Bread Financial Holdings, Inc. (BFH)

Bread Financial Holdings Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Year Ending	Current	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Market Capitalization	2,514	1,625	1,877	3,314	3,536	5,168
Market Cap Growth	21.13%	-13.45%	-43.35%	-6.28%	-31.57%	-36.79%
Enterprise Value	3,377	3,327	5,993	7,707	-5,520	-6,551
PE Ratio	6.36	2.26	8.42	4.14	16.52	18.59
PS Ratio	0.99	0.53	0.84	1.22	1.74	1.81
PB Ratio	0.83	0.56	0.83	1.59	2.32	3.25
P/FCF Ratio	1.27	0.84	1.06	2.27	1.93	4.80
P/OCF Ratio	1.23	0.82	1.02	2.15	1.88	4.24
EV/Sales Ratio	1.33	1.09	2.69	2.83	-2.72	-2.29
EV/EBITDA Ratio	5.61	3.12	14.55	6.58	-11.24	-9.59
EV/EBIT Ratio	6.80	3.51	20.05	7.35	-17.98	-15.09
EV/FCF Ratio	1.70	1.72	3.37	5.27	-3.02	-6.09
Debt / Equity Ratio	1.53	1.81	3.54	3.57	5.60	6.58
Debt / EBITDA Ratio	7.73	4.97	19.43	6.35	17.34	15.30
Debt / FCF Ratio	2.35	2.73	4.51	5.08	4.66	9.71
Quick Ratio	-	-	-	-	1.69	1.94
Current Ratio	-	-	-	-	1.88	2.03
Asset Turnover	0.12	0.14	0.10	0.13	0.09	0.10
Return on Equity (ROE)	13.70%	25.60%	9.70%	39.30%	16.80%	14.40%
Return on Assets (ROA)	1.80%	3.30%	1.00%	3.70%	0.90%	1.00%
Return on Capital (ROIC)	5.36%	8.92%	2.18%	8.38%	2.09%	3.52%
Earnings Yield	15.75%	44.19%	11.88%	24.17%	6.05%	5.38%
FCF Yield	78.83%	119.33%	94.60%	44.14%	51.72%	20.82%
Dividend Yield	1.66%	2.60%	2.20%	1.30%	1.70%	2.20%
Payout Ratio	10.54%	5.80%	18.80%	5.20%	28.20%	46.80%
Buyback Yield / Dilution	0.80%	0.20%	-0.40%	-4.38%	5.89%	7.62%
Total Shareholder Return	2.45%	2.80%	1.80%	-3.08%	7.59%	9.82%

Source: Financials are provided by Nasdaq Data Link and sourced from the audited annual (10-K) and quarterly (10-Q) reports submitted to the Securities and Exchange Commission (SEC).