Bread Historical Financial Ratios

BFH Stock

USD 62.29 0.47 0.75%

Bread Financial is presently reporting on over 105 different financial statement accounts. To analyze all of these accounts together requires a lot of time and effort. However, using these accounts to derive some meaningful and actionable indicators such as Dividend Yield of 0.0143, PTB Ratio of 0.53 or Days Sales Outstanding of 14.4 will help investors to properly organize and evaluate Bread Financial Holdings financial condition quickly.

Quick Ratio Current Ratio

Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Bread Financial Holdings. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census.

About Bread Financial Ratios Analysis

Bread Financial HoldingsFinancial ratios are relationships based on a company's financial information. They can serve as useful tools to evaluate Bread Financial investment potential. Financial ratio analysis can also be defined as the process of presenting financial ratios, which are mathematical indicators calculated by comparing key financial information appearing on Bread financial statements. Financial ratios are useful tools that help investors analyze and compare relationships between different pieces of financial information across Bread Financial history.

Bread Financial Financial Ratios Chart

As of now, Bread Financial's Stock Based Compensation To Revenue is decreasing as compared to previous years. The Bread Financial's current EV To Sales is estimated to increase to 1.74, while Price To Sales Ratio is projected to decrease to 0.51.

Price To Sales Ratio Ptb Ratio Days Sales Outstanding Average Inventory Pocfratio

Add Fundamental

Price To Sales Ratio

Price to Sales Ratio is figured by comparing Bread Financial Holdings stock price to its revenues. An advantage to using Price to Sales ratio is that it is based on Bread Financial sales, a figure that is much harder to manipulate than other Bread Financial Holdings multiples. Because sales tend to be more stable P/S ratio can be a good tool for screening cyclical companies fluctuating earnings patterns. A valuation ratio that compares a company's stock price to its revenues, calculated by dividing the company's market cap by its total sales or revenue over a 12-month period.

Ptb Ratio

Price-to-Book ratio, a financial valuation metric used to compare a company's current market price to its book value. It provides insight into the value that market participants place on the company's equity relative to its net asset value.

Average Inventory

The average amount of inventory a company holds over a certain period, which is used to calculate inventory turnover and efficiency in managing stock levels.

Most ratios from Bread Financial's fundamentals are interrelated and interconnected. However, analyzing fundamentals ratios one by one will only give a small insight into Bread Financial Holdings current financial condition. On the other hand, looking into the entire matrix of fundamentals ratios, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out Trending Equities to better understand how to build diversified portfolios, which includes a position in Bread Financial Holdings. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in census.

	2021	2022	2023	2024 (projected)
Dividend Yield	0.0127	0.0229	0.0256	0.0143
Price To Sales Ratio	1.01	0.49	0.54	0.51

