Stock BFH BREAD FINANCIAL HOLDINGS, INC.
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Financials Bread Financial Holdings, Inc.

Equities

BFH

US0185811082

Consumer Lending

Market Closed - Nyse
Other stock markets
 04:00:01 2024-04-26 pm EDT 		5-day change 1st Jan Change
36.97 USD +0.87% Intraday chart for Bread Financial Holdings, Inc. +7.22% +12.23%
Apr. 25 Bread Financial Holdings Delinquency Rate Rises in March MT
Apr. 25 Transcript : Bread Financial Holdings, Inc., Q1 2024 Earnings Call, Apr 25, 2024

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 5,168 3,677 3,314 1,877 1,625 1,832 - -
Enterprise Value (EV) 1 11,427 9,111 3,314 5,993 1,625 16,139 15,850 15,832
P/E ratio 18.4 x 16.6 x 4.16 x 8.44 x 2.3 x 6.39 x 5.08 x 4.23 x
Yield 2.25% 1.7% 1.26% 2.23% 2.55% 2.27% 2.33% 2.56%
Capitalization / Revenue 0.93 x 0.81 x 0.91 x 0.49 x 0.38 x 0.49 x 0.47 x 0.46 x
EV / Revenue 2.05 x 2.02 x 0.91 x 1.57 x 0.38 x 4.31 x 4.11 x 3.98 x
EV / EBITDA 8.99 x 7.88 x 2.18 x - 1.5 x 28.4 x 33.5 x 27 x
EV / FCF 10.6 x 4.98 x 2.27 x 3.37 x - -197 x 1,219 x 74.3 x
FCF Yield 9.41% 20.1% 44% 29.7% - -0.51% 0.08% 1.35%
Price to Book 3.36 x 2.42 x 1.59 x 0.83 x 0.56 x 0.58 x 0.52 x 0.47 x
Nbr of stocks (in thousands) 46,056 49,623 49,785 49,853 49,331 49,560 - -
Reference price 2 112.2 74.10 66.57 37.66 32.94 36.97 36.97 36.97
Announcement Date 1/30/20 1/28/21 1/27/22 1/26/23 1/25/24 - - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 5,581 4,521 3,655 3,826 4,289 3,745 3,859 3,982
EBITDA 1 1,271 1,157 1,519 - 1,084 569.1 473.2 586.9
EBIT 1 1,307 888.4 1,427 1,894 2,197 1,835 1,901 2,073
Operating Margin 23.42% 19.65% 39.04% 49.5% 51.22% 48.98% 49.26% 52.05%
Earnings before Tax (EBT) 1 738.4 394.5 1,044 300 968 366 474.2 602.4
Net income 1 310.9 213.7 801 223 718 274.8 344.2 432.4
Net margin 5.57% 4.73% 21.92% 5.83% 16.74% 7.34% 8.92% 10.86%
EPS 2 6.100 4.460 16.02 4.460 14.34 5.793 7.242 8.730
Free Cash Flow 1 1,075 1,829 1,459 1,780 - -82 13 213
FCF margin 19.27% 40.45% 39.92% 46.52% - -2.19% 0.34% 5.35%
FCF Conversion (EBITDA) 84.59% 158.07% 96.05% - - - 2.75% 36.29%
FCF Conversion (Net income) 345.9% 855.73% 182.15% 798.21% - - 3.78% 49.26%
Dividend per Share 2 2.520 1.260 0.8400 0.8400 0.8400 0.8400 0.8611 0.9475
Announcement Date 1/30/20 1/28/21 1/27/22 1/26/23 1/25/24 - - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1
Net sales 1 1,099 939 921 893 979 1,033 1,289 952 1,031 1,017 991 902.9 913.3 905.9 947.7
EBITDA 1 423.1 171 523 - - - 779 - - 42 532 76 21 -117 -
EBIT 1 382.8 149 495 420 493 485 745 422 529 501 509 402.3 434.8 384.4 447.6
Operating Margin 34.82% 15.87% 53.75% 47.03% 50.36% 46.95% 57.8% 44.33% 51.31% 49.26% 51.36% 44.56% 47.61% 42.43% 47.23%
Earnings before Tax (EBT) 1 290.7 65 302 16 189 -207 638 86 225 19 188 113.9 141.2 -22.8 114.9
Net income 1 223.7 70 210 12 134 -134 455 48 171 43 134 76.6 103.2 -17.2 78.4
Net margin 20.35% 7.45% 22.8% 1.34% 13.69% -12.97% 35.3% 5.04% 16.59% 4.23% 13.52% 8.48% 11.29% -1.9% 8.27%
EPS 2 4.470 0.3400 4.200 0.2500 2.690 -2.680 9.080 0.9500 3.420 0.8700 2.700 1.528 2.194 -0.3500 1.840
Dividend per Share 2 0.2100 0.2100 0.2100 0.2100 0.2100 0.2100 0.2100 0.2100 0.2100 0.2100 0.2100 0.2100 0.2100 0.2100 0.2100
Announcement Date 10/28/21 1/27/22 4/28/22 7/28/22 10/27/22 1/26/23 4/27/23 7/27/23 10/26/23 1/25/24 4/25/24 - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt 1 6,260 5,434 - 4,116 - 14,307 14,018 14,000
Net Cash position 1 - - - - - - - -
Leverage (Debt/EBITDA) 4.924 x 4.697 x - - - 25.14 x 29.62 x 23.85 x
Free Cash Flow 1 1,075 1,829 1,459 1,780 - -82 13 213
ROE (net income / shareholders' equity) 15.7% 28.9% 40.7% 9.8% 27.1% 9.14% 10.3% 11.1%
ROA (Net income/ Total Assets) 1.09% 0.87% 3.6% 1% 3.3% 1.22% 1.42% 1.56%
Assets 1 28,442 24,521 22,250 22,300 21,758 22,635 24,446 27,659
Book Value Per Share 2 33.40 30.60 41.80 45.40 58.60 64.00 71.20 77.80
Cash Flow per Share 23.90 39.30 - 37.00 - - - -
Capex 1 142 54 84 68 - 100 98 98
Capex / Sales 2.55% 1.19% 2.3% 1.78% - 2.67% 2.54% 2.46%
Announcement Date 1/30/20 1/28/21 1/27/22 1/26/23 1/25/24 - - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Bread Financial Holdings, Inc.

Trading Rating
Investor Rating
ESG Refinitiv
B
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
HOLD
Number of Analysts
16
Last Close Price
36.97 USD
Average target price
37.21 USD
Spread / Average Target
+0.66%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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