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.
Quality, Value, Momentum Scores
This card shows the Quality, Value, and Momentum scores for the company
Income Statement: Revenue, Operating Income, Net Income
- The revenue for Bread Financial Holdings, Inc. as of June 30, 2025 is 2,452.00 MM.
- The operating income for Bread Financial Holdings, Inc. as of June 30, 2025 is 490.00 MM.
- The net income for Bread Financial Holdings, Inc. as of June 30, 2025 is 285.00 MM.
| Period End (TTM) | Revenue (MM) | Operating Income (MM) | Net Income (MM) |
| 2025-06-30 | 2,452.00 | 490.00 | 285.00 |
| 2025-03-31 | 2,445.00 | 497.00 | 281.00 |
| 2024-12-31 | 2,441.00 | 488.00 | 277.00 |
| 2024-09-30 | 2,467.00 | 426.00 | 313.00 |
| 2024-06-30 | 2,579.00 | 613.00 | 483.00 |
| 2024-03-31 | 2,548.00 | 518.00 | 397.00 |
| 2023-12-31 | 3,060.00 | 968.00 | 718.00 |
| 2023-09-30 | 2,867.00 | 742.00 | 541.00 |
| 2023-06-30 | 2,815.00 | 705.00 | 503.00 |
| 2023-03-31 | 2,686.00 | 636.00 | 468.00 |
| 2022-12-31 | 2,232.00 | 300.00 | 223.00 |
| 2022-09-30 | 2,383.00 | 572.00 | 375.00 |
| 2022-06-30 | 2,397.00 | 642.00 | 464.00 |
| 2022-03-31 | 2,687.00 | 979.00 | 725.00 |
| 2021-12-31 | 2,728.00 | 1,044.00 | 801.00 |
| 2021-09-30 | 2,351.50 | 1,023.40 | 795.30 |
| 2021-06-30 | 2,390.20 | 962.00 | 705.60 |
| 2021-03-31 | 2,205.70 | 710.20 | 470.00 |
| 2020-12-31 | 2,032.00 | 365.00 | 214.00 |
| 2020-09-30 | 2,861.30 | 621.80 | 299.20 |
| 2020-06-30 |
Income Statement: EPS
| Period End (TTM) | Earnings Per Share Basic | Earnings Per Share Diluted |
| 2025-06-30 | ||
| 2025-03-31 | 5.68 | 5.57 |
| 2024-12-31 | 5.58 | 5.49 |
| 2024-09-30 | 6.32 | 6.25 |
| 2024-06-30 | 9.75 | 9.68 |
| 2024-03-31 | 7.99 | 7.97 |
| 2023-12-31 | 14.39 | 14.34 |
| 2023-09-30 | 10.83 | 10.77 |
| 2023-06-30 | 10.05 | 10.04 |
| 2023-03-31 | 9.37 | 9.35 |
| 2022-12-31 | 4.47 | 4.46 |
| 2022-09-30 | 7.52 | 7.51 |
| 2022-06-30 | 9.33 | 9.28 |
| 2022-03-31 | 14.57 | 14.49 |
| 2021-12-31 | 16.09 | 16.02 |
| 2021-09-30 | 16.13 | 16.03 |
| 2021-06-30 | 14.46 | 14.40 |
| 2021-03-31 | 9.73 | 9.71 |
| 2020-12-31 | 4.47 | 4.46 |
| 2020-09-30 | 6.28 | 6.37 |
| 2020-06-30 | 1.18 | 1.38 |
Cash Flow: Operations, Investing, Financing
- The cash from operating activities for Bread Financial Holdings, Inc. as of June 30, 2025 is 1,854.00 MM.
- The cash from investing activities for Bread Financial Holdings, Inc. as of June 30, 2025 is -1,450.00 MM.
- The cash from financing activities for Bread Financial Holdings, Inc. as of June 30, 2025 is -658.00 MM.
| Period End (TTM) | Cash From Operating Activities (MM) | Cash From Investing Activities (MM) | Cash From Financing Activities (MM) |
| 2025-06-30 | 1,854.00 | -1,450.00 | -658.00 |
| 2025-03-31 | 1,805.00 | -1,198.00 | -179.00 |
| 2024-12-31 | 1,859.00 | -1,169.00 | -592.00 |
| 2024-09-30 | 1,997.00 | -1,609.00 | -312.00 |
| 2024-06-30 | 2,170.00 | -1,321.00 | -128.00 |
| 2024-03-31 | 2,036.00 | -1,633.00 | -227.00 |
| 2023-12-31 | 1,987.00 | 788.00 | -3,086.00 |
| 2023-09-30 | 1,867.00 | -1,044.00 | -1,036.00 |
| 2023-06-30 | 1,846.00 | -1,354.00 | -838.00 |
| 2023-03-31 | 1,749.00 | -2,280.00 | 529.00 |
| 2022-12-31 | 1,848.00 | -5,111.00 | 3,267.00 |
| 2022-09-30 | 1,686.00 | -3,560.00 | 1,587.00 |
| 2022-06-30 | 1,553.00 | -3,123.00 | 1,901.00 |
| 2022-03-31 | 1,523.00 | -2,390.00 | 1,253.00 |
| 2021-12-31 | 1,543.00 | -1,691.00 | 608.00 |
| 2021-09-30 | 1,602.40 | -1,209.80 | -259.70 |
| 2021-06-30 | 1,548.50 | -1,031.00 | -2,620.40 |
| 2021-03-31 | 1,827.50 | 1,036.70 | -4,404.60 |
| 2020-12-31 | 1,883.00 | 1,774.00 | -4,167.00 |
| 2020-09-30 | 1,176.10 | 2,575.10 | -5,059.90 |
| 2020-06-30 |
Valuation Metrics : PE, PriceToBook, PriceToTBV
- P/Book
- The current closing price divided by the book value per share.
