Bread Roic vs Income Quality Analysis

BFH Stock

USD 62.29 0.47 0.75%

Bread Financial financial indicator trend analysis is way more than just evaluating Bread Financial Holdings prevailing accounting drivers to predict future trends. We encourage investors to analyze account correlations over time for multiple indicators to determine whether Bread Financial Holdings is a good investment. Please check the relationship between Bread Financial Roic and its Income Quality accounts. 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.

Roic vs Income Quality

Roic vs Income Quality Correlation Analysis

The overlapping area represents the amount of trend that can be explained by analyzing historical patterns of Bread Financial Holdings Roic account and Income Quality. At this time, the significance of the direction appears to have almost no relationship.

The correlation between Bread Financial's Roic and Income Quality is 0.11. Overlapping area represents the amount of variation of Roic that can explain the historical movement of Income Quality in the same time period over historical financial statements of Bread Financial Holdings, assuming nothing else is changed. The correlation between historical values of Bread Financial's Roic and Income Quality is a relative statistical measure of the degree to which these accounts tend to move together. The correlation coefficient measures the extent to which Roic of Bread Financial Holdings are associated (or correlated) with its Income Quality. Values of the correlation coefficient range from -1 to +1, where. The correlation of zero (0) is possible when Income Quality has no effect on the direction of Roic i.e., Bread Financial's Roic and Income Quality go up and down completely randomly.

Correlation Coefficient

0.11

Relationship Direction	Positive
Relationship Strength	Insignificant

View All Relationships

Roic

Return on Invested Capital, a profitability ratio that measures the return that an investment generates for those who have provided capital, such as debt holders and equity holders.

Income Quality

An assessment of the sustainability of a company's earnings over time, considering factors like revenue source diversification and cost structure.

Most indicators from Bread Financial's fundamental ratios are interrelated and interconnected. However, analyzing fundamental ratios indicators 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 fundamental ratios indicators, 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.

As of now, Bread Financial's Selling General Administrative is increasing as compared to previous years. The Bread Financial's current Sales General And Administrative To Revenue is estimated to increase to 0.30, while Tax Provision is projected to decrease to under 169.3 M.

	2021	2022	2023	2024 (projected)
Total Revenue	3.3B	3.8B	3.1B	3.5B
Depreciation And Amortization	92M	113M	116M	208.8M

