Bread Financial Holdings, Inc. BFH
102.91
1.35
1.33%
as of 25 Sep
- Market cap
- $3.9B
- P/E
- 8.0×
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| Dec '16 | Dec '17 | Dec '18 | Dec '19 | Dec '20 | Dec '21 | Dec '22 | Dec '23 | Dec '24 | Dec '25 | |
|---|---|---|---|---|---|---|---|---|---|---|
P/E ratio |
25.34 | 14.35 | 6.81 | 14.90 | 13.20 | 4.13 | 8.49 | 2.30 | 10.92 | 6.77 |
P/S ratio |
1.53 | 2.07 | 1.16 | 0.96 | 0.74 | 0.91 | 0.44 | 0.33 | 0.63 | 0.74 |
P/FCF ratio |
5.68 | 4.78 | 2.57 | 4.16 | 1.55 | 2.26 | 1.07 | 0.85 | 1.66 | 1.68 |
P/Operating CF |
14.11 | 13.51 | 9.01 | (14.34) | 7.17 | 9.88 | 3.81 | 2.66 | 6.32 | 6.10 |
P/B ratio |
6.57 | 6.12 | 2.82 | 2.82 | 1.86 | 1.59 | 0.84 | 0.56 | 0.99 | 1.04 |
Price to Tangible BV |
0.00 | 0.00 | 5.67 | 9.33 | 3.49 | 2.36 | 1.29 | 0.76 | 1.31 | 1.33 |
EV/Sales |
4.20 | 6.02 | 4.93 | 4.88 | 2.25 | 2.11 | 1.39 | (2.77) | (2.45) | (2.67) |
EV/EBITDA |
16.55 | 16.01 | 12.19 | 5.45 | 2.64 | 2.60 | 1.73 | 0.00 | 0.00 | 0.00 |
EV/Operating CF |
14.10 | 12.69 | 10.14 | 18.79 | 4.54 | 4.99 | 3.25 | (6.87) | (6.32) | (5.99) |
EV/FCF |
15.62 | 13.89 | 10.93 | 21.27 | 4.67 | 5.26 | 3.38 | (7.04) | (6.44) | (6.06) |
Quick Ratio |
1.98 | 2.22 | 1.83 | 1.91 | 1.13 | 1.13 | 1.14 | 2.15 | 1.15 | 1.17 |
Current Ratio |
2.12 | 2.43 | 2.15 | 2.03 | 1.13 | 1.13 | 1.14 | 1.18 | 1.15 | 1.17 |
Net Debt/EBITDA |
10.53 | 10.50 | 9.32 | 4.38 | 1.77 | 1.48 | 1.18 | (3.59) | (3.82) | (4.25) |
Debt/Assets |
82.11% | 84.14% | 82.83% | 84.11% | 37.77% | 34.21% | 31.51% | 22.87% | 24.28% | 19.01% |
Debt/Equity |
12.63 | 13.92 | 10.79 | 14.03 | 5.60 | 3.57 | 3.54 | 1.81 | 1.82 | 1.29 |
Asset Turnover |
0.30 | 0.19 | 0.19 | 0.16 | 0.15 | 0.16 | 0.18 | 0.20 | 0.21 | 0.21 |
Operating CF/Net income |
4.12 | 3.30 | 2.86 | 4.53 | 8.80 | 1.93 | 8.29 | 2.77 | 6.71 | 4.04 |
Capex/Depreciation |
(0.38) | (0.42) | (0.37) | (0.27) | (0.18) | (0.35) | (0.32) | (0.21) | (0.18) | (0.14) |
Interest Coverage |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| 28.12% | 44.90% | 46.00% | 13.72% | 13.76% | 44.40% | 10.25% | 27.71% | 9.28% | 16.24% | |
| 2.16% | 2.81% | 3.15% | 0.95% | 0.87% | 3.62% | 0.95% | 2.96% | 1.20% | 2.27% | |
ROIC |
3.81% | 4.04% | 4.64% | 11.46% | 25.36% | 26.35% | 31.90% | 0.00% | 0.00% | 0.00% |
Return on Tangible Assets |
4.71% | 5.20% | 7.13% | 2.15% | 9.38% | 34.11% | 7.32% | 22.13% | 9.77% | 16.81% |
Average Days of Receivables |
838.25 | 1,221.19 | 1,109.23 | 1,459.31 | 1,420.40 | 1,558.84 | 1,593.64 | 1,256.95 | 0.00 | 0.00 |
Research and Development Expense of Revenue |
0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
Selling, General and Administrative Expense of Revenue |
2.01% | 2.91% | 2.87% | 19.75% | 19.81% | 22.80% | 22.15% | 20.82% | 21.81% | 21.93% |
Intangible Assets out of Total Assets |
0.19 | 0.15 | 0.04 | 0.04 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 | 0.03 |
Share Based Compensation of Revenue |
1.07% | 1.37% | 1.43% | 1.17% | 0.55% | 0.80% | 0.76% | 0.89% | 1.13% | 1.19% |
Graham Net Nets |
(0.39) | (0.36) | (0.51) | (0.18) | (1.22) | (0.32) | (0.18) | 0.23 | 0.16 | 0.28 |
Graham Number |
68.36 | 103.16 | 129.66 | 65.54 | 56.65 | 123.31 | 67.57 | 137.50 | 87.96 | 132.22 |
