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Last Update: 2023-12-23 05:59:30
BREAD FINANCIAL HOLDINGS INC. ( BFH ) https://www.breadfinancial.com
34.17USD
Sector:
Financial Services
Industry:
Credit Services
Country:
United States
1y
3y
5y
10y
Historical Returns*:
SPY
23.45%
-6.11%
BFH
SPY
30.72%
-34.68%
BFH
SPY
112.82%
-65.12%
BFH
SPY
201.04%
-79.17%
BFH
*Assumes dividends reinvested
Market Stats:
Market Capitalization($MM)
Enterprise Value($MM)
Daily Volume(MM)
1711.92
19175.92
0.76
Valuation Metrics:
Price/Earnings Ratio
Price/Sales Ratio
Price/Book Value
FCF Yield(%)
Dividend Yield(%)
EV/EBITDA
3.17
0.40
0.08
121.85
2.46
15.91
Profitability Stats:
Operating Margin %(ttm)
Gross Profit %(ttm)
EBITDA Margin %(ttm)
16.78
126.19
27.99
Shareholder Value Creation:
Cost of Capital %(est)
ROIC %(ttm)
ROCE %(ttm)
Beta
11.4362
3.98
7.24
1.83
Other Earnings and Cash Flow Stats:
BREAD FINANCIAL HOLDINGS INC. ( BFH ) Net Income TTM ($MM) is 626.00
BREAD FINANCIAL HOLDINGS INC. ( BFH ) Operating Income TTM ($MM) is 1338.00
BREAD FINANCIAL HOLDINGS INC. ( BFH ) Owners' Earnings Annual ($MM) is 0.00
BREAD FINANCIAL HOLDINGS INC. ( BFH ) Current Price to Owners' Earnings ratio is 0.00
BREAD FINANCIAL HOLDINGS INC. ( BFH ) EBITDA TTM ($MM) is 1457.00
BREAD FINANCIAL HOLDINGS INC. ( BFH ) EBITDA Margin is 27.99%
Capital Allocation:
BREAD FINANCIAL HOLDINGS INC. ( BFH ) has paid 0.84 dividends per share and bought back -0.2 million shares in the past 12 months
BREAD FINANCIAL HOLDINGS INC. ( BFH ) has increased its debt by 7545.0 million USD in the last 12 months
Capital Structure:
BREAD FINANCIAL HOLDINGS INC. ( BFH ) Interest-bearing Debt ($MM) as of last quarter is 17491
BREAD FINANCIAL HOLDINGS INC. ( BFH ) Annual Working Capital Investments ($MM) are 305
BREAD FINANCIAL HOLDINGS INC. ( BFH ) Book Value ($MM) as of last quarter is 20233
BREAD FINANCIAL HOLDINGS INC. ( BFH ) Debt/Capital as of last quarter is 610%
Other Balance Sheet Stats:
BREAD FINANCIAL HOLDINGS INC. ( BFH ) has 3380 million in cash on hand as of last quarter
BREAD FINANCIAL HOLDINGS INC. ( BFH ) has 16371 million of liabilities due within 12 months, and long term debt 4223 as of last quarter
BREAD FINANCIAL HOLDINGS INC. ( BFH ) has 50 common shares outstanding as of last quarter
BREAD FINANCIAL HOLDINGS INC. ( BFH ) has 0 million USD of preferred stock value
Academic Scores:
BREAD FINANCIAL HOLDINGS INC. ( BFH ) Altman Z-Score is 0.45 as of last quarter
BREAD FINANCIAL HOLDINGS INC. ( BFH ) Piotroski Score is 7.00 as of last quarter
Corporate Governance:
BREAD FINANCIAL HOLDINGS INC. ( BFH ) largest shareholder is Geode Capital Management, LLC owning 1033314 shares at 35.31 ($MM) value
Turtle Creek Asset Management(an insider) Sold 18000 shares of BREAD FINANCIAL HOLDINGS INC. ( BFH ) for the amount of $619920.00 on 2023-12-14
1.08% of BREAD FINANCIAL HOLDINGS INC. ( BFH ) is held by insiders, and 105.85% is held by institutions
BREAD FINANCIAL HOLDINGS INC. ( BFH ) went public on 2001-06-15
Other BREAD FINANCIAL HOLDINGS INC. ( BFH ) financial metrics:
FCF:2090.00
Unlevered Free Cash Flow:0.00
EPS:13.65
Operating Margin:16.78
Gross Profit Margin:126.19
Div. Payout Ratio%:7.79
Div. Growth YoY%:0.00
Equity Return%:23.88
Beta:1.83
Buffet's Owners Earnings:0.00
Price to Owner's Earnings:0.00
About BREAD FINANCIAL HOLDINGS INC. ( BFH ) :
Bread Financial Holdings, Inc. provides tech-forward payment and lending solutions to customers and consumer-based industries in North America. It offers credit card and other loans financing services, including risk management solutions, account origination, and funding services for private label and co-brand credit card programs, as well as through Bread partnerships; and Comenity-branded general purpose cash-back credit. The company also manages and services the loans it originates for private label, co-brand, and general-purpose credit card programs, and installment loans and split-pay products; and provides marketing, and data and analytics services. In addition, it offers an enhanced digital suite that includes a unified software development kit, which provides access to its suite of products, as well as promotes credit payment options earlier in the shopping experience. Further, the company through Bread, a digital payments platform and robust suite of application programming interfaces allows merchants and partners to integrate online point-of-sale financing and other digital payment products. It offers its products under the Bread CashbackTM, Bread PayTM, and Bread SavingsTM brands. The company was formerly known as Alliance Data Systems Corporation and changed its name to Bread Financial Holdings, Inc. in March 2022. Bread Financial Holdings, Inc. was incorporated in 1995 and is headquartered in Columbus, Ohio.
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