr. Joseph L. Motes III
Exec. VP & Chief Commercial Officer
Ms. Valerie E. Greer
Exec. VP & CFO
Mr. Perry Beberman
Sr. VP & Chief Accounting Officer
Mr. Jonathan Bryan Campbell
Show More
Head of Investor Relations
Mr. Brian Vereb
Chief Risk Officer
Mr. Greg Betchkal
Chief Marketing Officer of Card Services Bus. for Alliance Data
Jami S. Dewolf
Sr. VP of Digital Strategy & Experience
Mr. Dashon Williford
Show Less

See Also

Similar Stocks

ADS Stock FAQ

What is the Intrinsic Value of one ADS stock?

The intrinsic value of one ADS stock under the Base Case scenario is 163.66 USD.

Is ADS stock undervalued or overvalued?

Compared to the current market price of 56.8 USD, Bread Financial Holdings Inc is Undervalued by 65%.