Dividend Yield Price To Sales Ratio

Bread Financial fundamentals Correlations

	Price To Sales Ratio	Dividend Yield	Ptb Ratio	Days Sales Outstanding	Book Value Per Share	Free Cash Flow Yield	Operating Cash Flow Per Share	Capex To Depreciation	Pb Ratio	Ev To Sales	Free Cash Flow Per Share	Roic	Inventory Turnover	Net Income Per Share	Days Of Inventory On Hand	Payables Turnover	Capex To Revenue	Cash Per Share	Pocfratio	Interest Coverage	Payout Ratio	Capex To Operating Cash Flow	Pfcf Ratio	Days Payables Outstanding	Income Quality	Roe
Price To Sales Ratio		-0.77	0.49	0.55	-0.41	-0.76	-0.37	-0.11	0.49	0.86	-0.44	-0.11	-0.21	-0.08	-0.6	0.36	0.31	-0.67	0.19	0.59	-0.46	0.29	0.23	-0.46	-0.23	0.2
Dividend Yield	-0.77		-0.59	-0.21	0.54	0.66	0.52	0.14	-0.59	-0.49	0.56	-0.09	0.15	0.33	0.46	-0.43	-0.51	0.87	-0.42	-0.2	0.72	-0.45	-0.45	0.5	0.46	-0.31
Ptb Ratio	0.49	-0.59		0.38	-0.8	-0.48	-0.34	-0.02	1.0	0.27	-0.37	0.45	-0.05	-0.21	-0.47	0.74	-0.03	-0.63	-0.06	0.31	-0.32	0.0	-0.04	-0.68	0.0	0.92
Days Sales Outstanding	0.55	-0.21	0.38		-0.38	-0.65	0.0	-0.21	0.38	0.59	-0.09	-0.11	-0.06	0.21	-0.72	0.33	0.2	-0.13	-0.11	0.89	0.12	0.08	-0.09	-0.46	0.01	0.29
Book Value Per Share	-0.41	0.54	-0.8	-0.38		0.71	0.54	0.14	-0.8	-0.13	0.58	-0.07	-0.03	0.48	0.66	-0.62	-0.07	0.63	-0.24	-0.24	0.08	-0.31	-0.26	0.65	0.15	-0.66
Free Cash Flow Yield	-0.76	0.66	-0.48	-0.65	0.71		0.56	0.31	-0.48	-0.55	0.64	0.35	0.06	0.32	0.82	-0.31	-0.38	0.63	-0.45	-0.58	0.15	-0.57	-0.47	0.47	0.39	-0.23
Operating Cash Flow Per Share	-0.37	0.52	-0.34	0.0	0.54	0.56		-0.09	-0.34	0.06	0.99	0.06	0.02	0.7	0.32	-0.45	-0.43	0.79	-0.75	0.14	0.35	-0.78	-0.77	0.49	0.66	-0.12
Capex To Depreciation	-0.11	0.14	-0.02	-0.21	0.14	0.31	-0.09		-0.02	-0.2	-0.07	0.64	0.18	0.28	0.59	0.09	-0.02	0.07	-0.21	-0.34	-0.27	-0.18	-0.21	0.09	-0.05	0.11
Pb Ratio	0.49	-0.59	1.0	0.38	-0.8	-0.48	-0.34	-0.02		0.27	-0.37	0.45	-0.05	-0.21	-0.47	0.74	-0.03	-0.63	-0.06	0.31	-0.32	0.0	-0.04	-0.68	0.0	0.92
Ev To Sales	0.86	-0.49	0.27	0.59	-0.13	-0.55	0.06	-0.2	0.27		-0.02	-0.22	-0.25	0.25	-0.45	0.16	0.08	-0.27	-0.19	0.7	-0.22	-0.08	-0.15	-0.24	0.13	0.07
Free Cash Flow Per Share	-0.44	0.56	-0.37	-0.09	0.58	0.64	0.99	-0.07	-0.37	-0.02		0.09	0.04	0.68	0.39	-0.46	-0.44	0.8	-0.74	0.06	0.33	-0.79	-0.76	0.52	0.65	-0.13
Roic	-0.11	-0.09	0.45	-0.11	-0.07	0.35	0.06	0.64	0.45	-0.22	0.09		0.03	0.17	0.43	0.34	-0.06	-0.11	-0.35	-0.2	-0.37	-0.35	-0.36	-0.13	0.11	0.6
Inventory Turnover	-0.21	0.15	-0.05	-0.06	-0.03	0.06	0.02	0.18	-0.05	-0.25	0.04	0.03		-0.04	0.01	-0.07	0.02	0.14	0.06	-0.07	0.16	0.04	0.05	0.1	-0.04	0.02
Net Income Per Share	-0.08	0.33	-0.21	0.21	0.48	0.32	0.7	0.28	-0.21	0.25	0.68	0.17	-0.04		0.3	-0.18	-0.07	0.58	-0.63	0.3	-0.06	-0.58	-0.63	0.26	0.25	0.03
Days Of Inventory On Hand	-0.6	0.46	-0.47	-0.72	0.66	0.82	0.32	0.59	-0.47	-0.45	0.39	0.43	0.01	0.3		-0.41	-0.25	0.47	-0.31	-0.68	-0.07	-0.42	-0.33	0.62	0.19	-0.25
Payables Turnover	0.36	-0.43	0.74	0.33	-0.62	-0.31	-0.45	0.09	0.74	0.16	-0.46	0.34	-0.07	-0.18	-0.41		0.2	-0.5	0.06	0.15	-0.26	0.15	0.08	-0.95	-0.13	0.64
Capex To Revenue	0.31	-0.51	-0.03	0.2	-0.07	-0.38	-0.43	-0.02	-0.03	0.08	-0.44	-0.06	0.02	-0.07	-0.25	0.2		-0.43	0.7	0.14	-0.5	0.75	0.71	-0.28	-0.86	-0.18
Cash Per Share	-0.67	0.87	-0.63	-0.13	0.63	0.63	0.79	0.07	-0.63	-0.27	0.8	-0.11	0.14	0.58	0.47	-0.5	-0.43		-0.57	-0.13	0.66	-0.59	-0.59	0.55	0.54	-0.35
Pocfratio	0.19	-0.42	-0.06	-0.11	-0.24	-0.45	-0.75	-0.21	-0.06	-0.19	-0.74	-0.35	0.06	-0.63	-0.31	0.06	0.7	-0.57		-0.18	-0.26	0.98	1.0	-0.17	-0.87	-0.29
Interest Coverage	0.59	-0.2	0.31	0.89	-0.24	-0.58	0.14	-0.34	0.31	0.7	0.06	-0.2	-0.07	0.3	-0.68	0.15	0.14	-0.13	-0.18		0.06	-0.04	-0.15	-0.26	0.09	0.25
Payout Ratio	-0.46	0.72	-0.32	0.12	0.08	0.15	0.35	-0.27	-0.32	-0.22	0.33	-0.37	0.16	-0.06	-0.07	-0.26	-0.5	0.66	-0.26	0.06		-0.26	-0.28	0.22	0.54	-0.22
Capex To Operating Cash Flow	0.29	-0.45	0.0	0.08	-0.31	-0.57	-0.78	-0.18	0.0	-0.08	-0.79	-0.35	0.04	-0.58	-0.42	0.15	0.75	-0.59	0.98	-0.04	-0.26		0.98	-0.28	-0.88	-0.25
Pfcf Ratio	0.23	-0.45	-0.04	-0.09	-0.26	-0.47	-0.77	-0.21	-0.04	-0.15	-0.76	-0.36	0.05	-0.63	-0.33	0.08	0.71	-0.59	1.0	-0.15	-0.28	0.98		-0.19	-0.87	-0.29
Days Payables Outstanding	-0.46	0.5	-0.68	-0.46	0.65	0.47	0.49	0.09	-0.68	-0.24	0.52	-0.13	0.1	0.26	0.62	-0.95	-0.28	0.55	-0.17	-0.26	0.22	-0.28	-0.19		0.19	-0.52
Income Quality	-0.23	0.46	0.0	0.01	0.15	0.39	0.66	-0.05	0.0	0.13	0.65	0.11	-0.04	0.25	0.19	-0.13	-0.86	0.54	-0.87	0.09	0.54	-0.88	-0.87	0.19		0.14
Roe	0.2	-0.31	0.92	0.29	-0.66	-0.23	-0.12	0.11	0.92	0.07	-0.13	0.6	0.02	0.03	-0.25	0.64	-0.18	-0.35	-0.29	0.25	-0.22	-0.25	-0.29	-0.52	0.14