Total Revenue Depreciation And Amortization

Bread Financial fundamental ratios Correlations

	Total Assets	Total Stockholder Equity	Net Debt	Cash	Non Current Assets Total	Non Currrent Assets Other	Other Assets	Cash And Short Term Investments	Common Stock Shares Outstanding	Total Current Assets	Good Will	Short Long Term Debt Total	Other Current Liab	Total Current Liabilities	Property Plant And Equipment Net	Current Deferred Revenue	Retained Earnings	Accounts Payable	Net Receivables	Non Current Liabilities Total	Inventory	Other Current Assets	Other Stockholder Equity	Total Liab	Short Term Debt	Intangible Assets
Total Assets		0.62	0.74	0.75	0.49	0.5	0.09	0.75	0.04	0.74	0.32	0.85	0.29	0.39	0.56	-0.16	0.61	0.87	0.58	0.65	0.06	0.12	-0.27	1.0	0.41	0.04
Total Stockholder Equity	0.62		0.27	0.72	0.07	-0.02	0.63	0.72	-0.23	0.17	0.04	0.48	0.11	0.01	0.38	-0.29	0.07	0.6	-0.03	0.28	0.05	0.61	0.39	0.6	0.04	-0.05
Net Debt	0.74	0.27		0.22	0.89	0.82	-0.4	0.22	0.48	0.78	0.75	0.7	0.45	0.62	0.83	0.2	0.73	0.8	0.81	0.7	-0.04	-0.21	-0.54	0.74	0.18	0.55
Cash	0.75	0.72	0.22		-0.1	0.0	0.51	1.0	-0.43	0.42	-0.22	0.67	0.01	-0.01	0.1	-0.34	0.29	0.53	0.17	0.33	0.08	0.37	0.05	0.76	0.31	-0.48
Non Current Assets Total	0.49	0.07	0.89	-0.1		0.87	-0.56	-0.11	0.66	0.62	0.92	0.39	0.42	0.61	0.85	0.43	0.66	0.69	0.79	0.68	-0.15	-0.22	-0.57	0.49	-0.04	0.8
Non Currrent Assets Other	0.5	-0.02	0.82	0.0	0.87		-0.63	-0.01	0.53	0.78	0.62	0.42	0.35	0.61	0.53	0.56	0.86	0.53	0.91	0.68	-0.14	-0.33	-0.8	0.52	-0.01	0.48
Other Assets	0.09	0.63	-0.4	0.51	-0.56	-0.63		0.51	-0.45	-0.52	-0.46	-0.1	-0.35	-0.52	-0.22	-0.51	-0.45	0.05	-0.58	-0.3	-0.23	0.79	0.69	0.07	0.12	-0.44
Cash And Short Term Investments	0.75	0.72	0.22	1.0	-0.11	-0.01	0.51		-0.43	0.42	-0.23	0.67	0.01	-0.01	0.1	-0.35	0.28	0.53	0.16	0.32	0.09	0.37	0.06	0.76	0.32	-0.48
Common Stock Shares Outstanding	0.04	-0.23	0.48	-0.43	0.66	0.53	-0.45	-0.43		0.2	0.65	-0.01	0.33	0.47	0.52	0.34	0.23	0.19	0.38	0.25	-0.11	-0.31	-0.31	0.05	-0.03	0.63
Total Current Assets	0.74	0.17	0.78	0.42	0.62	0.78	-0.52	0.42	0.2		0.36	0.82	0.46	0.64	0.46	0.2	0.8	0.58	0.82	0.68	0.3	-0.4	-0.66	0.76	0.24	0.1
Good Will	0.32	0.04	0.75	-0.22	0.92	0.62	-0.46	-0.23	0.65	0.36		0.22	0.35	0.47	0.92	0.39	0.42	0.64	0.58	0.63	-0.19	-0.11	-0.36	0.31	-0.17	0.9
