BFH Bread Financial Holdings Inc

  1. Stocks
  2. Financial Services
  3. NYSE: BFH

Price (delayed)

$32.23

Market cap

$1.59B

P/E Ratio

2.24

Dividend/share

$0.84

EPS

$14.39

Enterprise value

$3.29B

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
BFH's P/E is 76% below its 5-year quarterly average of 9.3 and 25% below its last 4 quarters average of 3.0
BFH's revenue is up by 37% year-on-year and by 7% since the previous quarter
The debt has declined by 34% year-on-year but it is up by 25% since the previous quarter
Sector: Financial Services
Industry: Credit Services
Website: http://www.alliancedata.com
Peers: RM SLM

Key stats

What are the main financial stats of BFH
Market
Shares outstanding
49.42M
Market cap
$1.59B
Enterprise value
$3.29B
Valuations
Price to earnings (P/E)
2.24
Price to book (P/B)
0.54
Price to sales (P/S)
0.52
EV/EBIT
3.47
EV/EBITDA
3.09
EV/Sales
1.08
Earnings
Revenue
$3.06B
EBIT
$949M
EBITDA
$1.07B
Free cash flow
$1.94B
Per share
EPS
$14.39
Free cash flow per share
$38.94
Book value per share
$59.15
Revenue per share
$61.45
TBVPS
$449.38
Balance sheet
Total assets
$23.14B
Total liabilities
$20.22B
Debt
$5.29B
Equity
$2.92B
Working capital
N/A
Liquidity
Debt to equity
1.81
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
1.6
Margins
EBITDA margin
34.8%
Gross margin
100%
Net margin
23.5%
Operating margin
31.6%
Efficiency
Return on assets
3.3%
Return on equity
25.6%
Return on invested capital
4.2%
Return on capital employed
N/A
Return on sales
31%
Dividend
Dividend yield
2.61%
DPS
$0.84
Payout ratio
5.8%

BFH stock price

How has the Bread Financial Holdings stock price performed over time
Intraday
-3.91%
1 week
-8.9%
1 month
-13.34%
1 year
15.73%
YTD
-2.16%
QTD
-13.45%

Financial performance

How have Bread Financial Holdings's revenue and profit performed over time
Revenue
$3.06B
Gross profit
$3.06B
Operating income
$968M
Net income
$718M
Gross margin
100%
Net margin
23.5%
The operating margin has soared by 136% YoY and by 22% from the previous quarter
The net margin has soared by 135% year-on-year and by 25% since the previous quarter
BFH's revenue is up by 37% year-on-year and by 7% since the previous quarter
The company's gross profit rose by 37% YoY and by 7% QoQ

Growth

What is Bread Financial Holdings's growth rate over time

Valuation

What is Bread Financial Holdings stock price valuation
BFH P/E details
P/E
2.24
P/B
0.54
P/S
0.52
EV/EBIT
3.47
EV/EBITDA
3.09
EV/Sales
1.08
BFH's P/E is 76% below its 5-year quarterly average of 9.3 and 25% below its last 4 quarters average of 3.0
Bread Financial Holdings's EPS has increased by 33% from the previous quarter
The stock's price to book (P/B) is 68% less than its 5-year quarterly average of 1.7 and 10% less than its last 4 quarters average of 0.6
The equity has increased by 29% YoY
The price to sales (P/S) is 65% lower than the 5-year quarterly average of 1.5 and 13% lower than the last 4 quarters average of 0.6
BFH's revenue is up by 37% year-on-year and by 7% since the previous quarter

Efficiency

How efficient is Bread Financial Holdings business performance
Bread Financial Holdings's return on equity has surged by 164% YoY and by 25% QoQ
Bread Financial Holdings's ROS has soared by 131% YoY and by 23% from the previous quarter
Bread Financial Holdings's ROIC has increased by 40% from the previous quarter
BFH's return on assets is up by 38% since the previous quarter

Dividends

What is BFH's dividend history
Dividend details
DPS
$0.84
Dividend yield
2.61%
Payout ratio
5.8%
Recent dividends

Financial health

How did Bread Financial Holdings financials performed over time
Bread Financial Holdings's total assets is 14% more than its total liabilities
The total liabilities has contracted by 13% YoY but it has grown by 8% from the previous quarter
Bread Financial Holdings's total assets has decreased by 9% YoY but it has increased by 7% from the previous quarter
The debt is 81% greater than the equity
The company's debt to equity fell by 49% YoY but it rose by 23% QoQ
The debt has declined by 34% year-on-year but it is up by 25% since the previous quarter

All financial data is based on trailing twelve months (TTM) periods - updated quarterly, unless otherwise specified.