Bread Financial Holdings Statistics
Total Valuation
BFH has a market cap or net worth of $2.07 billion. The enterprise value is $2.93 billion.
| Market Cap | 2.07B |
| Enterprise Value | 2.93B |
Important Dates
The last earnings date was Thursday, April 25, 2024, before market open.
| Earnings Date | Apr 25, 2024 |
| Ex-Dividend Date | May 9, 2024 |
Share Statistics
BFH has 49.58 million shares outstanding. The number of shares has decreased by -0.80% in one year.
| Shares Outstanding | 49.58M |
| Shares Change (YoY) | -0.80% |
| Shares Change (QoQ) | +0.61% |
| Owned by Insiders (%) | 0.65% |
| Owned by Institutions (%) | 104.67% |
| Float | 49.26M |
Valuation Ratios
The trailing PE ratio is 5.22 and the forward PE ratio is 8.25. BFH's PEG ratio is 0.26.
| PE Ratio | 5.22 |
| Forward PE | 8.25 |
| PS Ratio | 0.81 |
| Forward PS | 0.54 |
| PB Ratio | 0.68 |
| P/FCF Ratio | 1.04 |
| PEG Ratio | 0.26 |
Enterprise Valuation
The stock's EV/EBITDA ratio is 4.86, with an EV/FCF ratio of 1.48.
| EV / Earnings | 7.39 |
| EV / Sales | 1.15 |
| EV / EBITDA | 4.86 |
| EV / EBIT | 5.89 |
| EV / FCF | 1.48 |
Financial Position
| Current Ratio | n/a |
| Quick Ratio | n/a |
| Debt / Equity | 1.53 |
| Debt / EBITDA | 7.73 |
| Debt / FCF | 2.35 |
| Interest Coverage | n/a |
Financial Efficiency
Return on equity (ROE) is 13.70% and return on invested capital (ROIC) is 5.36%.
| Return on Equity (ROE) | 13.70% |
| Return on Assets (ROA) | 1.80% |
| Return on Capital (ROIC) | 5.36% |
| Revenue Per Employee | $363,857 |
| Profits Per Employee | $56,571 |
| Employee Count | 7,000 |
| Asset Turnover | 0.12 |
| Inventory Turnover | n/a |
Taxes
In the past 12 months, BFH has paid $101.00 million in taxes.
| Income Tax | 101.00M |
| Effective Tax Rate | 20.32% |
Stock Price Statistics
The stock price has increased by +39.28% in the last 52 weeks. The beta is 1.95, so BFH's price volatility has been higher than the market average.
| Beta (1Y) | 1.95 |
| 52-Week Price Change | +39.28% |
| 50-Day Moving Average | 37.39 |
| 200-Day Moving Average | 34.33 |
| Relative Strength Index (RSI) | 62.95 |
| Average Volume (30 Days) | 838,943 |
Short Selling Information
The latest short interest is 3.54 million, so 7.14% of the outstanding shares have been sold short.
| Short Interest | 3.54M |
| Short Previous Month | 3.55M |
| Short % of Shares Out | 7.14% |
| Short % of Float | 7.19% |
| Short Ratio (days to cover) | 4.61 |
Income Statement
In the last 12 months, BFH had revenue of $2.55 billion and earned $396.00 million in profits. Earnings per share was $7.97.
| Revenue | 2.55B |
| Gross Profit | 2.55B |
| Operating Income | 517.00M |
| Pretax Income | 497.00M |
| Net Income | 396.00M |
| EBITDA | 602.00M |
| EBIT | 497.00M |
| Earnings Per Share (EPS) | $7.97 |
Balance Sheet
The company has $3.79 billion in cash and $4.65 billion in debt, giving a net cash position of -$863.00 million or -$17.40 per share.
| Cash & Cash Equivalents | 3.79B |
| Total Debt | 4.65B |
| Net Cash | -863.00M |
| Net Cash Per Share | -$17.40 |
| Equity / Book Value | 3.03B |
| Book Value Per Share | 61.15 |
| Working Capital | n/a |
Cash Flow
In the last 12 months, operating cash flow was $2.04 billion and capital expenditures -$54.00 million, giving a free cash flow of $1.98 billion.
| Operating Cash Flow | 2.04B |
| Capital Expenditures | -54.00M |
| Free Cash Flow | 1.98B |
| FCF Per Share | $40.04 |
Margins
Gross margin is 100.00%, with operating and profit margins of 20.30% and 15.55%.
| Gross Margin | 100.00% |
| Operating Margin | 20.30% |
| Pretax Margin | 19.51% |
| Profit Margin | 15.55% |
| EBITDA Margin | 23.64% |
| EBIT Margin | 19.51% |
| FCF Margin | 77.82% |
Dividends & Yields
This stock pays an annual dividend of $0.84, which amounts to a dividend yield of 2.01%.
| Dividend Per Share | $0.84 |
| Dividend Yield | 2.01% |
| Dividend Growth (YoY) | n/a |
| Years of Dividend Growth | n/a |
| Payout Ratio | 10.54% |
| Buyback Yield | 0.80% |
| Shareholder Yield | 2.82% |
| Earnings Yield | 19.19% |
| FCF Yield | 96.04% |
Analyst Forecast
The average price target for BFH is $38.27, which is -8.41% lower than the current price. The consensus rating is "Hold".
| Price Target | $38.27 |
| Price Target Difference | -8.41% |
| Analyst Consensus | Hold |
| Analyst Count | 13 |
| Revenue Growth Forecast (5Y) | 8.77% |
| EPS Growth Forecast (5Y) | -14.02% |
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 | 5 |