Short Long Term Debt Total	0.85	0.48	0.7	0.67	0.39	0.42	-0.1	0.67	-0.01	0.82	0.22		0.55	0.59	0.5	-0.32	0.45	0.69	0.47	0.42	0.46	-0.18	-0.19	0.85	0.49	-0.04
Other Current Liab	0.29	0.11	0.45	0.01	0.42	0.35	-0.35	0.01	0.33	0.46	0.35	0.55		0.93	0.47	-0.12	-0.02	0.4	0.11	0.1	0.64	-0.44	0.08	0.28	0.07	0.28
Total Current Liabilities	0.39	0.01	0.62	-0.01	0.61	0.61	-0.52	-0.01	0.47	0.64	0.47	0.59	0.93		0.53	0.09	0.26	0.47	0.4	0.3	0.49	-0.49	-0.23	0.39	0.14	0.35
Property Plant And Equipment Net	0.56	0.38	0.83	0.1	0.85	0.53	-0.22	0.1	0.52	0.46	0.92	0.5	0.47	0.53		0.14	0.38	0.82	0.51	0.65	-0.03	0.02	-0.16	0.55	-0.04	0.77
Current Deferred Revenue	-0.16	-0.29	0.2	-0.34	0.43	0.56	-0.51	-0.35	0.34	0.2	0.39	-0.32	-0.12	0.09	0.14		0.54	0.0	0.54	0.58	-0.42	-0.11	-0.63	-0.14	-0.68	0.34
Retained Earnings	0.61	0.07	0.73	0.29	0.66	0.86	-0.45	0.28	0.23	0.8	0.42	0.45	-0.02	0.26	0.38	0.54		0.51	0.97	0.79	-0.29	-0.18	-0.89	0.63	0.03	0.19
Accounts Payable	0.87	0.6	0.8	0.53	0.69	0.53	0.05	0.53	0.19	0.58	0.64	0.69	0.4	0.47	0.82	0.0	0.51		0.55	0.7	-0.11	0.19	-0.19	0.86	0.15	0.4
Net Receivables	0.58	-0.03	0.81	0.17	0.79	0.91	-0.58	0.16	0.38	0.82	0.58	0.47	0.11	0.4	0.51	0.54	0.97	0.55		0.79	-0.25	-0.31	-0.9	0.61	0.05	0.37
Non Current Liabilities Total	0.65	0.28	0.7	0.33	0.68	0.68	-0.3	0.32	0.25	0.68	0.63	0.42	0.1	0.3	0.65	0.58	0.79	0.7	0.79		-0.2	0.05	-0.6	0.66	-0.24	0.35
Inventory	0.06	0.05	-0.04	0.08	-0.15	-0.14	-0.23	0.09	-0.11	0.3	-0.19	0.46	0.64	0.49	-0.03	-0.42	-0.29	-0.11	-0.25	-0.2		-0.4	0.29	0.05	0.22	-0.23
Other Current Assets	0.12	0.61	-0.21	0.37	-0.22	-0.33	0.79	0.37	-0.31	-0.4	-0.11	-0.18	-0.44	-0.49	0.02	-0.11	-0.18	0.19	-0.31	0.05	-0.4		0.44	0.11	-0.06	-0.16
Other Stockholder Equity	-0.27	0.39	-0.54	0.05	-0.57	-0.8	0.69	0.06	-0.31	-0.66	-0.36	-0.19	0.08	-0.23	-0.16	-0.63	-0.89	-0.19	-0.9	-0.6	0.29	0.44		-0.31	0.0	-0.19
Total Liab	1.0	0.6	0.74	0.76	0.49	0.52	0.07	0.76	0.05	0.76	0.31	0.85	0.28	0.39	0.55	-0.14	0.63	0.86	0.61	0.66	0.05	0.11	-0.31		0.42	0.02
Short Term Debt	0.41	0.04	0.18	0.31	-0.04	-0.01	0.12	0.32	-0.03	0.24	-0.17	0.49	0.07	0.14	-0.04	-0.68	0.03	0.15	0.05	-0.24	0.22	-0.06	0.0	0.42		-0.25
Intangible Assets	0.04	-0.05	0.55	-0.48	0.8	0.48	-0.44	-0.48	0.63	0.1	0.9	-0.04	0.28	0.35	0.77	0.34	0.19	0.4	0.37	0.35	-0.23	-0.16	-0.19	0.02	-0.25

