BFH Bread Financial Holdings Inc

Price (delayed)

$41.88

Market cap

$2.08B

P/E Ratio

5.23

Dividend/share

$0.84

EPS

$8.01

Enterprise value

$2.94B

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 12% YoY and by 3.9% from the previous quarter
The debt has declined by 12% since the previous quarter and by 4.8% year-on-year
BFH's P/E is 58% above its last 4 quarters average of 3.3 but 43% below its 5-year quarterly average of 9.1
The net income has contracted by 45% from the previous quarter and by 15% YoY
Bread Financial Holdings's EPS has decreased by 44% from the previous quarter and by 14% YoY

Key stats

What are the main financial stats of BFH
Market
Shares outstanding
49.58M
Market cap
$2.08B
Enterprise value
$2.94B
Valuations
Price to book (P/B)
0.68
Price to sales (P/S)
0.81
EV/EBIT
5.91
EV/EBITDA
4.88
EV/Sales
1.15
Earnings
Revenue
$2.55B
EBIT
$497M
EBITDA
$602M
Free cash flow
$1.98B
Per share
EPS
$8.01
Free cash flow per share
$40.04
Book value per share
$61.35
Revenue per share
$51.45
TBVPS
$435.27
Balance sheet
Total assets
$22.3B
Total liabilities
$19.27B
Debt
$4.65B
Equity
$3.03B
Working capital
N/A
Liquidity
Debt to equity
1.53
Current ratio
N/A
Quick ratio
N/A
Net debt/EBITDA
1.43
Margins
EBITDA margin
23.6%
Gross margin
100%
Net margin
15.5%
Operating margin
20.3%
Efficiency
Return on assets
1.8%
Return on equity
13.7%
Return on invested capital
2.2%
Return on capital employed
N/A
Return on sales
19.5%
Dividend
Dividend yield
2.01%
DPS
$0.84
Payout ratio
10.5%

BFH stock price

How has the Bread Financial Holdings stock price performed over time
Intraday
1.75%
1 week
0.77%
1 month
17.87%
1 year
41.87%
YTD
27.14%
QTD
12.46%

Financial performance

How have Bread Financial Holdings's revenue and profit performed over time
Revenue
$2.55B
Gross profit
$2.55B
Operating income
$517M
Net income
$396M
Gross margin
100%
Net margin
15.5%
The company's operating income fell by 47% QoQ and by 19% YoY
The net income has contracted by 45% from the previous quarter and by 15% YoY
The operating margin has contracted by 36% from the previous quarter and by 14% YoY
The net margin has declined by 34% since the previous quarter and by 11% year-on-year

Growth

What is Bread Financial Holdings's growth rate over time

Valuation

What is Bread Financial Holdings stock price valuation
P/E
5.23
P/B
0.68
P/S
0.81
EV/EBIT
5.91
EV/EBITDA
4.88
EV/Sales
1.15
BFH's P/E is 58% above its last 4 quarters average of 3.3 but 43% below its 5-year quarterly average of 9.1
Bread Financial Holdings's EPS has decreased by 44% from the previous quarter and by 14% YoY
The stock's price to book (P/B) is 60% less than its 5-year quarterly average of 1.7 but 13% more than its last 4 quarters average of 0.6
The equity has increased by 12% YoY and by 3.9% from the previous quarter
The price to sales (P/S) is 46% lower than the 5-year quarterly average of 1.5 but 35% higher than the last 4 quarters average of 0.6
BFH's revenue is down by 17% since the previous quarter and by 5% year-on-year

Efficiency

How efficient is Bread Financial Holdings business performance
Bread Financial Holdings's ROIC has decreased by 48% from the previous quarter and by 12% YoY
Bread Financial Holdings's return on equity has decreased by 46% QoQ and by 29% YoY
BFH's return on assets is down by 45% since the previous quarter and by 10% year-on-year
Bread Financial Holdings's ROS has decreased by 37% from the previous quarter and by 17% YoY

Dividends

What is BFH's dividend history
DPS
$0.84
Dividend yield
2.01%
Payout ratio
10.5%
Recent dividends

Financial health

How did Bread Financial Holdings financials performed over time
Bread Financial Holdings's total assets is 16% more than its total liabilities
The total liabilities has contracted by 4.7% from the previous quarter
Bread Financial Holdings's total assets has decreased by 3.6% from the previous quarter
The debt is 53% greater than the equity
The company's debt to equity fell by 15% QoQ and by 15% YoY
The equity has increased by 12% YoY and by 3.9% from the previous quarter

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