Bread Financial Statements From 2010 to 2026

Stocks . USA . 
Stock . Bread Financial Holdings
BFH Stock  USD 77.19  0.69  0.90%   
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
3.5 B
Enterprise Value Revenue
1.8741
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 0.0135 or PTB Ratio of 0.95. 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 Outstanding48.5 M46 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 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 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 Ratio0.670.70741.2737
Slightly volatile
Dividend Yield0.01350.01160.0117
Slightly volatile
PTB Ratio0.950.99915.0852
Slightly volatile
Days Sales Outstanding1.4 K1.3 K693
Very volatile
Book Value Per Share77.874.09838.1218
Slightly volatile
Free Cash Flow Yield0.580.550.3946
Slightly volatile
Operating Cash Flow Per Share35.4233.7330.834
Slightly volatile
Stock Based Compensation To Revenue0.01610.01290.0119
Very volatile
Capex To Depreciation0.580.690.5309
Slightly volatile
PB Ratio0.950.99915.0852
Slightly volatile
EV To Sales0.810.85722.4008
Slightly volatile
Free Cash Flow Per Share35.4233.7329.0288
Slightly volatile
ROIC0.04420.06960.0495
Pretty Stable
Payables Turnover11.018.318.4612
Slightly volatile
Sales General And Administrative To Revenue0.260.24690.1128
Slightly volatile
Capex To Revenue0.0170.01790.0274
Slightly volatile
Cash Per Share84.2880.267351.2002
Slightly volatile
POCF Ratio1.781.876.7012
Slightly volatile
Interest Coverage0.680.7194.4406
Slightly volatile
Payout Ratio0.07080.07450.1195
Pretty Stable
Capex To Operating Cash Flow0.04020.04230.0928
Slightly volatile
PFCF Ratio1.781.877.1014
Slightly volatile
Days Payables Outstanding33.6645.4448.2699
Slightly volatile
EV To Operating Cash Flow2.963.119.7717
Slightly volatile
EV To Free Cash Flow2.963.1110.5105
Slightly volatile
Intangibles To Total Assets0.030.03160.1213
Slightly volatile
Current Ratio2.771.4594.7847
Pretty Stable
Receivables Turnover0.270.28148.9717
Slightly volatile
Graham Number14613984.8368
Slightly volatile
Shareholders Equity Per Share77.874.09837.7171
Slightly volatile
Debt To Equity1.231.29495.418
Slightly volatile
Capex Per Share1.41.232.1611
Slightly volatile
Revenue Per Share11010585.8239
Slightly volatile
Interest Debt Per Share83.36115156
Pretty Stable
Debt To Assets0.260.19010.3805
Slightly volatile
Enterprise Value Over EBITDA5.515.80411.5314
Slightly volatile
Price Book Value Ratio0.950.99915.0852
Slightly volatile
Days Of Payables Outstanding33.6645.4448.2699
Slightly volatile
Dividend Payout Ratio0.07080.07450.1195
Pretty Stable
Price To Operating Cash Flows Ratio1.781.876.7012
Slightly volatile
Price To Free Cash Flows Ratio1.781.877.1014
Slightly volatile
Pretax Profit Margin0.10.13070.1499
Very volatile
Operating Profit Margin0.140.13070.2085
Pretty Stable
Company Equity Multiplier6.476.811814.0586
Slightly volatile
Long Term Debt To Capitalization0.510.56420.7606
Slightly volatile
Total Debt To Capitalization0.550.56420.7805
Slightly volatile
Return On Capital Employed0.09780.07020.0769
Slightly volatile
Debt Equity Ratio1.231.29495.418
Slightly volatile
Ebit Per Revenue0.140.13070.2085
Pretty Stable
Quick Ratio2.821.4594.8876
Pretty Stable
Dividend Paid And Capex Coverage Ratio40.8538.9117.3797
Slightly volatile
Cash Ratio0.250.2591.3781
Slightly volatile
Operating Cash Flow Sales Ratio0.230.350.3426
Slightly volatile
Days Of Sales Outstanding1.4 K1.3 K693
Very volatile
Free Cash Flow Operating Cash Flow Ratio0.660.870.8844
Pretty Stable
Cash Flow Coverage Ratios0.340.380.2334
Slightly volatile
Price To Book Ratio0.950.99915.0852
Slightly volatile
Fixed Asset Turnover42.1740.162417.0223
Slightly volatile
Capital Expenditure Coverage Ratio25.6824.4616.4322
Slightly volatile
Price Cash Flow Ratio1.781.876.7012
Slightly volatile
Enterprise Value Multiple5.515.80411.5314
Slightly volatile
Debt Ratio0.260.19010.3805
Slightly volatile
Cash Flow To Debt Ratio0.340.380.2334
Slightly volatile
Price Sales Ratio0.670.70741.2737
Slightly volatile
Asset Turnover0.370.20730.2446
Slightly volatile
Gross Profit Margin0.660.63330.4711
Slightly volatile
Price Fair Value0.950.99915.0852
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

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 

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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 Portfolio Analyzer module to portfolio analysis module that provides access to portfolio diagnostics and optimization engine.
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
7.219
Dividend Share
0.86
Earnings Share
10.02
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
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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
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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.
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