Dashon Williford - Bread Financial Senior Experience

BFH Stock  USD 40.81  0.42  1.04%   

Executive

Dashon Williford is Senior Experience of Bread Financial Holdings
Address 3095 Loyalty Circle, Columbus, OH, United States, 43219
Phone614 729 4000
Webhttps://www.breadfinancial.com

Bread Financial Management Efficiency

The company has Return on Asset of 0.0188 % which means that on every $100 spent on assets, it made $0.0188 of profit. This is way below average. In the same way, it shows a return on shareholders' equity (ROE) of 0.1451 %, implying that it generated $0.1451 on every 100 dollars invested. Bread Financial's management efficiency ratios could be used to measure how well Bread Financial manages its routine affairs as well as how well it operates its assets and liabilities. The current Return On Tangible Assets is estimated to decrease to 0.03. The current Return On Capital Employed is estimated to decrease to 0.03. As of now, Bread Financial's Debt To Assets are decreasing as compared to previous years.
The company has 5.44 B in debt with debt to equity (D/E) ratio of 3.27, meaning that the company heavily relies on borrowing funds for operations. Bread Financial Holdings has a current ratio of 1.73, which is typical for the industry and considered as normal. Debt can assist Bread Financial until it has trouble settling it off, either with new capital or with free cash flow. So, Bread Financial's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like Bread Financial Holdings sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for Bread to invest in growth at high rates of return. When we think about Bread Financial's use of debt, we should always consider it together with cash and equity.

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Bread Financial Holdings, Inc. provides tech-forward payment and lending solutions to customers and consumer-based industries in North America. Bread Financial Holdings, Inc. was founded in 1996 and is headquartered in Columbus, Ohio. Bread Financial operates under Credit Services classification in the United States and is traded on New York Stock Exchange. It employs 6000 people. Bread Financial Holdings (BFH) is traded on New York Stock Exchange in USA. It is located in 3095 Loyalty Circle, Columbus, OH, United States, 43219 and employs 7,000 people. Bread Financial is listed under Consumer Finance category by Fama And French industry classification.

Management Performance

Bread Financial Holdings Leadership Team

Elected by the shareholders, the Bread Financial's board of directors comprises two types of representatives: Bread Financial inside directors who are chosen from within the company, and outside directors, selected externally and held independent of Bread. The board's role is to monitor Bread Financial's management team and ensure that shareholders' interests are well served. Bread Financial's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, Bread Financial's outside directors are responsible for providing unbiased perspectives on the board's policies.
John Chesnut, Senior Vice President Treasurer
Brian Vereb, Head Relations
Allegra Driscoll, Executive CTO
Rajesh Natarajan, Independent Director
Timothy Theriault, Independent Director
Ralph Andretta, President, Chief Executive Officer, Director
Sharen Turney, Independent Director
Tammy McConnaughey, Executive Vice President Operations and Credit Risk, Card Services
John Gerspach, Independent Director
Perry Beberman, Chief Financial Officer, Vice President
Wes Hunt, Senior Excellence
Joseph III, Chief VP
Greg Betchkal, Chief Officer
Charles Horn, Executive Vice President Senior Advisor
J Campbell, Senior Vice President Chief Accounting Officer
Robert Esque, Senior Officer
Joseph Motes, Executive Vice President Chief Administrative Officer, General Counsel, Secretary
Jonathan Campbell, Senior Officer
Matt Brown, Senior CTO
Brandy Sullivan, Chief VP
Dashon Williford, Senior Experience
Roger Ballou, Non-Executive Independent Chairman of the Board
Valerie Greer, Executive Vice President Chief Commercial Officer, Card Services
Laurie Tucker, Independent Director

Bread Stock Performance Indicators

The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is Bread Financial a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.