Click cells to compare fundamentals

Bread Financial Account Relationship Matchups

Bread Financial fundamentals Accounts

	2019	2020	2021	2022	2023	2024 (projected)
Price To Sales Ratio	0.8	0.62	1.01	0.49	0.54	0.51
Dividend Yield	0.0285	0.0216	0.0127	0.0229	0.0256	0.0143
Ptb Ratio	2.76	1.86	1.59	0.83	0.56	0.53
Days Sales Outstanding	1.1K	1.2K	9.2	16.84	15.16	14.4
Book Value Per Share	32.42	31.83	41.97	45.39	58.59	61.52
Free Cash Flow Yield	0.24	0.65	0.44	0.95	1.21	1.27
Operating Cash Flow Per Share	24.35	39.39	31.05	37.03	39.9	41.89
Stock Based Compensation To Revenue	0.009819	0.004645	0.008863	0.008527	0.0144	0.0155
Capex To Depreciation	0.57	0.29	0.68	0.6	0.69	0.58
Pb Ratio	2.76	1.86	1.59	0.83	0.56	0.53
Ev To Sales	1.98	1.89	2.39	1.58	1.14	1.74
Free Cash Flow Per Share	21.51	38.26	29.36	35.67	39.9	41.89
Roic	0.0615	0.0403	(0.0455)	0.0837	0.15	0.16
Inventory Turnover	21.36	12.42	15.63	16.29	0.0969	0.11
Net Income Per Share	11.45	6.17	16.12	4.47	14.42	15.14
Days Of Inventory On Hand	29.39	23.35	22.4	3.8K	3.4K	3.6K
Payables Turnover	6.33	11.33	7.56	5.47	6.3	11.59
Sales General And Administrative To Revenue	0.027	0.0234	0.21	0.2	0.28	0.3
Capex To Revenue	0.0255	0.0119	0.0257	0.0176	0.0202	0.0367
Cash Per Share	88.72	77.82	66.1	79.88	75.52	79.3
Pocfratio	3.67	1.5	2.14	1.02	0.83	0.78
Interest Coverage	6.79	3.64	2.73	1.59	1.81	1.72
Payout Ratio	0.22	0.21	0.0524	0.19	0.0585	0.0556
Pfcf Ratio	4.16	1.55	2.27	1.06	0.83	0.78
Days Payables Outstanding	57.63	32.22	48.27	66.68	60.01	37.65
Income Quality	3.92	8.81	1.93	8.29	2.77	2.91
Roe	0.35	0.19	0.38	0.0985	0.25	0.23
Ev To Operating Cash Flow	9.07	4.55	5.08	3.31	1.76	1.67
Pe Ratio	7.82	9.58	4.13	8.43	2.28	2.17
Return On Tangible Assets	0.0226	0.014	0.038	0.009062	0.0321	0.028
Ev To Free Cash Flow	10.27	4.68	5.37	3.44	1.76	1.67
Earnings Yield	0.13	0.1	0.24	0.12	0.44	0.46
Intangibles To Total Assets	0.0418	0.0644	0.0316	0.0314	0.0329	0.0313
Net Debt To E B I T D A	4.99	4.88	4.4	14.09	3.99	3.59
Current Ratio	25.14	18.48	1.69	10.43	13.15	13.81
Tangible Book Value Per Share	10.26	1.47	28.15	29.38	43.29	45.46
Receivables Turnover	0.33	0.3	39.66	21.67	19.5	20.48
Graham Number	91.4	66.49	123.37	67.56	137.87	144.76
Shareholders Equity Per Share	32.42	31.83	41.97	45.39	58.59	61.52

