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Factors considered in determining dividends include, but are not limited to, our profitability, expected capital needs and legal, regulatory and contractual restrictions.
−Removed: See also “Risk Factors — There is no guarantee that we will pay future dividends or repurchase shares at a level anticipated by stockholders, which could reduce returns to our stockholders.
+Added: See also “Risk Factors— There is no guarantee that we will pay future dividends or repurchase shares of our common stock at a level anticipated by stockholders, which could reduce returns to our stockholders .
Subject to these qualifications, we presently expect to continue to pay dividends on a quarterly basis.
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The following Stock Performance Graph shows the cumulative total stockholder return on our common stock compared to an overall stock market index, the S&P Composite 500 Stock Index (S&P 500 Index), and a published industry index, the S&P Financial Composite Index (S&P Financial Index), over the five-year period commencing December 31, 2018 and ended December 31, 2023.
−Removed: As described under the heading “Business Strategy & Transformation” in “Part I—Item 1.
−Removed: Business” above, through a series of strategic initiatives and transactions, we have simplified our business model as a tech-forward financial services company.
−Removed: In connection with this transformation, we have elected to use the S&P Financial Index as our selected index under Item 201(e)(1)(ii) of Regulation S-K for purposes of this Stock Performance Graph.
−Removed: In our Annual Report on Form 10-K for the year ended December 31, 2021, we included a peer group index as our selected index under Item 201(e)(1)(ii).
−Removed: Accordingly, as required under Item 201(e)(4) of Regulation S-K, we have also included the total stockholder return of a peer group in the Stock Performance Graph below, which consists of the following companies:
−Removed: PayPal Holdings, Inc., MasterCard Incorporated, Synchrony Financial, Discover Financial Services, Fifth Third Bancorp, Key Corp, Citizens Financial Group, Inc., Ally Financial Inc., M&T Bank Corporation, Regions Financial Corporation, Huntington Bancshares Incorporated, Comerica Incorporated, SVB Financial Group and Capital One
−Removed: Tabl e of Contents
−Removed: Financial Corporation.
−Removed: This peer group is the same as the peer group used in our Annual Report on Form 10-K for the year ended December 31, 2021, except for the removal of Santander Consumer USA Holdings Inc., which was the subject of a take-private transaction in January 2022.
The Stock Performance Graph assumes that $100 was invested in our common stock and each index, and that all dividends were reinvested.
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The stock price performance on the graph below is not necessarily indicative of future performance.
−Removed: Effective March 23, 2022, we changed our corporate name to Bread Financial Holdings, Inc.
−Removed: from Alliance Data Systems Corporation, and on April 4, 2022, we changed our ticker to “BFH” from “ADS” on the NYSE.
+Added: Tabl e of Contents
+Added: *$100 invested on December 31, 2018 in stock or index, including reinvestment of dividends.
+Added: Fiscal year end December 31.
Copyright© 2024 Standard & Poor’s, a division of S&P Global.
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Bread Financial Holdings, Inc.
−Removed: S&P 500 Index S&P Financial Index 2022 Peer Group Index
+Added: S&P 500 Index S&P Financial Index
December 31, 2018 $ 100.00 $ 100.00 $ 100.00
8 unchanged sentences
Compared sentence by sentence after normalising whitespace, quotation marks, case and digits, so re-formatting and restated figures do not read as changed language. Wording changes appear as one removal and one addition. The current filing and the prior one are authoritative.