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Bread Financial Account Relationship Matchups

Bread Financial fundamental ratios Accounts

	2019	2020	2021	2022	2023	2024 (projected)
Total Assets	26.5B	22.5B	21.7B	25.4B	23.1B	13.6B
Total Stockholder Equity	1.6B	1.5B	2.1B	2.3B	2.9B	3.1B
Net Debt	6.6B	5.7B	4.5B	4.2B	1.9B	1.8B
Cash	3.9B	3.1B	3.0B	3.9B	3.6B	3.8B
Non Current Assets Total	3.3B	4.0B	1.9B	1.3B	929M	882.6M
Non Currrent Assets Other	1.9B	2.3B	299M	(743M)	(351M)	(333.5M)
Other Assets	727.3M	807M	817M	19.9B	18.6B	19.6B
Cash And Short Term Investments	3.9B	3.1B	3.1B	4.0B	3.6B	3.8B
Common Stock Shares Outstanding	55.9M	55.1M	50M	47.9M	45M	49.3M
Liabilities And Stockholders Equity	26.5B	22.5B	21.7B	25.4B	23.1B	13.6B
Total Current Assets	23.2B	18.6B	19.9B	4.2B	3.6B	3.4B
Good Will	954.8M	954.9M	1.4B	634M	729.1M	692.6M
Short Long Term Debt Total	15.4B	11.8B	21.8B	14.3B	5.4B	7.6B
Other Current Liab	(3.5B)	(2.3B)	11.5B	(398M)	(435M)	(413.3M)
Total Current Liabilities	922M	1.0B	11.8B	398M	273M	259.4M
Property Plant And Equipment Net	264.3M	233.2M	312M	283M	265M	296.1M
Current Deferred Revenue	922M	1.0B	(3.3B)	(5.9B)	138M	193.4M
Retained Earnings	5.2B	4.8B	(87M)	93M	767M	728.7M
Accounts Payable	300.8M	328.2M	291M	398M	422M	271.1M
Net Receivables	18.3B	14.8B	151M	164M	144M	136.8M
Non Current Liabilities Total	24.0B	20.0B	7.9B	398M	20.0B	10.7B
Inventory	218M	164.3M	16.4B	(618M)	(974M)	(925.3M)
Other Current Assets	268.4M	534.9M	151M	618M	830M	871.5M
Other Stockholder Equity	(3.4B)	(3.3B)	2.2B	2.2B	2.2B	2.3B
Total Liab	24.9B	21.0B	19.7B	23.1B	20.2B	13.3B
Accumulated Other Comprehensive Income	(99.9M)	(5M)	(2M)	(21M)	(19M)	(20.0M)
Short Term Debt	3.2B	2.0B	3.3B	6.3B	284M	269.8M
Intangible Assets	153.3M	81.7M	53M	165M	128M	121.6M
Other Liab	795M	531.8M	449M	479M	431.1M	758.2M
Net Tangible Assets	406.1M	811M	1.4B	1.5B	1.7B	1.8B
Short Term Investments	561.5M	638.1M	239M	95M	171M	283.3M
Property Plant Equipment	472.6M	332M	312M	195M	175.5M	328.9M
Long Term Debt	7.0B	6.6B	7.4B	8.0B	5.3B	7.7B
Long Term Debt Total	12.2B	9.8B	18.5B	8.0B	7.2B	11.0B
Capital Surpluse	3.3B	3.4B	2.2B	2.2B	2.0B	2.3B
Cash And Equivalents	3.9B	3.1B	3.0B	3.9B	4.5B	3.7B
Net Invested Capital	11.7B	10.0B	9.5B	10.3B	8.2B	8.7B

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V	Visa Class A

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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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.

You can also try the Positions Ratings module to determine portfolio positions ratings based on digital equity recommendations. Macroaxis instant position ratings are based on combination of fundamental analysis and risk-adjusted market performance.

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 Roic vs Income Quality Analysis

Roic vs Income Quality

Roic vs Income Quality Correlation Analysis

Correlation Coefficient

Roic

Income Quality

Bread Financial fundamental ratios Correlations

Bread Financial Account Relationship Matchups

High Positive Relationship

High Negative Relationship

Bread Financial fundamental ratios Accounts

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COMMON DESTINATIONS

MAIN CATEGORIES

COMPANY

Total Liab	+ 1.0	Total Assets
Cash And Short Term Investments	+ 1.0	Cash
Net Receivables	+ 0.97	Retained Earnings
Total Current Liabilities	+ 0.93	Other Current Liab
Good Will	+ 0.92	Non Current Assets Total
Property Plant And Equipment Net	+ 0.92	Good Will

Other Stockholder Equity	- 0.9	Net Receivables
Other Stockholder Equity	- 0.89	Retained Earnings
Other Stockholder Equity	- 0.8	Non Currrent Assets Other
Short Term Debt	- 0.68	Current Deferred Revenue
Other Stockholder Equity	- 0.66	Total Current Assets
Other Stockholder Equity	- 0.63	Current Deferred Revenue