BFH Bread Financial Holdings Inc
Price (delayed)
$56.93
Market cap
$2.79B
P/E Ratio
10.2
Dividend/share
$0.84
EPS
$5.58
Enterprise value
$4.67B
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 equity has increased by 4.6% YoY
The net income has plunged by 61% YoY and by 11% from the previous quarter
Bread Financial Holdings's EPS has plunged by 61% YoY and by 12% from the previous quarter
Key stats
What are the main financial stats of BFH
Market
Valuations
Earnings
Shares outstanding
49.09M
Market cap
$2.79B
Enterprise value
$4.67B
Price to earnings (P/E)
10.2
Price to book (P/B)
0.93
Price to sales (P/S)
1.16
EV/EBIT
12.33
EV/EBITDA
9.96
EV/Sales
1.91
Revenue
$2.44B
Gross profit
$2.44B
Operating income
$381M
Net income
$277M
EBIT
$379M
EBITDA
$469M
Free cash flow
$1.82B
Per share
Balance sheet
Liquidity
EPS
$5.58
EPS diluted
$5.49
Free cash flow per share
$36.75
Book value per share
$61.37
Revenue per share
$49.21
TBVPS
$446.47
Total assets
$22.89B
Total liabilities
$19.84B
Debt
$5.56B
Equity
$3.05B
Working capital
N/A
Debt to equity
1.82
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
4
Margins
Efficiency
Dividend
EBITDA margin
19.2%
Gross margin
100%
Net margin
11.3%
Operating margin
15.6%
Return on assets
1.2%
Return on equity
9%
Return on invested capital
1.7%
Return on capital employed
N/A
Return on sales
15.5%
Dividend yield
1.48%
DPS
$0.84
Payout ratio
15.1%
BFH stock price
How has the Bread Financial Holdings stock price performed over time
Intraday
-4.59%
1 week
-8.78%
1 month
-10.7%
1 year
55.5%
YTD
-6.76%
QTD
-6.76%
Financial performance
How have Bread Financial Holdings's revenue and profit performed over time
Revenue
$2.44B
Gross profit
$2.44B
Operating income
$381M
Net income
$277M
Gross margin
100%
Net margin
11.3%
The net income has plunged by 61% YoY and by 11% from the previous quarter
The company's operating income has shrunk by 61% YoY and by 11% QoQ
The net margin has dropped by 52% year-on-year and by 10% since the previous quarter
The operating margin has plunged by 51% YoY and by 10% 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
10.2
P/B
0.93
P/S
1.16
EV/EBIT
12.33
EV/EBITDA
9.96
EV/Sales
1.91
Bread Financial Holdings's EPS has plunged by 61% YoY and by 12% from the previous quarter
BFH's P/E is 48% above its last 4 quarters average of 6.9 and 28% above its 5-year quarterly average of 8.0
The stock's price to book (P/B) is 28% less than its 5-year quarterly average of 1.3 but 16% more than its last 4 quarters average of 0.8
The equity has increased by 4.6% YoY
The price to sales (P/S) is 29% higher than the last 4 quarters average of 0.9 but 17% lower than the 5-year quarterly average of 1.4
BFH's revenue is down by 20% year-on-year
Efficiency
How efficient is Bread Financial Holdings business performance
Bread Financial Holdings's return on equity has shrunk by 65% YoY and by 12% QoQ
BFH's return on assets has dropped by 64% year-on-year and by 14% since the previous quarter
Bread Financial Holdings's ROIC has plunged by 60% YoY and by 11% from the previous quarter
Bread Financial Holdings's ROS has plunged by 50% YoY and by 9% from the previous quarter
Dividends
What is BFH's dividend history
DPS
$0.84
Dividend yield
1.48%
Payout ratio
15.1%
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 15% more than its total liabilities
The total liabilities has grown by 7% from the previous quarter
Bread Financial Holdings's total assets has increased by 5% from the previous quarter
The debt is 82% greater than the equity
The company's debt to equity rose by 24% QoQ
The debt is up by 21% since the previous quarter and by 5% year-on-year
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.