Overview
Alliance Data® is a leading provider of data-driven marketing, loyalty and payment solutions serving large, consumer-based industries. The Company creates and deploys customized solutions that measurably change consumer behavior while driving business growth and profitability for some of today's most recognizable brands. Alliance Data helps its partners create and increase customer loyalty across multiple touch points using traditional, digital, mobile and emerging technologies. A FORTUNE 500 and S&P MidCap 400 company headquartered in Columbus, Ohio, Alliance Data consists of businesses that together employ nearly 8,000 associates at 45 locations worldwide.
AI+ Ask Fintel’s AI assistant about Bread Financial Holdings, Inc..
Thinking about good questions…
Basic Stats
The Factor Analysis chart (below right) shows a view of Bread Financial Holdings, Inc. from a variety of lenses. Each factor shows how well the company ranks against all other companies in the Fintel global investing universe. Factor scores range from zero to 100, with 100 being most desirable, and 50 being average.
For example, a company with a Value Score of 100 would be the most undervalued company in our database. A company with a Value Score of zero would be the most overvalued.
| Market Cap | |
| EV | |
| Shares Out. | 49.70 MM |
| Earnings Date | |
| EPS (TTM) | 4.31 |
| Dividend Yield | |
| Ex-Dividend Date | 2025-08-08 |
| Borrow Rate | |
| Short Shares Avail. | 0.00 MM |
| Short Interest | |
| Short Float | |
| Days to Cover | |
| Risk Free Rate | 4.17 % |
| Price Change (1 yr) | |
| Volatility (1 yr) | |
| Beta | |
| Sharpe Ratio (1 yr) | |
| Sortino Ratio (1 yr) |
| PE Ratio | |
| Price/Book | |
| Price/TBV | |
| Book/Market | |
| EBIT/EV | |
| EBIT(3yr avg)/EV | |
| ROA | |
| ROE | 0.13 |
| ROIC | |
| CROIC | |
| OCROIC | |
| Implied Volatility | |
| Put/Call OI Ratio |
| Growth | |
| Profitability | |
| Quality Score | |
| Value Score | |
| Momentum Score | |
| Stability (Low Vol) Score | |
| Analyst Sentiment | |
| Fund Sentiment | |
| Insider Sentiment | |
| Officer Sentiment | |
| Dividend Score | |
| QVM Score | |
| Piotroski F-SCORE | 6.00 /9 |
Factor Scores range from 0 to 100, with 100 being most desirable. Larger circles are better. In situations where we have no data (e.g. no insider trades), we plot the score at 50 to avoid penalizing companies. However, a company that does not pay dividends will get a Dividend Score of Zero. Additionally, we inverted volatility to create a "stability" metric which is better when higher.
Price Target
The average one-year price target for Bread Financial Holdings, Inc. is MX$63.44. The forecasts range from a low of MX$43.43 to a high of MX$121.80. A stock’s price target is the price at which analysts consider it fairly valued with respect to its projected earnings and historical earnings. Analysts typically set price targets that correspond to their buy or sell recommendations.
Update Frequency: Monthly
| Record Date | Projection Date | High | Low | Median | Average |
|---|---|---|---|---|---|
| 2023-04-03 | 2024-04-03 | 121.80 | 43.43 | 55.59 | 63.44 |
Stock Upgrades/Downgrades
This card shows analyst upgrades/downgrades for Bread Financial Holdings, Inc.. An analyst rating is a classification that gives investors a sense of analyst sentiment about the direction and performance of an equity - usually a stock - over a period of time, typically 12 months.
The standard analyst ratings are generally as follows:
- Buy/Overweight/Outperform - Any of these ratings conveys an analyst’s belief that the stock is likely to outperform a market index (e.g. the S&P 500).
- Hold/Equal-Weight/Market Perform - Any of these ratings conveys an analyst’s belief that the stock is likely to perform in line with a market index.
- Sell/Underweight/Underperform - Any of these ratings suggest that an analyst believes the stock is likely to underperform a market index.
When an analyst upgrades a stock, they are signaling that the company’s fundamentals are being undervalued by investors. It could also mean they believe the market is underestimating the company’s potential. The opposite is true when a stock receives a downgrade.
The average rating of each individual analyst’s rating is the consensus rating for a stock. This gives investors a broader sense of the overall sentiment for that stock.
