Bread Financial Statements From 2010 to 2026

Stocks . USA . 
Stock . Bread Financial Holdings
BFH Stock  USD 80.36  0.89  1.10%   
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
2.5 B
Profit Margin
0.1877
Market Capitalization
3.7 B
Enterprise Value Revenue
1.9635
Revenue
2.5 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

3.25 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 98.3 M, Total Revenue of 3.2 B or Gross Profit of 1.4 B, as well as many indicators such as Price To Sales Ratio of 0.69, Dividend Yield of 0.014 or PTB Ratio of 1.08. Bread financial statements analysis is a perfect complement when working with Bread Financial Valuation or Volatility modules.
  
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Check out the analysis of Bread Financial Correlation against competitors.

Bread Financial Balance Sheet

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Total Assets14.1 B26.3 B20.4 B
Slightly volatile
Total Stockholder Equity3.7 B3.5 B1.9 B
Slightly volatile
Cash4.4 B4.2 B2.6 B
Slightly volatile
Non Current Assets Total22.8 B21.7 B8 B
Slightly volatile
Other Assets22.1 B21.1 B5.4 B
Slightly volatile
Cash And Short Term Investments4.6 B4.4 B2.6 B
Slightly volatile
Common Stock Shares Outstanding49 M45.4 M54 M
Slightly volatile
Liabilities And Stockholders Equity14.1 B26.3 B20.4 B
Slightly volatile
Non Current Liabilities Total8.8 B7.1 B12.7 B
Very volatile
Total Liabilities12.7 B22.8 B18.6 B
Slightly volatile
Total Current Assets8.6 B4.6 B12.2 B
Very volatile
Good Will692.6 M729.1 M1.6 B
Slightly volatile
Short and Long Term Debt Total7.7 B6.5 B10.6 B
Pretty Stable
Total Current Liabilities16.5 B15.8 B6.9 B
Slightly volatile
Property Plant And Equipment Net291.8 M263.4 M329.8 M
Very volatile
Accounts Payable274.1 M374.9 M350.5 M
Slightly volatile
Net Receivables158.4 M166.8 M7.7 B
Slightly volatile
Intangible Assets95.8 M100.8 M441.3 M
Slightly volatile
Common Stock1 M1.1 M1 M
Slightly volatile
Other Liabilities758.2 M431.1 M884.8 M
Slightly volatile
Short Term Investments268.6 M153 M277.1 M
Very volatile
Property Plant Equipment302.6 M206.1 M422.1 M
Slightly volatile
Long Term Debt7.3 B5 B10.4 B
Slightly volatile
Long Term Debt Total2 B2.1 B11.2 B
Slightly volatile
Capital Surpluse2.2 B1.9 B2.8 B
Slightly volatile
Cash And Equivalents3.8 B4.2 B3 B
Slightly volatile
Net Invested Capital8.5 B7.7 B12.7 B
Slightly volatile
Capital Stock845.7 K900 K1.1 M
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 Obligations154.2 M115.2 M250.3 M
Slightly volatile
Property Plant And Equipment Gross453.3 M263.4 M327.5 M
Slightly volatile
Deferred Long Term Liabilities373.6 M395.6 M328.6 M
Slightly volatile
Long Term Investments262.9 M305.9 M236.1 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 Amortization98.3 M103.5 M232.9 M
Slightly volatile
Total Revenue3.2 B4.4 B4.1 B
Very volatile
Gross Profit1.4 B2.8 B2 B
Slightly volatile
Other Operating Expenses2.3 B4.4 B2.9 B
Very volatile
Operating Income304.8 M320.9 M966.3 M
Pretty Stable
EBIT1.6 B1.5 B904.2 M
Slightly volatile
EBITDA1.7 B1.6 B1.1 B
Slightly volatile
Income Before Tax515.4 M438.1 M675.9 M
Very volatile
Cost Of Revenue2.1 B1.6 B2.4 B
Pretty Stable
Interest Expense1.2 B1.1 B442.3 M
Slightly volatile
Selling General Administrative1.1 B1 B432 M
Slightly volatile
Selling And Marketing Expenses125.7 M132.3 M675.2 M
Slightly volatile
Research Development24 M27 M29.5 M
Slightly volatile
Net Income Applicable To Common Shares419 M249.3 M509.6 M
Slightly volatile
Tax Provision159.5 M91.8 M233.1 M
Slightly volatile
Interest Income3.3 B5.8 B2.3 B
Slightly volatile
Net Income From Continuing Ops442 M251.1 M721.5 M
Slightly volatile
Reconciled Depreciation155.7 M81 M323.4 M
Slightly volatile

