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