- P/TBV
- The current price divided by the tangible book value per share.
| Period End (TTM) | p/e | P/Book | P/TBV |
| 2025-06-30 | |||
| 2025-03-31 | |||
| 2024-12-31 | |||
| 2024-09-30 | |||
| 2024-06-30 | |||
| 2024-03-31 | |||
| 2023-12-31 | |||
| 2023-09-30 | |||
| 2023-06-30 | |||
| 2023-03-31 | |||
| 2022-12-31 | |||
| 2022-09-30 | |||
| 2022-06-30 | |||
| 2022-03-31 | |||
| 2021-12-31 | |||
| 2021-09-30 | |||
| 2021-06-30 | |||
| 2021-03-31 | |||
| 2020-12-31 | |||
| 2020-09-30 | |||
| 2020-06-30 |
Valuation Metrics : EBitToEv, EBit3YrAvgToEv
| Period End (TTM) | EBIT/EV | EBIT (3y)/EV |
| 2025-06-30 | ||
| 2025-03-31 | ||
| 2024-12-31 | ||
| 2024-09-30 | ||
| 2024-06-30 | ||
| 2024-03-31 | ||
| 2023-12-31 | ||
| 2023-09-30 | ||
| 2023-06-30 | ||
| 2023-03-31 | ||
| 2022-12-31 | ||
| 2022-09-30 | ||
| 2022-06-30 | ||
| 2022-03-31 | ||
| 2021-12-31 | ||
| 2021-09-30 | ||
| 2021-06-30 | ||
| 2021-03-31 | ||
| 2020-12-31 | ||
| 2020-09-30 | ||
| 2020-06-30 |
Management Effectiveness
- The roe for Bread Financial Holdings, Inc. as of June 30, 2025 is 0.13.
| Period End (TTM) | ROA | ROE | ROIC | CROIC | OCROIC |
| 2025-06-30 | 0.13 | ||||
| 2025-03-31 | 0.13 | ||||
| 2024-12-31 | 0.13 | ||||
| 2024-09-30 | 0.13 | ||||
| 2024-06-30 | 0.13 | ||||
| 2024-03-31 | 0.13 | ||||
| 2023-12-31 | 0.13 | ||||
| 2023-09-30 | 0.13 | ||||
| 2023-06-30 | 0.13 | ||||
| 2023-03-31 | 0.13 | ||||
| 2022-12-31 | 0.13 | ||||
| 2022-09-30 | 0.13 | ||||
| 2022-06-30 | 0.13 | ||||
| 2022-03-31 | 0.13 | ||||
| 2021-12-31 | 0.13 | ||||
| 2021-09-30 | 0.13 | ||||
| 2021-06-30 | 0.13 | ||||
| 2021-03-31 | 0.13 | ||||
| 2020-12-31 | 0.01 | 0.13 | 0.02 | -0.04 | 0.15 |
| 2020-09-30 | 0.01 | 0.20 | 0.03 | -0.15 | 0.13 |
| 2020-06-30 | 0.00 | 0.02 | 0.00 | 0.10 | 0.10 |
Gross Margins
- The gross margin for Bread Financial Holdings, Inc. as of June 30, 2025 is 1.00.
- The net margin for Bread Financial Holdings, Inc. as of June 30, 2025 is 0.11.
- The operating margin for Bread Financial Holdings, Inc. as of June 30, 2025 is 0.15.
- Gross Margin
- The Gross Margin is the ratio of revenue left after substracting the Cost of Goods Sold. It is calculated as 1.0 - (Revenue - COGS ) / Revenue.
- Net Margin
- The Net Margin (aka Profit Margin) is the ratio of revenue left after substracting the Net Income. It is calculated as Net Income / Revenue.
- Operating Margin
- The Operaing Margin is the ratio of revenue left after substracting the Operating Income. It is calculated as Operating Income / Revenue.
| Period End (TTM) | Gross Margin | Net Margin | Operating Margin |
| 2025-06-30 | 1.00 | 0.11 | 0.15 |
| 2025-03-31 | 1.00 | 0.11 | 0.15 |
| 2024-12-31 | 1.00 | 0.11 | 0.15 |
| 2024-09-30 | 1.00 | 0.11 | 0.15 |
| 2024-06-30 | 1.00 | 0.11 | 0.15 |
| 2024-03-31 | 1.00 | 0.11 | 0.15 |
| 2023-12-31 | 1.00 | 0.11 | 0.15 |
| 2023-09-30 | 1.00 | 0.11 | 0.15 |
| 2023-06-30 | 1.00 | 0.11 | 0.15 |
| 2023-03-31 | 1.00 | 0.11 | 0.15 |
| 2022-12-31 | 1.00 | 0.11 | 0.15 |
| 2022-09-30 | 1.00 | 0.11 | 0.15 |
| 2022-06-30 | 1.00 | 0.11 | 0.15 |
| 2022-03-31 | 1.00 | 0.11 | 0.15 |
| 2021-12-31 | 1.00 | 0.11 | 0.15 |
| 2021-09-30 | 1.00 | 0.11 | 0.15 |
| 2021-06-30 | 1.00 | 0.11 | 0.15 |
| 2021-03-31 | 1.00 | 0.11 | 0.15 |
| 2020-12-31 | 1.00 | 0.11 | 0.15 |
| 2020-09-30 | 1.00 | 0.10 | 0.21 |
| 2020-06-30 | 1.00 | 0.02 | 0.21 |
Identifiers and Descriptors
| Central Index Key (CIK) | 1101215 |
Industry Groups
| SIC 6141 - Personal Credit Institutions |
