Bread Financial Statements From 2010 to 2026

Stocks . USA . 
Stock . Bread Financial Holdings
BFH Stock  USD 79.30  6.11  8.35%   
Bread Financial's financial statements offer valuable quarterly and annual insights to potential investors, highlighting the company's current and historical financial position, overall management performance, and changes in financial standing over time. Key fundamentals influencing Bread Financial's valuation are provided below:
Gross Profit
2.6 B
Profit Margin
0.199
Market Capitalization
3.3 B
Enterprise Value Revenue
1.7854
Revenue
2.6 B
We have found one hundred twenty available fundamental signals for Bread Financial Holdings, which can be analyzed and compared to other ratios and to its rivals. Traders should compare all of Bread Financial Holdings prevailing fundamentals against the fundamentals between 2010 and 2026 to make sure the company is sustainable this year. The current Market Cap is estimated to decrease to about 1.3 B. Enterprise Value is estimated to decrease to about 1.1 B

Bread Financial Total Revenue

3.35 Billion

Check Bread Financial financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Bread Financial's main balance sheet or income statement drivers, such as Depreciation And Amortization of 76 M, Total Revenue of 3.4 B or Gross Profit of 3.1 B, as well as many indicators such as Price To Sales Ratio of 0.67, Dividend Yield of 0.0136 or PTB Ratio of 0.95. Bread financial statements analysis is a perfect complement when working with Bread Financial Valuation or Volatility modules.
  
Build AI portfolio with Bread Stock
Check out the analysis of Bread Financial Correlation against competitors.

Bread Financial Balance Sheet

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Total Assets14.4 B22.7 B20.2 B
Slightly volatile
Total Stockholder Equity3.5 B3.3 B1.9 B
Slightly volatile
Cash3.8 B3.6 B2.5 B
Slightly volatile
Non Current Assets Total19.7 B18.7 B7.6 B
Slightly volatile
Other Assets1.2 B1.2 B3 B
Slightly volatile
Cash And Short Term Investments4 B3.8 B2.6 B
Slightly volatile
Common Stock Shares Outstanding48.5 M46 M54 M
Slightly volatile
Liabilities And Stockholders Equity14.4 B22.7 B20.2 B
Slightly volatile
Non Current Liabilities Total7.8 B4.7 B11.2 B
Very volatile
Total Liabilities13 B19.3 B18.4 B
Slightly volatile
Total Current Assets3.7 B3.9 B12 B
Pretty Stable
Good Will692.6 M729.1 M1.6 B
Slightly volatile
Short and Long Term Debt Total7.6 B4.4 B10.5 B
Pretty Stable
Total Current Liabilities15.4 B14.7 B7.7 B
Slightly volatile
Property Plant And Equipment Net288.2 M180 M324.6 M
Pretty Stable
Accounts Payable275.8 M289 M345.5 M
Pretty Stable
Net Receivables140.6 M148 M7.7 B
Slightly volatile
Other Current Assets22.8 M24 M463.2 M
Slightly volatile
Short Term Debt14.6 B13.9 B3.5 B
Slightly volatile
Intangible Assets77.9 M82 M439.1 M
Slightly volatile
Other Liabilities758.2 M431.1 M884.8 M
Slightly volatile
Short Term Investments256.6 M171 M277.4 M
Very volatile
Property Plant Equipment111.2 M117 M405.6 M
Slightly volatile
Long Term Debt6.9 B4.3 B10.4 B
Slightly volatile
Long Term Debt Total4.1 B4.3 B11.5 B
Slightly volatile
Capital Surpluse2.1 B1.9 B2.8 B
Slightly volatile
Cash And Equivalents3.8 B3.6 B2.9 B
Slightly volatile
Net Invested Capital8.2 B7.6 B12.7 B
Slightly volatile
Non Current Liabilities Other3.6 B2.9 B4.7 B
Slightly volatile
Net Working Capital8.6 B7.3 B11.1 B
Slightly volatile
Capital Lease Obligations141.9 M85 M247.8 M
Slightly volatile
Property Plant And Equipment Gross303.1 M180 M313.8 M
Slightly volatile
Deferred Long Term Liabilities373.6 M395.6 M328.6 M
Slightly volatile
Long Term Investments271.1 M284 M235.3 M
Slightly volatile
Common Stock Total Equity800 K900 K982.4 K
Slightly volatile

Bread Financial Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization76 M80 M230.2 M
Slightly volatile
Total Revenue3.4 B4.7 B4.2 B
Very volatile
Gross Profit3.1 B3 B2.1 B
Slightly volatile
Other Operating Expenses2.4 B4.1 B3 B
Very volatile
Operating Income758.3 M614 M1 B
Very volatile
EBIT594.8 M614 M789.3 M
Slightly volatile
EBITDA792.1 M694 M1 B
Pretty Stable
Income Before Tax521.1 M614 M686.5 M
Very volatile
Cost Of Revenue2.1 B1.7 B2.4 B
Pretty Stable
Interest Expense896.7 M854 M412.1 M
Slightly volatile
Selling General Administrative1.2 B1.2 B472.1 M
Slightly volatile
Selling And Marketing Expenses143.4 M151 M677.4 M
Slightly volatile
Research Development24 M27 M29.5 M
Slightly volatile
Net Income Applicable To Common Shares418.6 M518 M525.4 M
Pretty Stable
Tax Provision151.1 M94 M232.7 M
Slightly volatile
Interest Income3.5 B4.9 B2.3 B
Slightly volatile
Net Income From Continuing Ops438.9 M521 M737.2 M
Slightly volatile
Reconciled Depreciation144.2 M80 M322.6 M
Slightly volatile

