{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "9cd0988e-5f1e-43c3-a9d0-80e8d80b1572",
    "symbol": "BFH",
    "name": "Bread Financial Holdings, Inc.",
    "exchange": "NYSE",
    "country_code": "US",
    "country_name": "United States",
    "sector": "Financial Services",
    "industry": "Credit Services",
    "chart_url": "https://sharemaestro.com/terminal/9cd0988e-5f1e-43c3-a9d0-80e8d80b1572/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "9cd0988e-5f1e-43c3-a9d0-80e8d80b1572",
      "symbol": "BFH",
      "name": "Bread Financial Holdings, Inc.",
      "exchange": "NYSE",
      "country_code": "US",
      "country_name": "United States",
      "sector": "Financial Services",
      "industry": "Credit Services",
      "chart_url": "https://sharemaestro.com/terminal/9cd0988e-5f1e-43c3-a9d0-80e8d80b1572/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "BFH",
    "market_cap": 4109802496.0,
    "market_cap_usd": 3681487692.15,
    "price": 101.709999,
    "currency": "USD",
    "dividend_yield": 0.0091,
    "dividend_years": 10,
    "dividend_growth_5y": -0.03079475,
    "dividend_cut_5y": true,
    "payout_ratio": 0.0718,
    "net_income": 518000000.0,
    "free_cash_flow": 2092000000.0,
    "fcf_covers_dividend": true,
    "debt_to_equity": 1.32040878,
    "revenue_growth_5y": 0.07337372,
    "net_margin": 0.21218,
    "roe": 0.17518999,
    "pe_ratio": 8.302857,
    "price_vs_ma": 0.30317888,
    "return_3y": 2.63977005,
    "return_5y": 0.27891486,
    "max_drawdown": -0.74223094,
    "scores": {
      "dividend_reliability": 13.0,
      "dividend_sustainability": 18.5,
      "business_quality": 23.5,
      "valuation": 11.0,
      "trend": 12.0,
      "total": 78.0,
      "confidence": 100.0
    },
    "rating": "high_quality",
    "rating_label": "High Quality Watchlist Candidate",
    "decision": "reject",
    "decision_label": "Reject",
    "warnings": [
      "Dividend cut or material annual decrease detected in the last five completed years."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/9cd0988e-5f1e-43c3-a9d0-80e8d80b1572/",
      "chart": "https://sharemaestro.com/terminal/9cd0988e-5f1e-43c3-a9d0-80e8d80b1572/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 13.0,
    "dividend_sustainability": 18.5,
    "business_quality": 23.5,
    "valuation": 11.0,
    "trend": 12.0,
    "total": 78.0,
    "confidence": 100.0
  },
  "warnings": [
    "Dividend cut or material annual decrease detected in the last five completed years."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "BFH",
      "exchange": "NYSE",
      "headline": "BFH dividend review warning",
      "detail": "Dividend cut or material annual decrease detected in the last five completed years.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9cd0988e-5f1e-43c3-a9d0-80e8d80b1572/"
    },
    {
      "event_date": "2026-05-29",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BFH",
      "exchange": "NYSE",
      "headline": "BFH dividend payment 0.23 USD",
      "detail": "Recorded dividend payment for Bread Financial Holdings, Inc..",
      "amount": 0.23,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9cd0988e-5f1e-43c3-a9d0-80e8d80b1572/"
    },
    {
      "event_date": "2026-02-27",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BFH",
      "exchange": "NYSE",
      "headline": "BFH dividend payment 0.23 USD",
      "detail": "Recorded dividend payment for Bread Financial Holdings, Inc..",
      "amount": 0.23,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9cd0988e-5f1e-43c3-a9d0-80e8d80b1572/"
    },
    {
      "event_date": "2025-11-07",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "BFH",
      "exchange": "NYSE",
      "headline": "Dividend increased 9.5%",
      "detail": "Payment changed from 0.21 to 0.23.",
      "amount": 0.23,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9cd0988e-5f1e-43c3-a9d0-80e8d80b1572/"
    },
    {
      "event_date": "2025-11-07",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BFH",
      "exchange": "NYSE",
      "headline": "BFH dividend payment 0.23 USD",
      "detail": "Recorded dividend payment for Bread Financial Holdings, Inc..",
      "amount": 0.23,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9cd0988e-5f1e-43c3-a9d0-80e8d80b1572/"
    },
    {
      "event_date": "2025-08-08",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BFH",
      "exchange": "NYSE",
      "headline": "BFH dividend payment 0.21 USD",
      "detail": "Recorded dividend payment for Bread Financial Holdings, Inc..",
