Professional
Added to YB: 2025-03-13
Pitch date: 2025-02-08
BFH [neutral]
Bread Financial Holdings, Inc.
+20.82%
current return
Author Info
No bio for this author
Company Info
Bread Financial Holdings, Inc. provides tech-forward payment and lending solutions to customers and consumer-based industries in North America.
Market Cap
$2.8B
Pitch Price
$61.74
Price Target
N/A
Dividend
1.49%
EV/EBITDA
N/A
P/E
6.34
EV/Sales
N/A
Sector
Consumer Finance
Category
value
Turtle Creek Portfolio Holding: Bread Financial Holdings, Inc.
BFH (holding update): Private label & co-branded credit card issuer. 25%+ ROE vs. Canadian banks' low-mid teens. 60% prime, 40% subprime customers. Strong 2024 performance after 2022-23 decline. Potential catalysts: multiple expansion, share buybacks, possible CFPB late fee cap drop. Still significant upside potential.
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