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BFH Bread Financial Holdings Inc
- Stocks
- Financial Services
- NYSE: BFH
Price (delayed)
$53.95
Market cap
$2.51B
P/E Ratio
9.48
Dividend/share
$0.84
EPS
$5.69
Enterprise value
$3.42B
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
The debt is up by 10% year-on-year but it has declined by 8% since the previous quarter
The net income has contracted by 29% YoY
Bread Financial Holdings's EPS has decreased by 29% YoY
Key stats
What are the main financial stats of BFH
Market
Valuations
Earnings
Shares outstanding
46.55M
Market cap
$2.51B
Enterprise value
$3.42B
Price to earnings (P/E)
9.48
Price to book (P/B)
0.86
Price to sales (P/S)
1.08
EV/EBIT
8.88
EV/EBITDA
7.23
EV/Sales
1.4
Revenue
$2.45B
Gross profit
$2.45B
Operating income
$390M
Net income
$280M
EBIT
$385M
EBITDA
$473M
Free cash flow
$1.78B
Per share
Balance sheet
Liquidity
EPS
$5.69
EPS diluted
$5.61
Free cash flow per share
$36.35
Book value per share
$62.49
Revenue per share
$49.9
TBVPS
$441.71
Total assets
$22.38B
Total liabilities
$19.31B
Debt
$5.12B
Equity
$3.07B
Working capital
N/A
Debt to equity
1.67
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
1.92
Margins
Efficiency
Dividend
EBITDA margin
19.3%
Gross margin
100%
Net margin
11.5%
Operating margin
16%
Return on assets
1.3%
Return on equity
9%
Return on invested capital
1.7%
Return on capital employed
N/A
Return on sales
15.7%
Dividend yield
1.56%
DPS
$0.84
Payout ratio
14.8%
BFH stock price
How has the Bread Financial Holdings stock price performed over time
Intraday
-0.7%
1 week
6.9%
1 month
17.61%
1 year
33.01%
YTD
-11.64%
QTD
7.73%
Financial performance
How have Bread Financial Holdings's revenue and profit performed over time
Revenue
$2.45B
Gross profit
$2.45B
Operating income
$390M
Net income
$280M
Gross margin
100%
Net margin
11.5%
The net income has contracted by 29% YoY
The net margin has declined by 26% year-on-year
The company's operating income fell by 25% YoY but it rose by 2.4% QoQ
The operating margin has contracted by 21% YoY but it has grown by 2.6% from the previous quarter
Price vs fundamentals
How does BFH's price correlate with its fundamentals
Growth
What is Bread Financial Holdings's growth rate over time
Valuation
What is Bread Financial Holdings stock price valuation
P/E
9.48
P/B
0.86
P/S
1.08
EV/EBIT
8.88
EV/EBITDA
7.23
EV/Sales
1.4
Bread Financial Holdings's EPS has decreased by 29% YoY
BFH's P/E is 20% above its 5-year quarterly average of 7.9 and 20% above its last 4 quarters average of 7.9
The stock's price to book (P/B) is 28% less than its 5-year quarterly average of 1.2 but 8% more than its last 4 quarters average of 0.8
The price to sales (P/S) is 28% lower than the 5-year quarterly average of 1.5 but 8% higher than the last 4 quarters average of 1.0
BFH's revenue is down by 4% year-on-year
Efficiency
How efficient is Bread Financial Holdings business performance
Bread Financial Holdings's return on equity has decreased by 34% YoY
BFH's return on assets is down by 28% year-on-year but it is up by 8% since the previous quarter
Bread Financial Holdings's ROIC has decreased by 23% YoY
Bread Financial Holdings's ROS has decreased by 19% YoY
Dividends
What is BFH's dividend history
DPS
$0.84
Dividend yield
1.56%
Payout ratio
14.8%
Recent dividends
Special dividends are included in TTM DPS and yield
Financial health
How did Bread Financial Holdings financials performed over time
Bread Financial Holdings's total assets is 16% more than its total liabilities
The total liabilities has contracted by 2.7% from the previous quarter
Bread Financial Holdings's total assets has decreased by 2.2% from the previous quarter
The debt is 67% greater than the equity
The debt is up by 10% year-on-year but it has declined by 8% since the previous quarter
The company's debt to equity rose by 9% YoY but it fell by 8% QoQ
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.