Bread Financial Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Free Cash Flow2.2 B2.1 B1.6 B
Slightly volatile
Depreciation98.3 M103.5 M232.9 M
Slightly volatile
Total Cash From Operating Activities1.1 B2.1 B1.6 B
Slightly volatile
End Period Cash Flow4.5 B4.3 B2.7 B
Slightly volatile
Begin Period Cash Flow4.4 B4.2 B2.5 B
Slightly volatile
Stock Based Compensation52.8 M62.1 M54.4 M
Very volatile
Dividends Paid36.8 M38.7 M2 B
Slightly volatile
Change To Netincome1.2 B1.7 B1.1 B
Slightly volatile
Issuance Of Capital Stock3.4 M3.6 M11.6 M
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 Ratio0.690.731.2633
Slightly volatile
Dividend Yield0.0140.01280.0118
Slightly volatile
PTB Ratio1.081.145.1008
Slightly volatile
Days Sales Outstanding9.439.93489
Slightly volatile
Book Value Per Share58.1355.3636.9851
Slightly volatile
Free Cash Flow Yield0.580.550.3946
Slightly volatile
Operating Cash Flow Per Share35.4233.7330.8337
Slightly volatile
Stock Based Compensation To Revenue0.0160.01290.0118
Very volatile
Capex To Depreciation0.570.460.4938
Very volatile
PB Ratio1.081.145.1008
Slightly volatile
EV To Sales1.780.942.3607
Slightly volatile
Free Cash Flow Per Share35.4233.7329.0285
Slightly volatile
Payables Turnover11.018.318.4612
Slightly volatile
Sales General And Administrative To Revenue0.180.170.1009
Slightly volatile
Capex To Revenue0.00820.00860.0252
Slightly volatile
Cash Per Share73.3369.8449.9428
Slightly volatile
POCF Ratio1.781.876.7012
Slightly volatile
Interest Coverage0.430.464.349
Slightly volatile
Payout Ratio0.190.180.1327
Slightly volatile
Capex To Operating Cash Flow0.02120.02230.0888
Slightly volatile
PFCF Ratio1.781.877.1014
Slightly volatile
Days Payables Outstanding33.6745.4448.2705
Slightly volatile
EV To Operating Cash Flow2.963.119.5575
Slightly volatile
EV To Free Cash Flow2.963.1110.2717
Slightly volatile
Intangibles To Total Assets0.03560.03750.122
Slightly volatile
Current Ratio0.370.395.0935
Pretty Stable
Receivables Turnover31.2729.7813.2409
Slightly volatile
Graham Number45.3879.1275.4367
Slightly volatile
Shareholders Equity Per Share58.1355.3635.4579
Slightly volatile
Debt To Equity1.591.685.0018
Slightly volatile
Capex Per Share0.620.652.0202
Slightly volatile
Revenue Per Share45.1887.0682.0522
Pretty Stable
Interest Debt Per Share80.48121151
Pretty Stable
Debt To Assets0.260.220.3621
Slightly volatile
Enterprise Value Over EBITDA18.7412.2912.4052
Very volatile
Price Book Value Ratio1.081.145.1008
Slightly volatile
Days Of Payables Outstanding33.6745.4448.2705
Slightly volatile
Dividend Payout Ratio0.190.180.1327
Slightly volatile
Price To Operating Cash Flows Ratio1.781.876.7012
Slightly volatile
Price To Free Cash Flows Ratio1.781.877.1014
Slightly volatile
Pretax Profit Margin0.10.07150.1438
Pretty Stable
Operating Profit Margin0.06790.07150.1886
Slightly volatile
Company Equity Multiplier6.416.7514.0507
Slightly volatile
Long Term Debt To Capitalization0.510.390.7395
Slightly volatile
Total Debt To Capitalization0.550.590.777
Slightly volatile
Return On Capital Employed0.0290.03060.0732
Slightly volatile
Debt Equity Ratio1.591.685.0018
Slightly volatile
Ebit Per Revenue0.06790.07150.1886
Slightly volatile
Quick Ratio0.370.395.2734
Pretty Stable
Dividend Paid And Capex Coverage Ratio22.2421.1812.5989
Slightly volatile
Cash Ratio0.370.391.9606
Slightly volatile
Operating Cash Flow Sales Ratio0.230.350.3353
Slightly volatile
Days Of Sales Outstanding9.439.93489
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.660.870.8844
Pretty Stable
Cash Flow Coverage Ratios0.350.380.2478
Pretty Stable
Price To Book Ratio1.081.145.1008
Slightly volatile
Fixed Asset Turnover31.9330.4116.7999
Slightly volatile
Capital Expenditure Coverage Ratio48.846.4821.3626
Slightly volatile
Price Cash Flow Ratio1.781.876.7012
Slightly volatile
Enterprise Value Multiple18.7412.2912.4052
Very volatile
Debt Ratio0.260.220.3621
Slightly volatile
Cash Flow To Debt Ratio0.350.380.2478
Pretty Stable
Price Sales Ratio0.690.731.2633
Slightly volatile
Asset Turnover0.390.240.2501
Slightly volatile
Gross Profit Margin0.290.460.432
Slightly volatile
Price Fair Value1.081.145.1008
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 Earnings8.6881
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 Revenue4.4 B3.2 B
Cost Of Revenue1.6 B2.1 B
Stock Based Compensation To Revenue 0.01  0.02 
Sales General And Administrative To Revenue 0.17  0.18 
Capex To Revenue 0.01  0.01 
Revenue Per Share 87.06  45.18 
Ebit Per Revenue 0.07  0.07 

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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
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Largest Financial Services Companies
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Check out the analysis of Bread Financial Correlation against competitors.
You can also try the Bond Analysis module to evaluate and analyze corporate bonds as a potential investment for your portfolios..
Is Consumer Finance space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Bread Financial. If investors know Bread will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. 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
97.039
Dividend Share
0.84
Earnings Share
9.88
Revenue Per Share
52.325
Quarterly Revenue Growth
0.094
The market value of Bread Financial Holdings is measured differently than its book value, which is the value of Bread that is recorded on the company's balance sheet. Investors also form their own opinion of Bread Financial's value that differs from its market value or its book value, called intrinsic value, which is Bread Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Bread Financial's market value can be influenced by many factors that don't directly affect Bread Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Altman
Z Score
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Piotroski
F Score
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Beneish
M Score
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Financial
Analysis
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Buy or Sell
Advice
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Earnings
Projections
Details
Please note, there is a significant difference between Bread Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if Bread Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Bread Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.
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