Bread Financial Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Free Cash Flow1.1 B2.1 B1.5 B
Slightly volatile
Depreciation76 M80 M230.2 M
Slightly volatile
Total Cash From Operating Activities1.2 B2.1 B1.6 B
Slightly volatile
End Period Cash Flow3.8 B3.6 B2.6 B
Slightly volatile
Begin Period Cash Flow3.9 B3.7 B2.4 B
Slightly volatile
Stock Based Compensation53.1 M56 M54.1 M
Pretty Stable
Dividends Paid39.9 M42 M2 B
Slightly volatile
Change To Netincome1.2 B1.7 B1.1 B
Slightly volatile
Cash And Cash Equivalents Changes368 M414 M451.9 M
Slightly volatile
Cash Flows Other Operating32.8 M36.9 M40.3 M
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio0.670.70741.2737
Slightly volatile
Dividend Yield0.01360.01260.0118
Slightly volatile
PTB Ratio0.950.99915.0888
Slightly volatile
Days Sales Outstanding10.9211.4961640
Slightly volatile
Book Value Per Share77.874.09838.0825
Slightly volatile
Free Cash Flow Yield0.660.62940.4039
Slightly volatile
Operating Cash Flow Per Share48.9246.592432.3847
Slightly volatile
Stock Based Compensation To Revenue0.0160.01190.0118
Very volatile
Capex To Depreciation0.580.690.5309
Slightly volatile
PB Ratio0.950.99915.0888
Slightly volatile
EV To Sales0.830.87532.4027
Slightly volatile
Free Cash Flow Per Share48.9246.592430.5795
Slightly volatile
ROIC0.04660.06540.0544
Very volatile
Inventory Turnover16.6918.016.4235
Slightly volatile
Days Of Inventory On Hand19.6620.9922.4605
Pretty Stable
Payables Turnover10.855.96198.3137
Slightly volatile
Sales General And Administrative To Revenue0.260.24690.1128
Slightly volatile
Capex To Revenue0.0170.01790.0274
Slightly volatile
Cash Per Share88.2884.075750.7985
Slightly volatile
POCF Ratio1.511.58896.6688
Slightly volatile
Interest Coverage0.680.7194.4406
Slightly volatile
Payout Ratio0.0770.08110.1202
Pretty Stable
Capex To Operating Cash Flow0.04020.04230.0928
Slightly volatile
PFCF Ratio1.511.58897.069
Slightly volatile
Days Payables Outstanding34.2661.221749.2335
Slightly volatile
EV To Operating Cash Flow1.871.9669.6385
Slightly volatile
EV To Free Cash Flow1.871.96610.377
Slightly volatile
Intangibles To Total Assets0.030.03160.1194
Slightly volatile
Current Ratio0.260.26881.3919
Slightly volatile
Receivables Turnover33.3431.7511.5065
Slightly volatile
Graham Number14613984.7976
Slightly volatile
Shareholders Equity Per Share77.874.09837.6777
Slightly volatile
Debt To Equity1.251.32045.4272
Slightly volatile
Capex Per Share1.41.232.1611
Slightly volatile
Revenue Per Share11010585.8239
Slightly volatile
Interest Debt Per Share83.39117156
Pretty Stable
Debt To Assets0.260.19380.3807
Slightly volatile
Enterprise Value Over EBITDA5.635.926411.5438
Slightly volatile
Short Term Coverage Ratios0.420.453.6319
Slightly volatile
Operating Cycle10.9211.4961648
Slightly volatile
Price Book Value Ratio0.950.99915.0888
Slightly volatile
Days Of Payables Outstanding34.2661.221749.2335
Slightly volatile
Dividend Payout Ratio0.0770.08110.1202
Pretty Stable
Price To Operating Cash Flows Ratio1.511.58896.6688
Slightly volatile
Price To Free Cash Flows Ratio1.511.58897.069
Slightly volatile
Pretax Profit Margin0.10.13070.1499
Very volatile
Operating Profit Margin0.140.13070.2085
Pretty Stable
Company Equity Multiplier6.476.811814.0766
Slightly volatile
Long Term Debt To Capitalization0.510.56420.7577
Slightly volatile
Total Debt To Capitalization0.550.5690.7809
Slightly volatile
Return On Capital Employed0.07570.0770.085
Pretty Stable
Debt Equity Ratio1.251.32045.4272
Slightly volatile
Ebit Per Revenue0.140.13070.2085
Pretty Stable
Quick Ratio0.260.26881.3836
Slightly volatile
Dividend Paid And Capex Coverage Ratio52.349.809518.6944
Slightly volatile
Cash Ratio0.160.24540.2346
Slightly volatile
Operating Cash Flow Sales Ratio0.240.44520.3488
Slightly volatile
Days Of Inventory Outstanding19.6620.9922.4605
Pretty Stable
Days Of Sales Outstanding10.9211.4961640
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.660.870.8844
Pretty Stable
Cash Flow Coverage Ratios0.350.47620.2396
Slightly volatile
Price To Book Ratio0.950.99915.0888
Slightly volatile
Fixed Asset Turnover27.4126.105614.6948
Slightly volatile
Capital Expenditure Coverage Ratio25.6824.4616.4322
Slightly volatile
Price Cash Flow Ratio1.511.58896.6688
Slightly volatile
Enterprise Value Multiple5.635.926411.5438
Slightly volatile
Debt Ratio0.260.19380.3807
Slightly volatile
Cash Flow To Debt Ratio0.350.47620.2396
Slightly volatile
Price Sales Ratio0.670.70741.2737
Slightly volatile
Asset Turnover0.370.20730.2447
Slightly volatile
Gross Profit Margin0.660.63330.4711
Slightly volatile
Price Fair Value0.950.99915.0888
Slightly volatile