Earnings Yield |
3.95% | 6.97% | 14.69% | 6.71% | 7.58% | 24.19% | 11.78% | 43.47% | 9.15% | 14.76% |
Free Cash Flow Yield |
17.62% | 20.91% | 38.86% | 24.03% | 64.70% | 44.22% | 93.81% | 118.02% | 60.19% | 59.69% |
Revenue per Share |
121.81 | 98.29 | 103.22 | 93.76 | 79.44 | 73.34 | 86.75 | 99.16 | 96.51 | 100.34 |
Operating CF per Share |
36.30 | 46.66 | 50.18 | 24.36 | 39.39 | 31.05 | 37.03 | 39.90 | 37.48 | 44.70 |
Capex per Share |
(3.53) | (4.05) | (3.64) | (2.84) | (1.13) | (1.61) | (1.44) | (0.96) | (0.73) | (0.51) |
Free Cash Flow per Share |
32.77 | 42.62 | 46.54 | 21.52 | 38.26 | 29.44 | 35.59 | 38.94 | 36.75 | 44.19 |
Cash per Share |
31.73 | 75.22 | 69.53 | 77.49 | 58.49 | 61.29 | 77.98 | 413.55 | 409.96 | 433.82 |
Shareholders Equity per Share |
28.30 | 33.31 | 42.48 | 31.77 | 31.84 | 41.97 | 45.39 | 58.59 | 61.51 | 71.09 |
Interest Debt per Share |
0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Book value per Share |
28.30 | 33.31 | 42.48 | 31.77 | 31.84 | 41.97 | 45.39 | 58.59 | 61.51 | 71.09 |
Free Cash Flow |
1,920.20 | 2,373.70 | 2,555.10 | 1,076.00 | 1,829.00 | 1,463.00 | 1,776.00 | 1,939.00 | 1,823.00 | 2,068.00 |
Working Capital |
10,359.80 | 14,558.90 | 13,227.70 | 12,240.70 | 2,069.00 | 2,133.00 | 2,851.00 | 3,077.00 | 2,694.00 | 2,965.00 |
Capital Expenditures |
(207.00) | (225.40) | (199.80) | (142.00) | (54.00) | (80.00) | (72.00) | (48.00) | (36.00) | (24.00) |
Net Current Asset Value |
(4,266.60) | (4,123.90) | (3,343.90) | (793.80) | (3,453.00) | (1,047.00) | (350.00) | 372.00 | 494.00 | 967.00 |
EV/EBIT |
23.70 | 21.73 | 15.89 | 6.24 | 2.91 | 2.82 | 1.85 | 0.00 | 0.00 | 0.00 |
Capex to Sales |
0.03 | 0.04 | 0.04 | 0.03 | 0.01 | 0.02 | 0.02 | 0.01 | 0.01 | 0.01 |
Net Profit Margin |
7.23% | 14.41% | 17.00% | 5.74% | 5.64% | 21.98% | 5.15% | 14.54% | 5.79% | 11.03% |
Price to Operating Income |
8.61 | 7.48 | 3.74 | 1.22 | 0.96 | 1.21 | 0.58 | 0.41 | 0.83 | 0.97 |
| Other line items | ||||||||||
Depreciation/Fixed assets |
0.93 | 0.88 | 1.86 | 1.89 | 1.38 | 1.07 | 1.14 | 1.40 | 1.43 | 1.46 |
Cash ROIC |
6.30% | 6.23% | 7.88% | 3.37% | 13.01% | 10.56% | 11.67% | 6.32% | 5.93% | 7.07% |
Accounts Receivable Turnover |
0.47 | 0.32 | 0.32 | 0.26 | 0.23 | 0.24 | 0.25 | 0.28 | 0.00 | 0.00 |
Accounts Payable Turnover |
8.46 | 4.05 | 4.46 | 7.05 | 7.04 | — | — | — | — | — |
Inventory Turnover |
17.13 | 9.77 | 10.53 | 11.91 | 11.59 | — | — | — | — | — |
Average Days of Payables |
48.50 | 96.25 | 69.94 | 39.58 | 54.10 | — | — | — | — | — |
Days of Inventory on Hand |
23.15 | 34.60 | 35.68 | 28.68 | 27.05 | — | — | — | — | — |
Average Receivables |
15,078.75 | 17,354.95 | 17,768.75 | 17,981.90 | 16,759.55 | 15,171.50 | 17,234.00 | 17,953.00 | — | — |
Average Payables |
505.35 | 609.75 | 568.70 | 393.50 | 314.40 | — | — | — | — | — |
Average Inventory |
249.65 | 252.70 | 241.05 | 233.00 | 191.00 | — | — | — | — | — |
Average Assets |
23,932.00 | 28,099.45 | 30,536.25 | 28,441.25 | 24,520.90 | 22,146.50 | 23,576.50 | 24,274.00 | 23,016.00 | 22,777.00 |
Average Common Equity |
1,834.10 | 1,756.75 | 2,093.70 | 1,960.20 | 1,555.15 | 1,804.00 | 2,175.50 | 2,591.50 | 2,984.50 | 3,189.00 |
Columns are period end dates