Bread Financial Holdings Stock Working Capital

BFH Stock

USD 60.69 4.42 6.79%

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 Working Capital	7.3 B	8.6 B
Change In Working Capital	28 M	29.4 M

The Bread Financial's current Net Working Capital is estimated to increase to about 8.6 B. The Bread Financial's current Change In Working Capital is estimated to increase to about 29.4 M.

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Bread Financial Holdings Company Working Capital Analysis

Bread Financial's Working Capital is a measure of company efficiency and operating liquidity. The working capital is usually calculated by subtracting Current Liabilities from Current Assets. It is an important indicator of the firm ability to continue its normal operations without additional debt obligations. .

Working Capital

Current Assets

-

Current Liabilities

More About Working Capital | All Equity Analysis

Bread Working Capital 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 Working Capital. 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.

	Total Assets	Total Stockholder Equity	Net Debt	Total Current Assets	Good Will	Current Deferred Revenue	Retained Earnings	Accounts Payable	Net Receivables	Total Liab	Short Term Debt	Intangible Assets	Common Stock	Net Tangible Assets	Short Term Investments	Property Plant Equipment	Long Term Debt	Long Term Debt Total	Capital Surpluse	Cash And Equivalents	Treasury Stock	Net Invested Capital	Short Long Term Debt	Capital Stock	Net Working Capital	Deferred Long Term Liab	Long Term Investments
Total Assets		0.62	0.74	0.74	0.32	-0.16	0.61	0.87	0.58	1.0	0.41	0.04	0.78	0.37	0.5	-0.37	-0.2	0.05	-0.02	0.6	-0.33	-0.18	-0.09	0.04	-0.16	0.05	-0.07
Total Stockholder Equity	0.62		0.27	0.17	0.04	-0.29	0.07	0.6	-0.03	0.6	0.04	-0.05	0.6	0.65	0.1	-0.63	-0.5	-0.27	-0.54	0.65	-0.45	-0.58	-0.6	-0.62	-0.58	0.63	0.59
Net Debt	0.74	0.27		0.78	0.75	0.2	0.73	0.8	0.81	0.74	0.18	0.55	0.58	-0.24	0.39	0.23	0.37	0.4	0.43	0.0	0.23	0.41	0.44	0.43	0.42	-0.46	-0.43
Total Current Assets	0.74	0.17	0.78		0.36	0.2	0.8	0.58	0.82	0.76	0.24	0.1	0.55	0.06	0.75	0.03	0.06	0.53	0.46	0.22	-0.13	0.16	0.35	0.47	0.25	-0.38	-0.47
Good Will	0.32	0.04	0.75	0.36		0.39	0.42	0.64	0.58	0.31	-0.17	0.9	0.38	-0.67	0.01	0.64	0.69	0.36	0.42	-0.37	0.6	0.58	0.52	0.4	0.56	-0.47	-0.33
Current Deferred Revenue	-0.16	-0.29	0.2	0.2	0.39		0.54	0.0	0.54	-0.14	-0.68	0.34	0.12	-0.49	0.37	0.54	0.39	0.2	0.67	-0.31	0.56	0.48	0.69	0.39	0.62	-0.45	0.0
Retained Earnings	0.61	0.07	0.73	0.8	0.42	0.54		0.51	0.97	0.63	0.03	0.19	0.56	-0.08	0.82	0.14	0.12	0.18	0.73	0.15	0.03	0.29	0.59	0.6	0.42	-0.57	-0.34
Accounts Payable	0.87	0.6	0.8	0.58	0.64	0.0	0.51		0.55	0.86	0.15	0.4	0.68	0.05	0.3	-0.1	0.15	0.13	0.01	0.39	0.06	0.06	0.02	0.02	0.03	-0.01	-0.01
Net Receivables	0.58	-0.03	0.81	0.82	0.58	0.54	0.97	0.55		0.61	0.05	0.37	0.5	-0.27	0.72	0.32	0.32	0.32	0.78	0.0	0.2	0.46	0.71	0.67	0.57	-0.68	-0.48
