BFH Bread Financial Holdings Inc

  1. Stocks
  2. Financial Services
  3. NYSE: BFH

Price (delayed)

$30.37

Market cap

$1.52B

P/E Ratio

6.79

Dividend/share

$0.84

EPS

$4.47

Enterprise value

$5.64B

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 40% below its 5-year quarterly average of 11.3 but 33% above its last 4 quarters average of 5.1
The equity has increased by 9% YoY but it has decreased by 6% from the previous quarter
Bread Financial Holdings's EPS has plunged by 72% YoY and by 40% from the previous quarter
The net income has plunged by 72% YoY and by 40% from the previous quarter
Sector: Financial Services
Industry: Credit Services
Website: http://www.alliancedata.com

Key stats

What are the main financial stats of BFH
Market
Shares outstanding
50.12M
Market cap
$1.52B
Enterprise value
$5.64B
Valuations
Price to earnings (P/E)
6.79
Price to book (P/B)
0.67
Price to sales (P/S)
0.68
EV/EBIT
18.86
EV/EBITDA
13.68
EV/Sales
2.53
Earnings
Revenue
$2.23B
EBIT
$299M
EBITDA
$412M
Free cash flow
$1.78B
Per share
EPS
$4.47
Free cash flow per share
$35.67
Book value per share
$45.43
Revenue per share
$44.73
TBVPS
$493.15
Balance sheet
Total assets
$25.41B
Total liabilities
$23.14B
Debt
$8.01B
Equity
$2.27B
Working capital
N/A
Liquidity
Debt to equity
3.54
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
9.99
Margins
EBITDA margin
18.5%
Gross margin
100%
Net margin
10%
Operating margin
13.4%
Efficiency
Return on assets
1%
Return on equity
9.7%
Return on invested capital
1.2%
Return on capital employed
N/A
Return on sales
13.4%
Dividend
Dividend yield
2.77%
DPS
$0.84
Payout ratio
18.8%

BFH stock price

How has the Bread Financial Holdings stock price performed over time
Intraday
0.46%
1 week
-2.1%
1 month
-24.51%
1 year
-50.21%
YTD
-19.36%
QTD
-19.36%

Financial performance

How have Bread Financial Holdings's revenue and profit performed over time
Revenue
$2.23B
Gross profit
$2.23B
Operating income
$300M
Net income
$223M
Gross margin
100%
Net margin
10%
The net income has plunged by 72% YoY and by 40% from the previous quarter
The company's operating income has shrunk by 71% YoY and by 47% QoQ
The net margin has dropped by 66% year-on-year and by 36% since the previous quarter
The operating margin has plunged by 65% YoY and by 44% from the previous quarter

Growth

What is Bread Financial Holdings's growth rate over time

Valuation

What is Bread Financial Holdings stock price valuation
P/E
6.79
P/B
0.67
P/S
0.68
EV/EBIT
18.86
EV/EBITDA
13.68
EV/Sales
2.53
Bread Financial Holdings's EPS has plunged by 72% YoY and by 40% from the previous quarter
BFH's P/E is 40% below its 5-year quarterly average of 11.3 but 33% above its last 4 quarters average of 5.1
The stock's price to book (P/B) is 76% less than its 5-year quarterly average of 2.8 and 26% less than its last 4 quarters average of 0.9
The equity has increased by 9% YoY but it has decreased by 6% from the previous quarter
The price to sales (P/S) is 64% lower than the 5-year quarterly average of 1.9 and 15% lower than the last 4 quarters average of 0.8
BFH's revenue is down by 18% year-on-year and by 6% since the previous quarter

Efficiency

How efficient is Bread Financial Holdings business performance
Bread Financial Holdings's ROIC has plunged by 81% YoY and by 43% from the previous quarter
Bread Financial Holdings's return on equity has shrunk by 75% YoY and by 42% QoQ
BFH's return on assets has dropped by 73% year-on-year and by 41% since the previous quarter
Bread Financial Holdings's ROS has plunged by 65% YoY and by 39% from the previous quarter

Dividends

What is BFH's dividend history
Dividend details
DPS
$0.84
Dividend yield
2.77%
Payout ratio
18.8%
Recent dividends

Financial health

How did Bread Financial Holdings financials performed over time
Bread Financial Holdings's total assets is 10% more than its total liabilities
The total liabilities has grown by 18% from the previous quarter and by 18% YoY
Bread Financial Holdings's total assets has increased by 17% YoY and by 16% from the previous quarter
The company's debt to equity rose by 43% QoQ
The debt is up by 35% since the previous quarter and by 8% year-on-year

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