BFH Bread Financial Holdings Inc

Price (delayed)

$50.17

Market cap

$2.46B

P/E Ratio

8.99

Dividend/share

$0.84

EPS

$5.58

Enterprise value

$4.34B

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
Shares outstanding
49.09M
Market cap
$2.46B
Enterprise value
$4.34B
Valuations
Price to earnings (P/E)
8.99
Price to book (P/B)
0.82
Price to sales (P/S)
1.02
EV/EBIT
11.45
EV/EBITDA
9.26
EV/Sales
1.78
Earnings
Revenue
$2.44B
Gross profit
$2.44B
Operating income
$381M
Net income
$277M
EBIT
$379M
EBITDA
$469M
Free cash flow
$1.82B
Per share
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
Balance sheet
Total assets
$22.89B
Total liabilities
$19.84B
Debt
$5.56B
Equity
$3.05B
Working capital
N/A
Liquidity
Debt to equity
1.82
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
4
Margins
EBITDA margin
19.2%
Gross margin
100%
Net margin
11.3%
Operating margin
15.6%
Efficiency
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
Dividend yield
1.67%
DPS
$0.84
Payout ratio
15.1%

BFH stock price

How has the Bread Financial Holdings stock price performed over time
Intraday
0.18%
1 week
-2.75%
1 month
-7.09%
1 year
39.44%
YTD
-17.83%
QTD
0.18%

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
8.99
P/B
0.82
P/S
1.02
EV/EBIT
11.45
EV/EBITDA
9.26
EV/Sales
1.78
Bread Financial Holdings's EPS has plunged by 61% YoY and by 12% from the previous quarter
BFH's P/E is 30% above its last 4 quarters average of 6.9 and 14% above its 5-year quarterly average of 7.9
The stock's price to book (P/B) is 37% less than its 5-year quarterly average of 1.3 but 2.5% 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 32% lower than the 5-year quarterly average of 1.5 but 13% higher than the last 4 quarters average of 0.9
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
1.67%
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.