Total Liab	1.0	0.6	0.74	0.76	0.31	-0.14	0.63	0.86	0.61		0.42	0.02	0.78	0.37	0.54	-0.35	-0.18	0.06	0.01	0.6	-0.33	-0.17	-0.07	0.05	-0.14	0.03	-0.08
Short Term Debt	0.41	0.04	0.18	0.24	-0.17	-0.68	0.03	0.15	0.05	0.42		-0.25	0.17	0.3	0.02	-0.34	-0.23	-0.07	-0.13	0.21	-0.45	-0.14	-0.19	0.11	-0.2	-0.08	-0.41
Intangible Assets	0.04	-0.05	0.55	0.1	0.9	0.34	0.19	0.4	0.37	0.02	-0.25		0.1	-0.76	-0.25	0.68	0.72	0.31	0.37	-0.57	0.72	0.68	0.55	0.35	0.63	-0.48	-0.33
Common Stock	0.78	0.6	0.58	0.55	0.38	0.12	0.56	0.68	0.5	0.78	0.17	0.1		0.32	0.4	-0.28	-0.28	-0.16	0.0	0.39	-0.28	-0.27	-0.13	-0.03	-0.23	0.14	0.16
Net Tangible Assets	0.37	0.65	-0.24	0.06	-0.67	-0.49	-0.08	0.05	-0.27	0.37	0.3	-0.76	0.32		0.27	-0.94	-0.91	-0.43	-0.57	0.78	-0.89	-0.88	-0.77	-0.56	-0.84	0.7	0.51
Short Term Investments	0.5	0.1	0.39	0.75	0.01	0.37	0.82	0.3	0.72	0.54	0.02	-0.25	0.4	0.27		-0.11	-0.16	0.17	0.53	0.44	-0.32	-0.08	0.27	0.4	0.07	-0.3	-0.16
Property Plant Equipment	-0.37	-0.63	0.23	0.03	0.64	0.54	0.14	-0.1	0.32	-0.35	-0.34	0.68	-0.28	-0.94	-0.11		0.83	0.48	0.61	-0.72	0.73	0.76	0.75	0.53	0.8	-0.68	-0.48
Long Term Debt	-0.2	-0.5	0.37	0.06	0.69	0.39	0.12	0.15	0.32	-0.18	-0.23	0.72	-0.28	-0.91	-0.16	0.83		0.6	0.51	-0.57	0.89	0.9	0.7	0.47	0.84	-0.66	-0.49
Long Term Debt Total	0.05	-0.27	0.4	0.53	0.36	0.2	0.18	0.13	0.32	0.06	-0.07	0.31	-0.16	-0.43	0.17	0.48	0.6		0.34	-0.29	0.4	0.56	0.44	0.35	0.55	-0.42	-0.54
Capital Surpluse	-0.02	-0.54	0.43	0.46	0.42	0.67	0.73	0.01	0.78	0.01	-0.13	0.37	0.0	-0.57	0.53	0.61	0.51	0.34		-0.43	0.42	0.69	0.91	0.89	0.79	-0.93	-0.64
Cash And Equivalents	0.6	0.65	0.0	0.22	-0.37	-0.31	0.15	0.39	0.0	0.6	0.21	-0.57	0.39	0.78	0.44	-0.72	-0.57	-0.29	-0.43		-0.63	-0.65	-0.54	-0.48	-0.61	0.56	0.48
Treasury Stock	-0.33	-0.45	0.23	-0.13	0.6	0.56	0.03	0.06	0.2	-0.33	-0.45	0.72	-0.28	-0.89	-0.32	0.73	0.89	0.4	0.42	-0.63		0.87	0.67	0.33	0.8	-0.51	-0.26
Net Invested Capital	-0.18	-0.58	0.41	0.16	0.58	0.48	0.29	0.06	0.46	-0.17	-0.14	0.68	-0.27	-0.88	-0.08	0.76	0.9	0.56	0.69	-0.65	0.87		0.88	0.65	0.96	-0.82	-0.64
Short Long Term Debt	-0.09	-0.6	0.44	0.35	0.52	0.69	0.59	0.02	0.71	-0.07	-0.19	0.55	-0.13	-0.77	0.27	0.75	0.7	0.44	0.91	-0.54	0.67	0.88		0.81	0.95	-0.92	-0.65
Capital Stock	0.04	-0.62	0.43	0.47	0.4	0.39	0.6	0.02	0.67	0.05	0.11	0.35	-0.03	-0.56	0.4	0.53	0.47	0.35	0.89	-0.48	0.33	0.65	0.81		0.67	-0.92	-0.86
Net Working Capital	-0.16	-0.58	0.42	0.25	0.56	0.62	0.42	0.03	0.57	-0.14	-0.2	0.63	-0.23	-0.84	0.07	0.8	0.84	0.55	0.79	-0.61	0.8	0.96	0.95	0.67		-0.86	-0.6
Deferred Long Term Liab	0.05	0.63	-0.46	-0.38	-0.47	-0.45	-0.57	-0.01	-0.68	0.03	-0.08	-0.48	0.14	0.7	-0.3	-0.68	-0.66	-0.42	-0.93	0.56	-0.51	-0.82	-0.92	-0.92	-0.86		0.82
Long Term Investments	-0.07	0.59	-0.43	-0.47	-0.33	0.0	-0.34	-0.01	-0.48	-0.08	-0.41	-0.33	0.16	0.51	-0.16	-0.48	-0.49	-0.54	-0.64	0.48	-0.26	-0.64	-0.65	-0.86	-0.6	0.82