Bread Financial Investors Sentiment

The influence of Bread Financial's investor sentiment on the probability of its price appreciation or decline could be a good factor in your decision-making process regarding taking a position in Bread. The overall investor sentiment generally increases the direction of a stock movement in a one-year investment horizon. However, the impact of investor sentiment on the entire stock market does not have solid backing from leading economists and market statisticians.
Investor biases related to Bread Financial's public news can be used to forecast risks associated with an investment in Bread. The trend in average sentiment can be used to explain how an investor holding Bread can time the market purely based on public headlines and social activities around Bread Financial Holdings. Please note that most equities that are difficult to arbitrage are affected by market sentiment the most.
Bread Financial's market sentiment shows the aggregated news analyzed to detect positive and negative mentions from the text and comments. The data is normalized to provide daily scores for Bread Financial's and other traded tickers. The bigger the bubble, the more accurate is the estimated score. Higher bars for a given day show more participation in the average Bread Financial's news discussions. The higher the estimated score, the more favorable is the investor's outlook on Bread Financial.
Some investors attempt to determine whether the market's mood is bullish or bearish by monitoring changes in market sentiment. Unlike more traditional methods such as technical analysis, investor sentiment usually refers to the aggregate attitude towards Bread Financial in the overall investment community. So, suppose investors can accurately measure the market's sentiment. In that case, they can use it for their benefit. For example, some tools to gauge market sentiment could be utilized using contrarian indexes, Bread Financial's short interest history, or implied volatility extrapolated from Bread Financial options trading.

Pair Trading with Bread Financial

One of the main advantages of trading using pair correlations is that every trade hedges away some risk. Because there are two separate transactions required, even if Bread Financial position performs unexpectedly, the other equity can make up some of the losses. Pair trading also minimizes risk from directional movements in the market. For example, if an entire industry or sector drops because of unexpected headlines, the short position in Bread Financial will appreciate offsetting losses from the drop in the long position's value.
The ability to find closely correlated positions to Bread Financial could be a great tool in your tax-loss harvesting strategies, allowing investors a quick way to find a similar-enough asset to replace Bread Financial when you sell it. If you don't do this, your portfolio allocation will be skewed against your target asset allocation. So, investors can't just sell and buy back Bread Financial - that would be a violation of the tax code under the "wash sale" rule, and this is why you need to find a similar enough asset and use the proceeds from selling Bread Financial Holdings to buy it.
The correlation of Bread Financial is a statistical measure of how it moves in relation to other instruments. This measure is expressed in what is known as the correlation coefficient, which ranges between -1 and +1. A perfect positive correlation (i.e., a correlation coefficient of +1) implies that as Bread Financial moves, either up or down, the other security will move in the same direction. Alternatively, perfect negative correlation means that if Bread Financial Holdings moves in either direction, the perfectly negatively correlated security will move in the opposite direction. If the correlation is 0, the equities are not correlated; they are entirely random. A correlation greater than 0.8 is generally described as strong, whereas a correlation less than 0.5 is generally considered weak.
Correlation analysis and pair trading evaluation for Bread Financial can also be used as hedging techniques within a particular sector or industry or even over random equities to generate a better risk-adjusted return on your portfolios.
Pair CorrelationCorrelation Matching
When determining whether Bread Financial Holdings offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Bread Financial's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Bread Financial Holdings Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Bread Financial Holdings Stock:
Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Bread Financial Holdings. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in census.
Note that the Bread Financial Holdings information on this page should be used as a complementary analysis to other Bread Financial's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try the Equity Search module to search for actively traded equities including funds and ETFs from over 30 global markets.

Complementary Tools for Bread Stock analysis

When running Bread Financial's price analysis, check to measure Bread Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Bread Financial is operating at the current time. Most of Bread Financial's value examination focuses on studying past and present price action to predict the probability of Bread Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Bread Financial's price. Additionally, you may evaluate how the addition of Bread Financial to your portfolios can decrease your overall portfolio volatility.
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Is Bread Financial's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Bread Financial. If investors know Bread will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Bread Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
(0.70)
Dividend Share
0.84
Earnings Share
8.39
Revenue Per Share
51.293
Quarterly Revenue Growth
(0.43)
The market value of Bread Financial Holdings is measured differently than its book value, which is the value of Bread that is recorded on the company's balance sheet. Investors also form their own opinion of Bread Financial's value that differs from its market value or its book value, called intrinsic value, which is Bread Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Bread Financial's market value can be influenced by many factors that don't directly affect Bread Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Bread Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Bread Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Bread Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.