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Bread Financial Holdings Inc
NYSE:ADS

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Bread Financial Holdings Inc Logo
Bread Financial Holdings Inc
NYSE:ADS
Watchlist
Price: 56.8 USD +1.16% Market Closed
Updated: Dec 7, 2022

Intrinsic Value

The intrinsic value of one ADS stock under the Base Case scenario is 195.34 USD. Compared to the current market price of 56.8 USD, Bread Financial Holdings Inc is Undervalued by 71%.

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

ADS Intrinsic Value
Base Case
195.34 USD
Undervaluation 71%
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
Positive Revenue Growth Forecast
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.

Financials
Efficiency
68%
Gross Margin
35%
Operating Margin
23%
Net Margin
21%
FCF Margin
88%
ROE
10%
ROIC
Other

ADS Capital Structure
Bread Financial Holdings Inc

Market Capitalization 2.8B USD
Total Debt 18.5B USD
Minority Interest 0 USD
Preferred Equity 0 USD
Cash and Equivalents 3B USD
Short-Term Investments 0 USD
Enterprise Value 18.3B USD

Wall St
Price Targets

ADS Price Targets Summary
Bread Financial Holdings Inc

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

According to Wall Street analysts, the average 1-year price target for ADS 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

Competitive Landscape

ADS Competitors
Bread Financial Holdings Inc

ADS Suppliers & Customers
Bread Financial Holdings Inc

There is no information about
Bread Financial Holdings Inc
key suppliers

Ownership

ADS Insider Trading
Buy and sell transactions by insiders

Bread Financial Holdings Inc insiders have only bought shares in the past 12 months.

During the last 12 months Bread Financial Holdings Inc insiders bought 1.5M USD , and have not sold any shares. The last transaction was made on Dec 7, 2022 by Greer Valerie E (EVP, Chief Comm'l Officer), who bought 227k 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
6
1.5M USD
6-9
months
No Insider Transactions
0
0 USD
9-12
months
No Insider Transactions
0
0 USD
Cumulative Transactions Amount
Period Sold Bought Net
3 Months
N/A
N/A
N/A
6 Months
N/A
1.5M USD
1.5M
9 Months
N/A
1.5M USD
1.5M
12 Months
N/A
1.5M USD
1.5M
Purchases
23
Sales
350
Why is insider trading important?

Shareholder Return

ADS Price
Bread Financial Holdings Inc

1M 1M
-
6M 6M
-
1Y 1Y
-23%
3Y 3Y
-30%
5Y 5Y
-67%
Annual Price Range
56.8
52w Low
53.59
52w High
74.66
Price Metrics
Average Annual Return -22.67%
Standard Deviation of Annual Returns 22.3%
Max Drawdown -92%
Shares Statistics
Market Capitalization 2.8B USD
Shares Outstanding 50 000 000
Percentage of Shares Shorted 4.3%

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
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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
What is the Intrinsic Value of one ADS stock?

The intrinsic value of one ADS stock under the Base Case scenario is 195.34 USD.

Is ADS stock undervalued or overvalued?

Compared to the current market price of 56.8 USD, Bread Financial Holdings Inc is Undervalued by 71%.