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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., 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, Pay Later" (BNPL) options such as installment and split-pay. The company also offers marketing, data, and analytics support. Technologically, Bread Financial boasts an advanced digital suite, featuring a unified Software Development Kit (SDK) to simplify product access and integrate credit payment options earlier in the customer's purchasing process. Its Bread digital payments platform, enhanced by robust Application Programming Interfaces (APIs), empowers merchants and partners to seamlessly embed online point-of-sale financing and other digital payment solutions, including installment and split-pay, into their operations.
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 →
Bread Financial Holdings, Inc. (ADS) is currently trading at $56.80, trading near its 52-week low. The current dividend yield is 17.46% based on an annual payout of $9.92 per share.
Bread Financial Holdings, Inc. (ADS) is a financial services stock currently trading at $56.80 with a dividend yield of 17.46%. The company pays an annual dividend of $9.92 per share. The payout ratio of 50% suggests the dividend is well-covered by earnings. Over the past 5 years, ADS has grown its dividend at a compound annual rate of 29.2%.
Auto-generated from live market data. For educational purposes only — not financial advice.
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