Bread Financial Valuation Data

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Market Cap1.3 B1.7 B2.7 B
Slightly volatile
Enterprise Value1.1 B1.8 B1.9 B
Very volatile

Bread Fundamental Market Drivers

Forward Price Earnings6.5445
Cash And Short Term Investments3.8 B

Bread Upcoming Events

25th of April 2024
Upcoming Quarterly Report
View
25th of July 2024
Next Financial Report
View
31st of March 2024
Next Fiscal Quarter End
View
23rd of January 2025
Next Fiscal Year End
View
31st of December 2023
Last Quarter Report
View
31st of December 2023
Last Financial Announcement
View

About Bread Financial Financial Statements

Investors use fundamental indicators, such as Bread Financial's revenue or net income, to determine how well the company is positioned to perform in the future. Although Bread Financial's investors may analyze each financial statement separately, they are all interrelated. Understanding these patterns can help investors make the right trading decisions.
Last ReportedProjected for Next Year
Current Deferred Revenue124.2 M176.9 M
Total Revenue4.7 B3.4 B
Cost Of Revenue1.7 B2.1 B
Stock Based Compensation To Revenue 0.01  0.02 
Sales General And Administrative To Revenue 0.25  0.26 
Capex To Revenue 0.02  0.02 
Revenue Per Share 104.65  109.89 
Ebit Per Revenue 0.13  0.14 

Currently Active Assets on Macroaxis

FSLYFastly Class A
MOBMobilicom Limited American
CMGChipotle Mexican Grill
CSANCosan SA ADR
RKTRocket Companies
When determining whether Bread Financial Holdings offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Bread Financial's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Bread Financial Holdings Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Bread Financial Holdings Stock:
How To Invest In Bread
Details
Is Bread Stock a good investment?
Details
What is Bread Financial's Net Worth?
Details
Largest Consumer Finance Companies
View
Largest Financial Services Companies
View
Check out the analysis of Bread Financial Correlation against competitors.
You can also try the Aroon Oscillator module to analyze current equity momentum using Aroon Oscillator and other momentum ratios.
Is there potential for Consumer Finance market expansion? Will Bread introduce new products? Factors like these will boost the valuation of Bread Financial. Projected growth potential of Bread fundamentally drives upward valuation adjustments. Understanding fair value requires weighing current performance against future potential. All the valuation information about Bread Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
7.349
Dividend Share
0.86
Earnings Share
11.21
Revenue Per Share
55.62
Quarterly Revenue Growth
0.185
Investors evaluate Bread Financial Holdings using market value (trading price) and book value (balance sheet equity), each telling a different story. Calculating Bread Financial's intrinsic value - the estimated true worth - helps identify when the stock trades at a discount or premium to fair value. Analysts utilize numerous techniques to assess fundamental value, seeking to purchase shares when trading prices fall beneath estimated intrinsic worth. External factors like market trends, sector rotation, and investor psychology can cause Bread Financial's market price to deviate significantly from intrinsic value.
Altman
Z Score
Details
Piotroski
F Score
Details
Beneish
M Score
Details
Financial
Analysis
Details
Buy or Sell
Advice
Details
Earnings
Projections
Details
It's important to distinguish between Bread Financial's intrinsic value and market price, which are calculated using different methodologies. Investment decisions regarding Bread Financial should consider multiple factors including financial performance, growth metrics, competitive position, and professional analysis. Conversely, Bread Financial's market price signifies the transaction level at which participants voluntarily complete trades.
Macroaxis helps investors of all levels and skills to maximize the upside of all their holdings and minimize the risk associated with market volatility, economic swings, and company-specific events. View terms and conditions
 
Feedback Blog
Made with optimal in San Francisco
2026 Macroaxis LLC
COMMON DESTINATIONS
MAIN CATEGORIES
COMPANY