Bread Financial Holdings Stock Net Income
| BFH Stock | USD 49.74 1.87 3.91% |
Bread Financial Holdings fundamentals help investors to digest information that contributes to Bread Financial's financial success or failures. It also enables traders to predict the movement of Bread Stock. The fundamental analysis module provides a way to measure Bread Financial's intrinsic value by examining its available economic and financial indicators, including the cash flow records, the balance sheet account changes, the income statement patterns, and various microeconomic indicators and financial ratios related to Bread Financial stock.
| Last Reported | Projected for Next Year | ||
| Net Income | 277 M | 353.3 M | |
| Net Income Applicable To Common Shares | 200.7 M | 190.7 M | |
| Net Income From Continuing Ops | 279 M | 442 M | |
| Net Income Per Share | 5.58 | 4.88 | |
| Net Income Per E B T | 0.73 | 0.46 |
Bread | Net Income |
Bread Financial Holdings Company Net Income Analysis
Bread Financial's Net income is the profit of a company for the reporting period, which is derived after taking revenues and gains and subtracting all expenses and losses. Net income is one of the most-watched numbers by money managers as well as individual investors.
Current Bread Financial Net Income | 277 M |
Most of Bread Financial's fundamental indicators, such as Net Income, are part of a valuation analysis module that helps investors searching for stocks that are currently trading at higher or lower prices than their real value. If the real value is higher than the market price, Bread Financial Holdings is considered to be undervalued, and we provide a buy recommendation. Otherwise, we render a sell signal.
Bread Net Income Driver Correlations
Understanding the fundamental principles of building solid financial models for Bread Financial is extremely important. It helps to project a fair market value of Bread Stock properly, considering its historical fundamentals such as Net Income. Since Bread Financial's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Bread Financial's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Bread Financial's interrelated accounts and indicators.
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Bread Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income |
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Based on the recorded statements, Bread Financial Holdings reported net income of 277 M. This is 78.32% lower than that of the Consumer Finance sector and 79.7% lower than that of the Financials industry. The net income for all United States stocks is 51.49% higher than that of the company.
Bread Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Bread Financial's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Bread Financial could also be used in its relative valuation, which is a method of valuing Bread Financial by comparing valuation metrics of similar companies.Bread Financial is currently under evaluation in net income category among its peers.
Bread Financial ESG Sustainability
Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Bread Financial's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Bread Financial's managers, analysts, and investors.Environmental | Governance | Social |
Bread Financial Institutional Holders
Institutional Holdings refers to the ownership stake in Bread Financial that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of Bread Financial's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Bread Financial's value.| Shares | Arrowstreet Capital Limited Partnership | 2024-12-31 | 984.4 K | Morgan Stanley - Brokerage Accounts | 2024-12-31 | 895.6 K | Macquarie Group Ltd | 2024-12-31 | 841.8 K | Pzena Investment Management, Llc | 2024-12-31 | 722.1 K | Charles Schwab Investment Management Inc | 2024-12-31 | 720.7 K | Neuberger Berman Group Llc | 2024-12-31 | 683.6 K | Northern Trust Corp | 2024-12-31 | 601.3 K | Deutsche Bank Ag | 2024-12-31 | 581.5 K | Allianz Asset Management Ag | 2024-12-31 | 474.7 K | Vanguard Group Inc | 2024-12-31 | 5.8 M | Blackrock Inc | 2024-12-31 | 4.8 M |
Bread Fundamentals
| Return On Equity | 0.0935 | ||||
| Return On Asset | 0.0121 | ||||
| Profit Margin | 0.11 % | ||||
| Operating Margin | 0.16 % | ||||
| Current Valuation | 4.36 B | ||||
| Shares Outstanding | 49.09 M | ||||
| Shares Owned By Insiders | 1.00 % | ||||
| Shares Owned By Institutions | 99.00 % | ||||
| Number Of Shares Shorted | 3.74 M | ||||
| Price To Earning | 3.78 X | ||||
| Price To Book | 0.77 X | ||||
| Price To Sales | 0.96 X | ||||
| Revenue | 5.02 B | ||||
| Gross Profit | 2.44 B | ||||
| EBITDA | 1.43 B | ||||
| Net Income | 277 M | ||||
| Cash And Equivalents | 3.89 B | ||||
| Cash Per Share | 62.41 X | ||||
| Total Debt | 5.68 B | ||||
| Debt To Equity | 3.27 % | ||||
| Current Ratio | 1.77 X | ||||
| Book Value Per Share | 62.14 X | ||||
| Cash Flow From Operations | 1.86 B | ||||
| Short Ratio | 4.91 X | ||||
| Earnings Per Share | 5.54 X | ||||
| Price To Earnings To Growth | 1.44 X | ||||
| Target Price | 69.07 | ||||
| Number Of Employees | 6 K | ||||
| Beta | 1.98 | ||||
| Market Capitalization | 2.35 B | ||||
| Total Asset | 22.89 B | ||||
| Retained Earnings | 999 M | ||||
| Annual Yield | 0.02 % | ||||
| Five Year Return | 1.84 % | ||||
| Net Asset | 22.89 B | ||||
| Last Dividend Paid | 0.84 |
About Bread Financial Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze Bread Financial Holdings's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Bread Financial using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Bread Financial Holdings based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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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:Check out Bread Financial Piotroski F Score and Bread Financial Altman Z Score analysis. You can also try the Idea Optimizer module to use advanced portfolio builder with pre-computed micro ideas to build optimal portfolio .
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 | 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.
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.