Bread Financial Statements From 2010 to 2025

Stocks . USA . 
Stock . Bread Financial Holdings
BFH Stock  USD 47.96  1.28  2.60%   
Bread Financial financial statements provide useful quarterly and yearly information to potential Bread Financial Holdings investors about the company's current and past financial position, as well as its overall management performance and changes in financial position over time. Historical trend examination of various income statement and balance sheet accounts found on Bread Financial financial statements helps investors assess Bread Financial's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting Bread Financial's valuation are summarized below:
Gross Profit
2.4 B
Profit Margin
0.1135
Market Capitalization
2.4 B
Enterprise Value Revenue
2.1111
Revenue
2.4 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 2025 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

3.54 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 85.5 M, Total Revenue of 3.5 B or Gross Profit of 5.3 B, as well as many indicators such as Price To Sales Ratio of 0.57, Dividend Yield of 0.014 or PTB Ratio of 0.94. Bread financial statements analysis is a perfect complement when working with Bread Financial Valuation or Volatility modules.
  
Check out the analysis of Bread Financial Correlation against competitors.

Bread Financial Balance Sheet

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Total Assets14 B22.9 B20.1 B
Slightly volatile
Total Stockholder Equity3.2 B3.1 B1.8 B
Slightly volatile
Cash3.9 B3.7 B2.5 B
Slightly volatile
Non Current Assets Total843.6 M888 M4.9 B
Very volatile
Other Assets19.2 B18.3 B4.3 B
Slightly volatile
Cash And Short Term Investments3.9 B3.7 B2.5 B
Slightly volatile
Common Stock Shares Outstanding49 M50.4 M54.5 M
Slightly volatile
Liabilities And Stockholders Equity14 B22.9 B20.1 B
Slightly volatile
Total Current Assets3.5 B3.7 B12.1 B
Very volatile
Good Will692.6 M729.1 M1.7 B
Slightly volatile
Short and Long Term Debt Total7.5 B5.7 B10.6 B
Slightly volatile
Total Current Liabilities547.2 M576 M4.7 B
Slightly volatile
Property Plant And Equipment Net134.9 M142 M318.7 M
Pretty Stable
Accounts Payable274.6 M326 M349 M
Slightly volatile
Net Receivables137.8 M145 M8 B
Pretty Stable
Non Current Liabilities Total10.5 B5.7 B14.3 B
Very volatile
Other Current Assets1 B954.5 M455.3 M
Slightly volatile
Total Liabilities13.6 B19.8 B18.4 B
Slightly volatile
Short Term Debt310.3 M326.6 M1.9 B
Very volatile
Intangible Assets106.4 M112 M463.2 M
Slightly volatile
Common Stock1 M1.1 M1 M
Slightly volatile
Other Liabilities758.2 M431.1 M910.2 M
Slightly volatile
Short Term Investments268.6 M170 M284.8 M
Pretty Stable
Property Plant Equipment328.9 M175.5 M429.5 M
Slightly volatile
Long Term Debt7.3 B5.6 B10.8 B
Slightly volatile
Long Term Debt Total11 B7.2 B12.8 B
Slightly volatile
Capital Surpluse2.3 B2 B2.8 B
Slightly volatile
Cash And Equivalents3.7 B4.5 B2.9 B
Slightly volatile
Net Invested Capital8.5 B8.6 B13 B
Slightly volatile
Capital Stock845.7 K900 K1.1 M
Slightly volatile
Non Current Liabilities Other3.6 B2.9 B4.8 B
Slightly volatile
Net Working Capital8.6 B7.3 B11.3 B
Slightly volatile
Capital Lease Obligations154.2 M128 M258.7 M
Slightly volatile
Property Plant And Equipment Gross453.3 M229 M331.5 M
Slightly volatile
Deferred Long Term Liabilities373.6 M395.6 M327.6 M
Slightly volatile
Long Term Investments262.9 M266 M231.7 M
Slightly volatile
Common Stock Total Equity800 K900 K981.2 K
Slightly volatile