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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:

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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

(0.99)

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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Price To Sales Ratio	Dividend Yield
Ptb Ratio	Days Sales Outstanding
Book Value Per Share	Free Cash Flow Yield
Invested Capital	Operating Cash Flow Per Share
Average Payables	Stock Based Compensation To Revenue
Capex To Depreciation	Pb Ratio
Ev To Sales	Free Cash Flow Per Share
Roic	Inventory Turnover
Net Income Per Share	Days Of Inventory On Hand
Payables Turnover	Sales General And Administrative To Revenue
Average Inventory	Research And Ddevelopement To Revenue
Capex To Revenue	Cash Per Share
Pocfratio	Interest Coverage
Payout Ratio	Capex To Operating Cash Flow
Pfcf Ratio	Days Payables Outstanding
Net Current Asset Value	Income Quality
Roe	Tangible Asset Value
Ev To Operating Cash Flow	Pe Ratio
Return On Tangible Assets	Ev To Free Cash Flow
Earnings Yield	Intangibles To Total Assets
Net Debt To E B I T D A	Current Ratio
Tangible Book Value Per Share	Receivables Turnover
Graham Number	Shareholders Equity Per Share
Debt To Equity	Capex Per Share
Graham Net Net	Average Receivables
Revenue Per Share	Interest Debt Per Share
Debt To Assets	Enterprise Value Over E B I T D A
Short Term Coverage Ratios	Price Earnings Ratio
Price Book Value Ratio	Price Earnings To Growth Ratio
Days Of Payables Outstanding	Dividend Payout Ratio
Price To Operating Cash Flows Ratio	Price To Free Cash Flows Ratio
Pretax Profit Margin	Ebt Per Ebit
Operating Profit Margin	Effective Tax Rate
Company Equity Multiplier	Long Term Debt To Capitalization
Total Debt To Capitalization	Return On Capital Employed
Debt Equity Ratio	Ebit Per Revenue
Quick Ratio	Dividend Paid And Capex Coverage Ratio
Net Income Per E B T	Cash Ratio
Operating Cash Flow Sales Ratio	Days Of Inventory Outstanding
Days Of Sales Outstanding	Free Cash Flow Operating Cash Flow Ratio
Cash Flow Coverage Ratios	Price To Book Ratio
Fixed Asset Turnover	Capital Expenditure Coverage Ratio
Price Cash Flow Ratio	Enterprise Value Multiple
Debt Ratio	Cash Flow To Debt Ratio
Price Sales Ratio	Return On Assets
Asset Turnover	Net Profit Margin
Gross Profit Margin	Price Fair Value
Return On Equity	Operating Cycle
Cash Conversion Cycle

Bread Historical Financial Ratios

About Bread Financial Ratios Analysis

Bread Financial Financial Ratios Chart

Price To Sales Ratio

Ptb Ratio

Average Inventory

Bread Financial fundamentals Correlations

Bread Financial Account Relationship Matchups

High Positive Relationship

High Negative Relationship

Bread Financial fundamentals Accounts

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Pb Ratio	+ 1.0	Ptb Ratio
Pfcf Ratio	+ 1.0	Pocfratio
Free Cash Flow Per Share	+ 0.99	Operating Cash Flow Per Share
Capex To Operating Cash Flow	+ 0.98	Pocfratio
Pfcf Ratio	+ 0.98	Capex To Operating Cash Flow
Roe	+ 0.92	Ptb Ratio

Days Payables Outstanding	- 0.95	Payables Turnover
Income Quality	- 0.88	Capex To Operating Cash Flow
Income Quality	- 0.87	Pfcf Ratio
Income Quality	- 0.87	Pocfratio
Income Quality	- 0.86	Capex To Revenue
Pb Ratio	- 0.8	Book Value Per Share