      "amount": 0.21,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9cd0988e-5f1e-43c3-a9d0-80e8d80b1572/"
    },
    {
      "event_date": "2025-05-09",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BFH",
      "exchange": "NYSE",
      "headline": "BFH dividend payment 0.21 USD",
      "detail": "Recorded dividend payment for Bread Financial Holdings, Inc..",
      "amount": 0.21,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9cd0988e-5f1e-43c3-a9d0-80e8d80b1572/"
    },
    {
      "event_date": "2025-02-14",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BFH",
      "exchange": "NYSE",
      "headline": "BFH dividend payment 0.21 USD",
      "detail": "Recorded dividend payment for Bread Financial Holdings, Inc..",
      "amount": 0.21,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9cd0988e-5f1e-43c3-a9d0-80e8d80b1572/"
    },
    {
      "event_date": "2024-11-08",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BFH",
      "exchange": "NYSE",
      "headline": "BFH dividend payment 0.21 USD",
      "detail": "Recorded dividend payment for Bread Financial Holdings, Inc..",
      "amount": 0.21,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9cd0988e-5f1e-43c3-a9d0-80e8d80b1572/"
    },
    {
      "event_date": "2024-08-09",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BFH",
      "exchange": "NYSE",
      "headline": "BFH dividend payment 0.21 USD",
      "detail": "Recorded dividend payment for Bread Financial Holdings, Inc..",
      "amount": 0.21,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9cd0988e-5f1e-43c3-a9d0-80e8d80b1572/"
    },
    {
      "event_date": "2024-05-09",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BFH",
      "exchange": "NYSE",
      "headline": "BFH dividend payment 0.21 USD",
      "detail": "Recorded dividend payment for Bread Financial Holdings, Inc..",
      "amount": 0.21,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9cd0988e-5f1e-43c3-a9d0-80e8d80b1572/"
    },
    {
      "event_date": "2024-02-08",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BFH",
      "exchange": "NYSE",
      "headline": "BFH dividend payment 0.21 USD",
      "detail": "Recorded dividend payment for Bread Financial Holdings, Inc..",
      "amount": 0.21,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9cd0988e-5f1e-43c3-a9d0-80e8d80b1572/"
    },
    {
      "event_date": "2023-11-10",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BFH",
      "exchange": "NYSE",
      "headline": "BFH dividend payment 0.21 USD",
      "detail": "Recorded dividend payment for Bread Financial Holdings, Inc..",
      "amount": 0.21,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9cd0988e-5f1e-43c3-a9d0-80e8d80b1572/"
    },
    {
      "event_date": "2023-08-10",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BFH",
      "exchange": "NYSE",
      "headline": "BFH dividend payment 0.21 USD",
      "detail": "Recorded dividend payment for Bread Financial Holdings, Inc..",
      "amount": 0.21,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9cd0988e-5f1e-43c3-a9d0-80e8d80b1572/"
    },
    {
      "event_date": "2021-11-10",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "BFH",
      "exchange": "NYSE",
      "headline": "Dividend increased 25.3%",
      "detail": "Payment changed from 0.1676 to 0.21.",
      "amount": 0.21,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9cd0988e-5f1e-43c3-a9d0-80e8d80b1572/"
    },
    {
      "event_date": "2020-05-13",
      "event_type": "cut",
      "severity": "negative",
      "ticker": "BFH",
      "exchange": "NYSE",
      "headline": "Dividend cut -66.7%",
      "detail": "Payment changed from 0.5028 to 0.1676.",
      "amount": 0.167598,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9cd0988e-5f1e-43c3-a9d0-80e8d80b1572/"
    },
    {
      "event_date": "2019-02-20",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "BFH",
      "exchange": "NYSE",
      "headline": "Dividend increased 10.5%",
      "detail": "Payment changed from 0.4549 to 0.5028.",
      "amount": 0.502793,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9cd0988e-5f1e-43c3-a9d0-80e8d80b1572/"
    },
    {
      "event_date": "2018-02-13",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "BFH",
      "exchange": "NYSE",
      "headline": "Dividend increased 9.6%",
      "detail": "Payment changed from 0.415 to 0.4549.",
      "amount": 0.454908,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/9cd0988e-5f1e-43c3-a9d0-80e8d80b1572/"
    }
  ]
}