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Working Capital can be positive or negative, depending on how much of current debt the company is carrying on its balance sheet. In general terms, companies that have a lot of working capital will experience more growth in the near future since they can expand and improve their operations using existing resources. On the other hand, companies with small or negative working capital may lack the funds necessary for growth or future operation. Working Capital also shows if the company has sufficient liquid resources to satisfy short-term liabilities and operational expenses.

Competition

Predict Bread Financial

Working Capital Over Time

Bread Capital Surpluse

Capital Surpluse

2.33 Billion

As of now, Bread Financial's Capital Surpluse is decreasing as compared to previous years.

In accordance with the company's disclosures, Bread Financial Holdings has a Working Capital of 0.0. This is 100.0% lower than that of the Consumer Finance sector and 100.0% lower than that of the Financials industry. The working capital for all United States stocks is 100.0% higher than that of the company.

Bread Working Capital 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 Working Capital 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 working capital 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 Fundamentals

	Return On Equity	0.11
	Return On Asset	0.0146
	Profit Margin	0.13 %
	Operating Margin	0.07 %
	Current Valuation	4.37 B
	Shares Outstanding	49.72 M
	Shares Owned By Insiders	0.70 %
	Shares Owned By Institutions	99.30 %
	Number Of Shares Shorted	2.87 M
	Price To Earning	3.78 X
	Price To Book	1.04 X
	Price To Sales	1.31 X
	Revenue	3.06 B
	Gross Profit	1.6 B
	EBITDA	1.08 B
	Net Income	718 M
	Cash And Equivalents	3.89 B
	Cash Per Share	62.41 X
	Total Debt	5.44 B
	Debt To Equity	3.27 %
	Current Ratio	1.77 X
	Book Value Per Share	62.62 X
	Cash Flow From Operations	1.99 B
	Short Ratio	3.95 X
	Earnings Per Share	6.34 X
	Price To Earnings To Growth	0.26 X
	Target Price	59.34
	Number Of Employees	7 K
	Beta	1.97
	Market Capitalization	3.24 B
	Total Asset	23.14 B
	Retained Earnings	767 M
	Annual Yield	0.01 %
	Five Year Return	1.84 %
	Net Asset	23.14 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:

How To Invest In Bread

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Is Bread Stock a good investment?

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What is Bread Financial's Net Worth?

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Largest Consumer Finance Companies

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Largest Financial Services Companies

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Check out Bread Financial Piotroski F Score and Bread Financial Altman Z Score analysis.

You can also try the Equity Forecasting module to use basic forecasting models to generate price predictions and determine price momentum.

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

(0.99)

Dividend Share

0.84

Earnings Share

6.34

Revenue Per Share

49.838

Quarterly Revenue Growth

(0.15)

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.

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Bread Financial Holdings Stock Working Capital

Bread Financial Holdings Company Working Capital Analysis

Working Capital

Current Assets

-

Current Liabilities

Bread Working Capital Driver Correlations

Bread Capital Surpluse

Capital Surpluse

2.33 Billion

Bread Working Capital Peer Comparison

Bread Financial ESG Sustainability

Bread Fundamentals

About Bread Financial Fundamental Analysis

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