Bread Financial Income Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Depreciation And Amortization85.5 M90 M233.4 M
Pretty Stable
Total Revenue3.5 B5 B4.5 B
Pretty Stable
Gross Profit5.3 B5 B2.4 B
Slightly volatile
Other Operating Expenses2.8 B3.8 B3.5 B
Very volatile
Operating Income265.1 M279 M948.5 M
Very volatile
EBIT1.4 B1.3 B860.7 M
Slightly volatile
EBITDA756.5 M1.4 B1 B
Pretty Stable
Total Operating Expenses4 B3.8 B1.4 B
Slightly volatile
Cost Of Revenue392.2 M412.9 M2.4 B
Slightly volatile
Interest Expense1 B960 M342.1 M
Slightly volatile
Selling General Administrative941.9 M897 M345.1 M
Slightly volatile
Selling And Marketing Expenses139.7 M147 M710.1 M
Slightly volatile
Research Development24 M27 M29.4 M
Slightly volatile
Net Income Applicable To Common Shares190.7 M200.7 M475.9 M
Slightly volatile
Tax Provision159.5 M102 M241.9 M
Slightly volatile
Interest Income3.3 B5 B2.1 B
Slightly volatile
Net Income From Continuing Ops442 M279 M750.9 M
Slightly volatile
Reconciled Depreciation155.7 M90 M338.5 M
Slightly volatile

Bread Financial Cash Flow Statement

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Free Cash Flow1 B1.9 B1.5 B
Slightly volatile
Depreciation85.5 M90 M240.2 M
Pretty Stable
Total Cash From Operating Activities1.1 B1.9 B1.6 B
Slightly volatile
End Period Cash Flow3.9 B3.7 B2.6 B
Slightly volatile
Begin Period Cash Flow3.8 B3.6 B2.3 B
Slightly volatile
Stock Based Compensation52.8 M54 M53.9 M
Pretty Stable
Dividends Paid40.9 M43 M2.1 B
Slightly volatile
Change To Netincome1.2 B1.7 B1.1 B
Slightly volatile
Issuance Of Capital Stock3.4 M3.6 M12 M
Slightly volatile
Cash And Cash Equivalents Changes368 M414 M451.4 M
Slightly volatile
Cash Flows Other Operating32.8 M36.9 M40.2 M
Slightly volatile

