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Price (delayed)
$49.86
Market cap
$2.48B
P/E Ratio
5.11
Dividend/share
$0.63
EPS
$9.75
Enterprise value
$3.18B
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 16% YoY and by 4.6% from the previous quarter
BFH's P/E is 41% below its 5-year quarterly average of 8.6 but 38% above its last 4 quarters average of 3.7
Bread Financial Holdings's EPS has increased by 22% from the previous quarter but it has decreased by 3% YoY
The company's gross profit fell by 8% YoY
BFH's revenue is down by 8% year-on-year
Key stats
What are the main financial stats of BFH
Market
Valuations
Earnings
Shares outstanding
49.68M
Market cap
$2.48B
Enterprise value
$3.18B
Price to book (P/B)
0.78
Price to sales (P/S)
0.96
EV/EBIT
5.24
EV/EBITDA
4.54
EV/Sales
1.23
Revenue
$2.58B
EBIT
$607M
EBITDA
$700M
Free cash flow
$2.11B
Per share
Balance sheet
Liquidity
EPS
$9.75
Free cash flow per share
$42.6
Book value per share
$63.93
Revenue per share
$52.02
TBVPS
$431.45
Total assets
$22.14B
Total liabilities
$18.97B
Debt
$4.75B
Equity
$3.17B
Working capital
N/A
Debt to equity
1.5
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
1
Margins
Efficiency
Dividend
EBITDA margin
27.1%
Gross margin
100%
Net margin
18.6%
Operating margin
23.7%
Return on assets
2.2%
Return on equity
16.1%
Return on invested capital
2.7%
Return on capital employed
N/A
Return on sales
23.5%
Dividend yield
1.26%
DPS
$0.63
Payout ratio
6.5%
BFH stock price
How has the Bread Financial Holdings stock price performed over time
Intraday
2.87%
1 week
7.23%
1 month
-7.51%
1 year
61.2%
YTD
51.37%
QTD
4.79%
Financial performance
How have Bread Financial Holdings's revenue and profit performed over time
Revenue
$2.58B
Gross profit
$2.58B
Operating income
$611M
Net income
$481M
Gross margin
100%
Net margin
18.6%
The net income has grown by 21% from the previous quarter but it has contracted by 4.4% YoY
The net margin is up by 20% since the previous quarter and by 3.9% year-on-year
The company's operating income rose by 18% QoQ but it fell by 13% YoY
The operating margin has grown by 17% from the previous quarter but it has contracted by 6% YoY
Growth
What is Bread Financial Holdings's growth rate over time
Valuation
What is Bread Financial Holdings stock price valuation
P/E
5.11
P/B
0.78
P/S
0.96
EV/EBIT
5.24
EV/EBITDA
4.54
EV/Sales
1.23
BFH's P/E is 41% below its 5-year quarterly average of 8.6 but 38% above its last 4 quarters average of 3.7
Bread Financial Holdings's EPS has increased by 22% from the previous quarter but it has decreased by 3% YoY
The stock's price to book (P/B) is 44% less than its 5-year quarterly average of 1.4 but 30% more than its last 4 quarters average of 0.6
The equity has increased by 16% YoY and by 4.6% from the previous quarter
The price to sales (P/S) is 37% higher than the last 4 quarters average of 0.7 but 36% lower than the 5-year quarterly average of 1.5
BFH's revenue is down by 8% year-on-year
Efficiency
How efficient is Bread Financial Holdings business performance
Bread Financial Holdings's ROIC has increased by 23% from the previous quarter but it has decreased by 3.6% YoY
BFH's return on assets is up by 22% since the previous quarter
Bread Financial Holdings's ROS has increased by 21% from the previous quarter but it has decreased by 4.1% YoY
Bread Financial Holdings's return on equity has decreased by 19% YoY but it has increased by 18% QoQ
Dividends
What is BFH's dividend history
DPS
$0.63
Dividend yield
1.26%
Payout ratio
6.5%
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
Bread Financial Holdings's total assets has increased by 2.5% YoY
The debt is 50% greater than the equity
The equity has increased by 16% YoY and by 4.6% from the previous quarter
The company's debt to equity fell by 13% YoY
All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise
specified. Data from 
and Sharadar.