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Bread Financial
đŸ‡ºđŸ‡¸ NYSE:BFH
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Dec 31, 2019

Bread Financial Q4 2019 Earnings Report

Alliance Data's financial results for Q4 2019 were announced, revealing a decrease in revenue and earnings per share.

Key Takeaways

Alliance Data Systems Corporation reported a slight decrease in revenue for the fourth quarter of 2019, with a more significant decrease in EPS and core EPS. The results were impacted by restructuring and strategic transaction costs, as well as a decrease in earnings before taxes at Card Services.

Revenue decreased slightly to $1.46 billion.

EPS decreased 41% to $2.74, impacted by restructuring and strategic transaction costs.

Core EPS decreased 29% to $4.12.

Adjusted EBITDA, net decreased 39% to $278 million.

Total Revenue
$1.46B
Previous year: $2.06B
-28.9%
EPS
$4.12
Previous year: $7.04
-41.5%
Credit sales
$9.3B
Credit sales - active
$8.6B
Average receivables
$18.1B
Gross Profit
$591M
Previous year: $688M
-14.1%
Cash and Equivalents
$3.87B
Previous year: $3.82B
+1.5%
Total Assets
$26.5B
Previous year: $30.4B
-12.8%

Bread Financial

Bread Financial

Bread Financial Revenue by Segment

Forward Guidance

The company expects revenue of $5.6 billion and core EPS of $20.50 for 2020.

Positive Outlook

  • Revenue of $5.6 billion, essentially flat with 2019.
  • Core EPS of $20.50, up 22 percent compared with 2019.

Revenue & Expenses

Visualization of income flow from segment revenue to net income

Company Overview

Full financial data and analysis

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