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Bread Financial Holdings, Inc. · NYSE
Price: $56.80 · Annual div: $9.92/share · Frequency: quarterly · Payout ratio: 50% · Ex-div: TBD
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Year your monthly dividend income covers each expense (based on current settings)
$10,000 in ADS → $38.1K in 10 years · $6.17/month
Bread Financial Holdings Inc. provides tech-forward payment and lending solutions to customers and consumer-based industries in North America. It offers credit card and other loans financing services, including risk management solutions, account origination, and funding services for approximately 130 private label and co-brand credit card programs, as well as through Bread partnerships to approximately 500 small-and medium-sized businesses merchants; and Comenity-branded general purpose cash-back credit. The company also manages and services the loans it originates for private label, co-brand, and general-purpose credit card programs and Bread BNPL (installment loans, split-pay) products; and provides marketing, and data and analytics services. In addition, it offers an enhanced digital suite that includes a unified software development kit, which provides access to its suite of products, as well as promotes credit payment options earlier in the shopping experience. Further, the company through Bread, a digital payments platform and robust suite of application programming interfaces allows merchants and partners to integrate online point-of-sale financing and other digital payment products, including installment and split-pay solutions. The company was formerly known as Alliance Data Systems Corporation and changed its name to Bread Financial Holdings Inc. in March 2022. Bread Financial Holdings Inc. was founded in 1996 and is headquartered in Columbus, Ohio.
This calculation uses the DividendFlow Engine v6.0. Data is verified daily against SEC filings and FMP real-time feeds to ensure projection accuracy.
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Real after-tax yield depends on where you live and how you hold ADS.
| Account/Country | Tax Rate | After-tax Yield | Real Yield | $10K Annual Income |
|---|---|---|---|---|
| 🇺🇸 Roth IRA / 401k | 0% | 17.46% | 14.66% | $1,746 / yr |
| 🇺🇸 US Taxable (15%) ✓ | 15% | 14.84% | 12.04% | $1,484 / yr |
| 🇺🇸 US Taxable (20%) | 20% | 13.97% | 11.17% | $1,397 / yr |
| 🇬🇧 UK ISA | 0% | 17.46% | 14.66% | $1,746 / yr |
| 🇬🇧 UK Taxable | 8.75% | 15.93% | 13.13% | $1,593 / yr |
| 🇨🇦 TFSA | 0% | 17.46% | 14.66% | $1,746 / yr |
| 🇨🇦 CA Taxable | 25% | 13.10% | 10.30% | $1,310 / yr |
| 🇦🇺 Super (pension) | 15% | 14.84% | 12.04% | $1,484 / yr |
| 🇦🇺 AU Taxable | 30% | 12.22% | 9.42% | $1,222 / yr |
| 🇩🇪 DE Taxable | 26.375% | 12.85% | 10.05% | $1,285 / yr |
| 🇫🇷 FR Taxable | 30% | 12.22% | 9.42% | $1,222 / yr |
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
12-month CPI (US BLS via FMP economic-indicators).
Based on current dividend of $9.92/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
ADS pays quarterly — 4 times per year. Next ex-div: TBD.
How ADS compares to typical Financial Services averages.
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for ADS sourced from FMP /financial-growth endpoint — real data, not estimates.
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
| Insider | Title | Type | Date | Shares | Price | Total Value |
|---|---|---|---|---|---|---|
| A-Award | 2022-06-15 | 2,650 | — | — | ||
| A-Award | 2022-06-15 | 2,650 | — | — | ||
| A-Award | 2022-03-15 | 257 | — | — | ||
| A-Award | 2022-03-15 | 106 | — | — | ||
| A-Award | 2022-03-15 | 538 | — | — |
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
Analyst consensus price target via FMP. Not a guarantee of future performance. Past analyst accuracy varies.
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the ADS dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →
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