| Date | Analyst | Prior | Latest Recommendation |
Action |
|---|---|---|---|---|
| 2024-08-20 | JP Morgan | Neutral | Neutral | Maintains |
| 2024-08-19 | B of A Securities | Buy | Buy | Maintains |
| 2024-07-16 | Compass Point | Buy | Initiate | |
| 2024-07-09 | Jefferies | Hold | Hold | Maintains |
| 2024-07-09 | Barclays | Underweight | Underweight | Maintains |
| 2024-06-25 | Evercore ISI Group | In-Line | In-Line | Maintains |
| 2024-06-20 | JMP Securities | Market Perform | Reiterate | |
| 2024-06-20 | RBC Capital | Sector Perform | Sector Perform | Maintains |
| 2024-06-20 | Evercore ISI Group | Underperform | In-Line | Upgrade |
| 2024-06-17 | Keefe, Bruyette & Woods | Outperform | Outperform | Maintains |
| 2024-06-07 | BTIG | Neutral | Initiate | |
| 2024-05-02 | Keefe, Bruyette & Woods | Market Perform | Outperform | Upgrade |
| 2024-05-01 | Argus Research | Buy | Hold | Downgrade |
| 2024-04-26 | BMO Capital | Market Perform | Market Perform | Maintains |
| 2024-04-09 | Barclays | Underweight | Underweight | Maintains |
| 2024-04-04 | Wolfe Research | Peer Perform | Outperform | Upgrade |
| 2024-01-29 | BMO Capital | Market Perform | Market Perform | Maintains |
| 2024-01-26 | RBC Capital | Sector Perform | Sector Perform | Reiterate |
| 2024-01-26 | JP Morgan | Neutral | Neutral | Maintains |
| 2024-01-26 | Oppenheimer | Perform | Outperform | Upgrade |
| 2024-01-26 | Barclays | Underweight | Underweight | Maintains |
| 2024-01-10 | BMO Capital | Market Perform | Initiate | |
| 2023-12-18 | Goldman Sachs | Sell | Sell | Maintains |
| 2023-12-18 | JP Morgan | Overweight | Neutral | Downgrade |
| 2023-12-13 | Morgan Stanley | Equal-Weight | Underweight | Downgrade |
| 2023-11-16 | Morgan Stanley | Equal-Weight | Equal-Weight | Maintains |
| 2023-11-15 | Barclays | Underweight | Initiate | |
| 2023-11-01 | TD Cowen | Market Perform | Initiate | |
| 2023-10-27 | Morgan Stanley | Equal-Weight | Equal-Weight | Maintains |
| 2023-10-05 | B of A Securities | Buy | Neutral | Downgrade |
| 2023-10-03 | Morgan Stanley | Equal-Weight | Equal-Weight | Maintains |
| 2023-10-03 | Goldman Sachs | Sell | Sell | Maintains |
| 2023-10-02 | Goldman Sachs | Neutral | Sell | Downgrade |
| 2023-09-05 | RBC Capital | Outperform | Sector Perform | Downgrade |
| 2023-09-05 | Raymond James | Outperform | Sector Perform | Downgrade |
| 2023-08-22 | JP Morgan | Overweight | Overweight | Maintains |
| 2023-07-28 | RBC Capital | Outperform | Outperform | Maintains |
| 2023-07-13 | Morgan Stanley | Equal-Weight | Equal-Weight | Maintains |
| 2023-06-23 | Morgan Stanley | Equal-Weight | Equal-Weight | Reiterate |
| 2023-05-01 | Goldman Sachs | Neutral | Maintains | |
| 2023-04-28 | Goldman Sachs | Neutral | Maintains | |
| 2023-04-11 | Keefe, Bruyette & Woods | Market Perform | Maintains | |
| 2023-04-05 | Morgan Stanley | Equal-Weight | Maintains | |
| 2023-04-05 | Goldman Sachs | Neutral | Maintains | |
| 2023-03-17 | Keefe, Bruyette & Woods | Outperform | Market Perform | Downgrade |
| 2023-03-10 | Stephens & Co. | Overweight | Reiterate | |
| 2023-01-05 | Stephens & Co. | Equal-Weight | Overweight | Upgrade |
| 2022-10-28 | RBC Capital | Outperform | Maintains | |
| 2022-10-28 | Goldman Sachs | Neutral | Maintains | |
| 2022-10-28 | Credit Suisse | Neutral | Maintains | |
| 2022-10-25 | JP Morgan | Overweight | Maintains | |
| 2022-10-06 | Credit Suisse | Neutral | Initiate | |
| 2022-10-05 | Morgan Stanley | Equal-Weight | Maintains | |
| 2022-07-12 | Morgan Stanley | Equal-Weight | Maintains | |
| 2024-10-08 | Barclays | Underweight | Underweight | Maintains |
| 2024-10-07 | Evercore ISI Group | In-Line | In-Line | Maintains |
| 2024-09-25 | B of A Securities | Buy | Buy | Maintains |
| 2025-03-18 | Goldman Sachs | Sell | Sell | Maintains |
| 2025-02-03 | JMP Securities | Market Perform | Market Perform | Reiterate |
| 2024-11-19 | Goldman Sachs | Sell | Sell | Maintains |
| 2025-04-24 | Jefferies | Hold | Hold | Maintains |
| 2024-10-30 | Evercore ISI Group | In-Line | In-Line | Maintains |
| 2024-10-28 | Seaport Global | Buy | Buy | Maintains |
| 2024-10-28 | TD Cowen | Hold | Hold | Maintains |
| 2024-10-25 | Barclays | Underweight | Underweight | Maintains |
| 2025-07-08 | Barclays | Underweight | Underweight | Maintains |
| 2024-07-29 | Goldman Sachs | Sell | Sell | Maintains |
| 2024-07-26 | Compass Point | Buy | Buy | Maintains |
| 2024-07-26 | TD Cowen | Hold | Hold | Maintains |
| 2024-07-26 | RBC Capital | Sector Perform | Sector Perform | Maintains |
| 2024-07-26 | Barclays | Underweight | Underweight | Maintains |
| 2024-07-23 | JP Morgan | Neutral | Neutral | Maintains |
| 2024-12-09 | Keefe, Bruyette & Woods | Outperform | Outperform | Maintains |
| 2025-07-25 | RBC Capital | Sector Perform | Sector Perform | Maintains |
| 2025-01-21 | Compass Point | Buy | Buy | Maintains |
| 2025-01-31 | RBC Capital | Sector Perform | Sector Perform | Maintains |
| 2025-01-31 | Barclays | Underweight | Underweight | Maintains |
| 2025-05-12 | Morgan Stanley | Underweight | Underweight | Maintains |
| 2025-04-28 | JMP Securities | Market Perform | Market Perform | Reiterate |