Financial Ratios

Trends
Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio0.570.60281.2329
Slightly volatile
Dividend Yield0.0140.01420.0118
Slightly volatile
PTB Ratio0.940.99275.3396
Slightly volatile
Days Sales Outstanding9.019.48492
Slightly volatile
Book Value Per Share64.5961.512136.2404
Slightly volatile
Free Cash Flow Yield0.640.61380.3886
Slightly volatile
Operating Cash Flow Per Share39.3537.479830.8983
Slightly volatile
Stock Based Compensation To Revenue0.01530.01070.0114
Very volatile
Capex To Depreciation0.580.690.5265
Slightly volatile
PB Ratio0.940.99275.3396
Slightly volatile
EV To Sales1.71.00212.317
Slightly volatile
Free Cash Flow Per Share39.3537.479828.9803
Slightly volatile
ROIC0.05510.05120.0624
Pretty Stable
Payables Turnover11.596.38.8995
Slightly volatile
Sales General And Administrative To Revenue0.190.17850.0857
Slightly volatile
Research And Ddevelopement To Revenue0.00660.00740.0081
Slightly volatile
Capex To Revenue0.03670.02020.0277
Slightly volatile
Cash Per Share81.4877.600851.9199
Slightly volatile
POCF Ratio1.551.62916.9888
Slightly volatile
Interest Coverage0.280.29064.6417
Slightly volatile
Payout Ratio0.110.15520.1051
Slightly volatile
Capex To Operating Cash Flow0.04020.04230.0963
Slightly volatile
PFCF Ratio1.551.62917.414
Slightly volatile
Days Payables Outstanding37.6560.0145.9052
Slightly volatile
EV To Operating Cash Flow2.572.70829.9304
Slightly volatile
EV To Free Cash Flow2.572.708210.6892
Slightly volatile
Intangibles To Total Assets0.0310.03260.127
Slightly volatile
Current Ratio3.276.38725.941
Slightly volatile
Receivables Turnover32.7431.1812.5984
Slightly volatile
Graham Number46.7187.916577.6521
Slightly volatile
Shareholders Equity Per Share64.5961.512134.6178
Slightly volatile
Debt To Equity1.771.86335.2255
Slightly volatile
Capex Per Share1.41.232.211
Pretty Stable
Revenue Per Share10610188.3399
Slightly volatile
Interest Debt Per Share80.1134152
Slightly volatile
Debt To Assets0.260.24840.3713
Slightly volatile
Enterprise Value Over EBITDA3.844.059.3303
Slightly volatile
Operating Cycle9.019.48741
Very volatile
Price Book Value Ratio0.940.99275.3396
Slightly volatile
Days Of Payables Outstanding37.6560.0145.9052
Slightly volatile
Dividend Payout Ratio0.110.15520.1051
Slightly volatile
Price To Operating Cash Flows Ratio1.551.62916.9888
Slightly volatile
Price To Free Cash Flows Ratio1.551.62917.414
Slightly volatile
Operating Profit Margin0.05280.05550.2059
Very volatile
Effective Tax Rate0.450.26770.3084
Slightly volatile
Company Equity Multiplier7.137.502814.552
Slightly volatile
Long Term Debt To Capitalization0.50.64560.7418
Slightly volatile
Total Debt To Capitalization0.550.65080.7888
Slightly volatile
Return On Capital Employed0.01190.01250.0763
Slightly volatile
Debt Equity Ratio1.771.86335.2255
Slightly volatile
Ebit Per Revenue0.05280.05550.2059
Very volatile
Quick Ratio3.226.38725.9061
Slightly volatile
Dividend Paid And Capex Coverage Ratio45.3943.232616.3177
Slightly volatile
Net Income Per E B T0.460.7270.6839
Pretty Stable
Cash Ratio6.716.38722.8451
Slightly volatile
Operating Cash Flow Sales Ratio0.230.370.3337
Slightly volatile
Days Of Sales Outstanding9.019.48492
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.660.870.8795
Pretty Stable
Cash Flow Coverage Ratios0.350.3270.2393
Pretty Stable
Price To Book Ratio0.940.99275.3396
Slightly volatile
Fixed Asset Turnover37.1535.380316.6394
Slightly volatile
Capital Expenditure Coverage Ratio25.6824.4615.7604
Slightly volatile
Price Cash Flow Ratio1.551.62916.9888
Slightly volatile
Enterprise Value Multiple3.844.059.3303
Slightly volatile
Debt Ratio0.260.24840.3713
Slightly volatile
Cash Flow To Debt Ratio0.350.3270.2393
Pretty Stable
Price Sales Ratio0.570.60281.2329
Slightly volatile
Asset Turnover0.40.21950.2557
Slightly volatile
Gross Profit Margin0.270.460.3736
Slightly volatile
Price Fair Value0.940.99275.3396
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 Earnings7.2411
Cash And Short Term Investments3.7 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 M193.4 M
Total Revenue5 B3.5 B
Cost Of Revenue412.9 M392.2 M
Stock Based Compensation To Revenue 0.01  0.02 
Sales General And Administrative To Revenue 0.18  0.19 
Research And Ddevelopement To Revenue 0.01  0.01 
Capex To Revenue 0.02  0.04 
Revenue Per Share 101.29  106.35 
Ebit Per Revenue 0.06  0.05 

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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
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Check out the analysis of Bread Financial Correlation against competitors.
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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
(0.84)
Dividend Share
0.84
Earnings Share
5.54
Revenue Per Share
49.214
Quarterly Revenue Growth
(0.05)
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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