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BREAD FINANCIAL HOLDINGS, INC.

Data quality: 83%
BFH-PA
NYSE Financial Services Nondepository Credit Institutions
$25.00
▲ $0.15 (0.60%)
Mkt Cap: 1.19 B
Price
$24.90
Mkt Cap
1.19 B
Day Range
—
52-Week Range
—
Volume
—
Open —
50D / 200D Avg
—
50D / 200D Avg
—

Quick Summary

Key Takeaways

Earnings grew 87.00% over the past year
ROE of 15.98% — decent returns on equity
Generating 2.09 B in free cash flow
P/E of 2.29 — trading at a low valuation
Cash machine — converts 403.86% of earnings into free cash flow

Growth

Revenue Growth (5Y)
N/A
Revenue (1Y)N/A
Earnings (1Y)87.00%
FCF Growth (3Y)2.61%

Quality

Return on Equity
15.98%
Above sector avg (9.24%)
ROICN/A
Net MarginN/A
Op. MarginN/A

Safety

Debt / Equity
1.14
Above sector avg (0.49)
Current RatioN/A
Interest CoverageN/A

Valuation

PE (TTM)
2.29
Below sector avg (11.14)
P/B Ratio0.36
EV/EBITDAN/A
Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (2607 peers)
Metric Stock Sector Median
P/E 2.3 11.1
P/B 0.4 1.2
ROE % 16.0 9.2
Net Margin % — 9.4
Rev Growth 5Y % — 5.8
D/E 1.1 0.5

Analyst Price Target

No analyst coverage available

Earnings Estimates

No forward estimates available

All Fundamental Metrics
Growth
Revenue Growth (1Y) N/A Revenue Growth (3Y) N/A
Earnings Growth (1Y) 87.00% Earnings Growth (3Y) -15.06%
Revenue Growth (5Y) N/A Earnings Growth (5Y) -10.32%
Profitability
Revenue (TTM) N/A Net Income (TTM) 518.00 M
ROE 15.98% ROA 2.38%
Gross Margin N/A Operating Margin N/A
Net Margin N/A Free Cash Flow (TTM) 2.09 B
ROIC N/A FCF Growth (3Y) 2.61%
Safety
Debt / Equity 1.14 Current Ratio N/A
Interest Coverage N/A Asset Turnover N/A
Working Capital N/A Tangible Book Value 3.32 B
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio 2.29 Forward P/E N/A
P/B Ratio 0.36 P/S Ratio N/A
PEG Ratio N/A Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield 176.50%
Market Cap 1.19 B Enterprise Value 1.21 B
Per Share
EPS (Diluted TTM) 10.89 Revenue / Share N/A
FCF / Share 43.95 OCF / Share 43.95
EPS CAGR (1Y) 98.36% EPS CAGR (5Y) -9.20%
EPS CAGR (10Y) 4.48%
Efficiency
CapEx / Revenue N/A FCF Conversion 403.86%
SBC-Adj. FCF 2.04 B Growth Momentum N/A

Income Statement

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue — — — — —
Net Income 518.00 M 277.00 M 718.00 M 223.00 M 801.00 M
EPS (Diluted) 10.89 5.49 14.34 4.46 16.02
Gross Profit — — — — —
Operating Income — — — — 301.00 M
EBITDA — — — — —
R&D Expenses — — — — —
SG&A Expenses — — — — —
D&A 80.00 M 90.00 M 116.00 M 113.00 M 123.00 M
Interest Expense 4.06 B 4.06 B 879.00 M 503.00 M 383.00 M
Income Tax 94.00 M 102.00 M 231.00 M 76.00 M 247.00 M

Balance Sheet

Annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 22.66 B 22.89 B 23.14 B 25.41 B 21.75 B
Total Liabilities 19.34 B 19.84 B 20.22 B 23.14 B 19.66 B
Shareholders' Equity 3.33 B 3.05 B 2.92 B 2.27 B 2.09 B
Total Debt 4.31 B 5.56 B 5.29 B 8.01 B 1.99 B
Cash & Equivalents 3.60 B 3.68 B 3.59 B 3.89 B 3.05 B
Current Assets — — — — —
Current Liabilities — — — — —