Bread Financial Holdings, Inc. (ADS) Stock Analysis
$ADS · Financial Services · Financial - Credit Services
Bread Financial Holdings (ADS), a Financial - Credit Services company, has a market capitalization of about $2.85B and trades at 4.3x trailing earnings.
Price
$56.80
Market cap
$2.85B
P/E ratio
4.3x
Dividend yield
1.48%
About Bread Financial Holdings, Inc.
Bread Financial Holdings Inc., established in Columbus, Ohio in 1996 and formerly known as Alliance Data Systems Corporation until its rebranding in March 2022, delivers sophisticated payment and lending solutions to consumers and businesses across North America. The company's offerings encompass credit card and various loan financing services, alongside comprehensive risk management, account origination, and funding capabilities. These services support approximately 130 private label and co-branded credit card programs, and are extended to roughly 500 small and medium-sized businesses through its Bread partnerships. Additionally, they provide Comenity-branded general-purpose cash-back credit products. Beyond originating loans, Bread Financial actively manages and services these accounts, including those for private label, co-brand, general-purpose credit card programs, and its "Buy Now,
How StockWorthy values ADS
StockWorthy forecasts Bread Financial Holdings, Inc.'s revenue, operating profitability, reinvestment (capital expenditure, depreciation and working capital) and unlevered free cash flow, then discounts those cash flows using a normalized cost of capital built from ADS's size, profitability and balance-sheet risk. Terminal growth is adjusted to reflect the company's mature growth profile rather than a fixed number. The model presents bear, base and bull scenarios, and every key assumption stays transparent and adjustable in the full StockWorthy analysis. Results are educational and not investment advice.
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