BFH Bread Financial Holdings Inc

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

Price (delayed)

$29.25

Market cap

$1.44B

P/E Ratio

2.71

Dividend/share

$0.84

EPS

$10.8

Enterprise value

$2.29B

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 72% below its 5-year quarterly average of 9.7 and 40% below its last 4 quarters average of 4.5
The net income has grown by 44% YoY and by 7% from the previous quarter
Sector: Financial Services
Industry: Credit Services
Website: http://www.alliancedata.com
Peers: RM SFE

Key stats

What are the main financial stats of BFH
Market
Shares outstanding
49.33M
Market cap
$1.44B
Enterprise value
$2.29B
Valuations
Price to earnings (P/E)
2.71
Price to book (P/B)
0.51
Price to sales (P/S)
0.51
EV/EBIT
3.16
EV/EBITDA
2.7
EV/Sales
0.8
Earnings
Revenue
$2.87B
EBIT
$723M
EBITDA
$848M
Free cash flow
$1.83B
Per share
EPS
$10.8
Free cash flow per share
$36.57
Book value per share
$57.02
Revenue per share
$57.43
TBVPS
$417.58
Balance sheet
Total assets
$21.61B
Total liabilities
$18.74B
Debt
$4.22B
Equity
$2.86B
Working capital
N/A
Liquidity
Debt to equity
1.47
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
0.99
Margins
EBITDA margin
29.6%
Gross margin
100%
Net margin
18.8%
Operating margin
25.9%
Efficiency
Return on assets
2.4%
Return on equity
20.4%
Return on invested capital
3%
Return on capital employed
N/A
Return on sales
25.2%
Dividend
Dividend yield
2.87%
DPS
$0.84
Payout ratio
7.8%

BFH stock price

How has the Bread Financial Holdings stock price performed over time
Intraday
4.09%
1 week
7.46%
1 month
9.51%
1 year
-27.58%
YTD
-22.33%
QTD
-14.47%

Financial performance

How have Bread Financial Holdings's revenue and profit performed over time
Revenue
$2.87B
Gross profit
$2.87B
Operating income
$741M
Net income
$540M
Gross margin
100%
Net margin
18.8%
The net income has grown by 44% YoY and by 7% from the previous quarter
The company's operating income rose by 30% YoY and by 5% QoQ
The net margin is up by 20% year-on-year and by 5% since the previous quarter
The company's gross profit rose by 20% YoY

Growth

What is Bread Financial Holdings's growth rate over time

Valuation

What is Bread Financial Holdings stock price valuation
BFH P/E details
P/E
2.71
P/B
0.51
P/S
0.51
EV/EBIT
3.16
EV/EBITDA
2.7
EV/Sales
0.8
BFH's P/E is 72% below its 5-year quarterly average of 9.7 and 40% below its last 4 quarters average of 4.5
Bread Financial Holdings's EPS has increased by 44% YoY and by 7% from the previous quarter
The stock's price to book (P/B) is 75% less than its 5-year quarterly average of 2.0 and 15% less than its last 4 quarters average of 0.6
The equity has increased by 19% YoY and by 4.7% from the previous quarter
The price to sales (P/S) is 68% lower than the 5-year quarterly average of 1.6 and 15% lower than the last 4 quarters average of 0.6
BFH's revenue is up by 20% year-on-year

Efficiency

How efficient is Bread Financial Holdings business performance
Bread Financial Holdings's ROIC has increased by 43% YoY and by 7% from the previous quarter
BFH's return on assets is up by 41% year-on-year and by 9% since the previous quarter
Bread Financial Holdings's return on equity has increased by 23% YoY and by 2.5% QoQ
Bread Financial Holdings's ROS has increased by 14% YoY and by 2.9% from the previous quarter

Dividends

What is BFH's dividend history
Dividend details
DPS
$0.84
Dividend yield
2.87%
Payout ratio
7.8%
Recent dividends

Financial health

How did Bread Financial Holdings financials performed over time
Bread Financial Holdings's total assets is 15% more than its total liabilities
The total liabilities has contracted by 4.2% YoY
The debt is 47% greater than the equity
The company's debt to equity fell by 40% YoY and by 15% QoQ
The debt has declined by 29% year-on-year and by 10% since the previous quarter

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