Bread Financial Holdings Statistics
Total Valuation
BFH has a market cap or net worth of $1.75 billion. The enterprise value is $3.46 billion.
| Market Cap | 1.75B |
| Enterprise Value | 3.46B |
Important Dates
The next confirmed earnings date is Thursday, April 25, 2024, before market open.
| Earnings Date | Apr 25, 2024 |
| Ex-Dividend Date | Feb 8, 2024 |
Share Statistics
BFH has 49.42 million shares outstanding.
| Shares Outstanding | 49.42M |
| Shares Change (YoY) | n/a |
| Shares Change (QoQ) | -1.40% |
| Owned by Insiders (%) | 0.65% |
| Owned by Institutions (%) | 103.04% |
| Float | 49.11M |
Valuation Ratios
The trailing PE ratio is 2.48 and the forward PE ratio is 5.01. BFH's PEG ratio is 0.26.
| PE Ratio | 2.48 |
| Forward PE | 5.01 |
| PS Ratio | 0.57 |
| Forward PS | 0.45 |
| PB Ratio | 0.60 |
| P/FCF Ratio | 0.91 |
| PEG Ratio | 0.26 |
Enterprise Valuation
The stock's EV/EBITDA ratio is 3.25, with an EV/FCF ratio of 1.78.
| EV / Earnings | 4.82 |
| EV / Sales | 1.13 |
| EV / EBITDA | 3.25 |
| EV / EBIT | 3.64 |
| EV / FCF | 1.78 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | 1.81 |
| Debt / EBITDA | 4.97 |
| Debt / FCF | 2.73 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 25.60% and return on invested capital (ROIC) is 8.92%.
| Return on Equity (ROE) | 25.60% |
| Return on Assets (ROA) | 3.30% |
| Return on Capital (ROIC) | 8.92% |
| Revenue Per Employee | $437,143 |
| Profits Per Employee | $102,571 |
| Employee Count | 7,000 |
| Asset Turnover | 0.14 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, BFH has paid $231.00 million in taxes.
| Income Tax | 231.00M |
| Effective Tax Rate | 24.34% |
Stock Price Statistics
The stock price has increased by +26.85% in the last 52 weeks. The beta is 1.98, so BFH's price volatility has been higher than the market average.
| Beta (1Y) | 1.98 |
| 52-Week Price Change | +26.85% |
| 50-Day Moving Average | 36.54 |
| 200-Day Moving Average | 34.12 |
| Relative Strength Index (RSI) | 50.84 |
| Average Volume (30 Days) | 785,748 |
Short Selling Information
The latest short interest is 3.55 million, so 7.19% of the outstanding shares have been sold short.
| Short Interest | 3.55M |
| Short Previous Month | 4.19M |
| Short % of Shares Out | 7.19% |
| Short % of Float | 7.23% |
| Short Ratio (days to cover) | 3.93 |
Income Statement
In the last 12 months, BFH had revenue of $3.06 billion and earned $718.00 million in profits. Earnings per share was $14.34.
| Revenue | 3.06B |
| Gross Profit | 3.06B |
| Operating Income | 968.00M |
| Pretax Income | 949.00M |
| Net Income | 718.00M |
| EBITDA | 1.07B |
| EBIT | 949.00M |
| Earnings Per Share (EPS) | $14.34 |
Balance Sheet
The company has $3.59 billion in cash and $5.29 billion in debt, giving a net cash position of -$1.70 billion or -$34.44 per share.
| Cash & Cash Equivalents | 3.59B |
| Total Debt | 5.29B |
| Net Cash | -1.70B |
| Net Cash Per Share | -$34.44 |
| Equity / Book Value | 2.92B |
| Book Value Per Share | 59.04 |
| Working Capital | n/a |
Cash Flow
In the last 12 months, operating cash flow was $1.99 billion and capital expenditures -$48.00 million, giving a free cash flow of $1.94 billion.
| Operating Cash Flow | 1.99B |
| Capital Expenditures | -48.00M |
| Free Cash Flow | 1.94B |
| FCF Per Share | $38.94 |
Margins
Gross margin is 100.00%, with operating and profit margins of 31.63% and 23.46%.
| Gross Margin | 100.00% |
| Operating Margin | 31.63% |
| Pretax Margin | 31.01% |
| Profit Margin | 23.46% |
| EBITDA Margin | 34.80% |
| EBIT Margin | 31.01% |
| FCF Margin | 63.37% |
Dividends & Yields
This stock pays an annual dividend of $0.84, which amounts to a dividend yield of 2.37%.
| Dividend Per Share | $0.84 |
| Dividend Yield | 2.37% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | 5.86% |
| Buyback Yield | 0.20% |
| Shareholder Yield | 2.56% |
| Earnings Yield | 40.89% |
| FCF Yield | 110.42% |
Analyst Forecast
The average price target for BFH is $35.30, which is -0.28% lower than the current price. The consensus rating is "Hold".
| Price Target | $35.30 |
| Price Target Difference | -0.28% |
| Analyst Consensus | Hold |
| Analyst Count | 11 |
| Revenue Growth Forecast (5Y) | n/a |
| EPS Growth Forecast (5Y) | -22.97% |
Stock Splits
The last stock split was on November 8, 2021. It was a forward split with a ratio of 1253:1000.
| Last Split Date | Nov 8, 2021 |
| Split Type | Forward |
| Split Ratio | 1253:1000 |
Scores
| Altman Z-Score | n/a |
| Piotroski F-Score | 6 |