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Price (delayed)
$56.8
Market cap
$2.82B
P/E Ratio
8.93
Dividend/share
$0.84
EPS
$6.36
Enterprise value
$3.96B
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 9% YoY
The debt is up by 9% year-on-year but it has declined by 3.6% since the previous quarter
BFH's P/E is 91% above its last 4 quarters average of 4.7 and 6% above its 5-year quarterly average of 8.5
The net income has contracted by 42% YoY and by 35% from the previous quarter
Key stats
What are the main financial stats of BFH
Market
Valuations
Earnings
Shares outstanding
49.72M
Market cap
$2.82B
Enterprise value
$3.96B
Price to book (P/B)
0.91
Price to sales (P/S)
1.14
EV/EBIT
9.35
EV/EBITDA
7.68
EV/Sales
1.6
Revenue
$2.47B
EBIT
$423M
EBITDA
$515M
Free cash flow
$1.95B
Per share
Balance sheet
Liquidity
EPS
$6.36
Free cash flow per share
$39.18
Book value per share
$62.64
Revenue per share
$49.64
TBVPS
$422.17
Total assets
$21.74B
Total liabilities
$18.62B
Debt
$4.58B
Equity
$3.11B
Working capital
N/A
Debt to equity
1.47
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
2.2
Margins
Efficiency
Dividend
EBITDA margin
20.9%
Gross margin
100%
Net margin
12.6%
Operating margin
17.3%
Return on assets
1.4%
Return on equity
10.2%
Return on invested capital
1.9%
Return on capital employed
N/A
Return on sales
17.1%
Dividend yield
1.48%
DPS
$0.84
Payout ratio
13.2%
BFH stock price
How has the Bread Financial Holdings stock price performed over time
Intraday
-0.66%
1 week
0.18%
1 month
13.51%
1 year
112.02%
YTD
72.43%
QTD
19.38%
Financial performance
How have Bread Financial Holdings's revenue and profit performed over time
Revenue
$2.47B
Gross profit
$2.47B
Operating income
$426M
Net income
$312M
Gross margin
100%
Net margin
12.6%
The company's operating income fell by 43% YoY and by 30% QoQ
The net income has contracted by 42% YoY and by 35% from the previous quarter
The operating margin has contracted by 33% YoY and by 27% from the previous quarter
The net margin has declined by 33% year-on-year and by 32% since 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
8.93
P/B
0.91
P/S
1.14
EV/EBIT
9.35
EV/EBITDA
7.68
EV/Sales
1.6
BFH's P/E is 91% above its last 4 quarters average of 4.7 and 6% above its 5-year quarterly average of 8.5
Bread Financial Holdings's EPS has decreased by 41% YoY and by 35% from the previous quarter
The stock's price to book (P/B) is 35% less than its 5-year quarterly average of 1.4 but 30% more than its last 4 quarters average of 0.7
The equity has increased by 9% YoY
The price to sales (P/S) is 44% higher than the last 4 quarters average of 0.8 but 23% lower than the 5-year quarterly average of 1.5
BFH's revenue is down by 14% year-on-year and by 4.4% since the previous quarter
Efficiency
How efficient is Bread Financial Holdings business performance
Bread Financial Holdings's return on equity has shrunk by 50% YoY and by 37% QoQ
BFH's return on assets is down by 42% year-on-year and by 36% since the previous quarter
Bread Financial Holdings's ROIC has decreased by 37% YoY and by 30% from the previous quarter
Bread Financial Holdings's ROS has decreased by 32% YoY and by 27% from the previous quarter
Dividends
What is BFH's dividend history
DPS
$0.84
Dividend yield
1.48%
Payout ratio
13.2%
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 17% more than its total liabilities
The debt is 47% greater than the equity
The debt is up by 9% year-on-year but it has declined by 3.6% since the previous quarter
The equity has increased by 9% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.