BFH Bread Financial Holdings Inc

Price (delayed)

$39.54

Market cap

$1.97B

P/E Ratio

2.72

Dividend/share

$0.84

EPS

$14.56

Enterprise value

$5.82B

Alliance Data® is a leading provider of data-driven marketing, loyalty and payment solutions serving large, consumer-based industries. The Company creates and deploys customized solutions that measurably change consumer behavior while ...

Highlights
BFH's P/E is 81% below its 5-year quarterly average of 14.0 and 50% below its last 4 quarters average of 5.4
The company's gross profit rose by 50% YoY and by 5% QoQ
BFH's revenue has surged by 67% year-on-year but it is down by 13% since the previous quarter
The net income has soared by 54% YoY but it has contracted by 10% from the previous quarter

Key stats

What are the main financial stats of BFH
Market
Shares outstanding
49.78M
Market cap
$1.97B
Enterprise value
$5.82B
Valuations
Price to earnings (P/E)
2.72
Price to book (P/B)
0.87
Price to sales (P/S)
0.83
EV/EBIT
6.88
EV/EBITDA
6.09
EV/Sales
2.45
Earnings
Revenue
$2.37B
EBIT
$845.8M
EBITDA
$955.8M
Free cash flow
$1.43B
Per share
EPS
$14.56
Free cash flow per share
$28.68
Book value per share
$45.41
Revenue per share
$47.52
TBVPS
$405.93
Balance sheet
Total assets
$20.94B
Total liabilities
$18.67B
Debt
$6.78B
Equity
$2.27B
Working capital
N/A
Liquidity
Debt to equity
2.99
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
4.03
Margins
EBITDA margin
40.3%
Gross margin
121%
Net margin
30.6%
Operating margin
35.5%
Efficiency
Return on assets
3.3%
Return on equity
33.5%
Return on invested capital
4.4%
Return on capital employed
N/A
Return on sales
35.7%
Dividend
Dividend yield
2.12%
DPS
$0.84
Payout ratio
5.8%

BFH stock price

How has the Bread Financial Holdings stock price performed over time
Intraday
-2.23%
1 week
-10.28%
1 month
-18.17%
1 year
-63.44%
YTD
-40.6%
QTD
-29.58%

Financial performance

How have Bread Financial Holdings's revenue and profit performed over time
Revenue
$2.37B
Gross profit
$2.87B
Operating income
$842.8M
Net income
$724.8M
Gross margin
121%
Net margin
30.6%
BFH's revenue has surged by 67% year-on-year but it is down by 13% since the previous quarter
The company's operating income has surged by 67% YoY but it fell by 19% QoQ
The net income has soared by 54% YoY but it has contracted by 10% from the previous quarter
The company's gross profit rose by 50% YoY and by 5% QoQ

Growth

What is Bread Financial Holdings's growth rate over time

Valuation

What is Bread Financial Holdings stock price valuation
P/E
2.72
P/B
0.87
P/S
0.83
EV/EBIT
6.88
EV/EBITDA
6.09
EV/Sales
2.45
BFH's P/E is 81% below its 5-year quarterly average of 14.0 and 50% below its last 4 quarters average of 5.4
Bread Financial Holdings's EPS has soared by 52% YoY but it has decreased by 10% from the previous quarter
The stock's price to book (P/B) is 78% less than its 5-year quarterly average of 4.0 and 54% less than its last 4 quarters average of 1.9
The equity has increased by 29% YoY and by 9% from the previous quarter
BFH's revenue has surged by 67% year-on-year but it is down by 13% since the previous quarter
The price to sales (P/S) is 64% lower than the last 4 quarters average of 2.3 and 59% lower than the 5-year quarterly average of 2.0

Efficiency

How efficient is Bread Financial Holdings business performance
BFH's return on assets has surged by 57% year-on-year but it is down by 11% since the previous quarter
Bread Financial Holdings's ROIC has decreased by 31% from the previous quarter but it has increased by 19% YoY
Bread Financial Holdings's return on equity has decreased by 15% QoQ but it has increased by 2.8% YoY
Bread Financial Holdings's ROS has decreased by 7% from the previous quarter and by 4% YoY

Dividends

What is BFH's dividend history
DPS
$0.84
Dividend yield
2.12%
Payout ratio
5.8%
Recent dividends

Financial health

How did Bread Financial Holdings financials performed over time
Bread Financial Holdings's total assets is 12% more than its total liabilities
The total liabilities has contracted by 5% from the previous quarter and by 3.8% YoY
Bread Financial Holdings's total assets has decreased by 3.7% from the previous quarter
The debt is 199% greater than the equity
The equity has increased by 29% YoY and by 9% from the previous quarter
The company's debt to equity fell by 24% YoY and by 16% QoQ

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.