Bread Financial Inc. (BFH)
Bread Financial Statistics
Share Statistics
Bread Financial has 49.09M shares outstanding. The number of shares has increased by 0.59% in one year.
| Shares Outstanding | 49.09M |
| Shares Change (YoY) | 0.59% |
| Shares Change (QoQ) | 0.08% |
| Owned by Institutions (%) | 99.99% |
| Shares Floating | 47.76M |
| Failed to Deliver (FTD) Shares | 39 |
| FTD / Avg. Volume | 0.01% |
Short Selling Information
The latest short interest is 1.87M, so 3.77% of the outstanding shares have been sold short.
| Short Interest | 1.87M |
| Short % of Shares Out | 3.77% |
| Short % of Float | 3.86% |
| Short Ratio (days to cover) | 3.17 |
Valuation Ratios
The PE ratio is 10.93 and the forward PE ratio is 9.33. Bread Financial's PEG ratio is -0.18.
| PE Ratio | 10.93 |
| Forward PE | 9.33 |
| PS Ratio | 0.6 |
| Forward PS | 0.6 |
| PB Ratio | 0.99 |
| P/FCF Ratio | 1.63 |
| PEG Ratio | -0.18 |
Enterprise Valuation
Bread Financial Inc. has an Enterprise Value (EV) of 3.49B.
| EV / Earnings | 12.6 |
| EV / Sales | 0.69 |
| EV / EBITDA | 2.44 |
| EV / EBIT | 12.51 |
| EV / FCF | 1.88 |
Financial Position
The company has a current ratio of 6.39, with a Debt / Equity ratio of 1.86.
| Current Ratio | 6.39 |
| Quick Ratio | 6.39 |
| Debt / Equity | 1.86 |
| Total Debt / Capitalization | 65.08 |
| Cash Flow / Debt | 0.33 |
| Interest Coverage | 0.29 |
Financial Efficiency
Return on equity (ROE) is 0.09% and return on capital (ROIC) is 2.34%.
| Return on Equity (ROE) | 0.09% |
| Return on Assets (ROA) | 0.01% |
| Return on Capital (ROIC) | 2.34% |
| Revenue Per Employee | $837,333.33 |
| Profits Per Employee | $46,166.67 |
| Employee Count | 6,000 |
| Asset Turnover | 0.22 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | 102M |
| Effective Tax Rate | 0.27 |
Stock Price Statistics
The stock price has increased by 38.64% in the last 52 weeks. The beta is 1.96, so Bread Financial's price volatility has been higher than the market average.
| Beta | 1.96 |
| 52-Week Price Change | 38.64% |
| 50-Day Moving Average | 60.81 |
| 200-Day Moving Average | 53.13 |
| Relative Strength Index (RSI) | 25.39 |
| Average Volume (20 Days) | 675.21K |
Income Statement
In the last 12 months, Bread Financial had revenue of 5.02B and earned 277M in profits. Earnings per share was 5.58.
| Revenue | 5.02B |
| Gross Profit | 5.02B |
| Operating Income | 279M |
| Net Income | 277M |
| EBITDA | 1.43B |
| EBIT | 279M |
| Earnings Per Share (EPS) | 5.58 |
Balance Sheet
The company has 3.68B in cash and 5.68B in debt, giving a net cash position of -2.01B.
| Cash & Cash Equivalents | 3.68B |
| Total Debt | 5.68B |
| Net Cash | -2.01B |
| Retained Earnings | 999M |
| Total Assets | 22.89B |
| Working Capital | 3.1B |
Cash Flow
In the last 12 months, operating cash flow was 1.86B and capital expenditures 0, giving a free cash flow of 1.86B.
| Operating Cash Flow | 1.86B |
| Capital Expenditures | 0 |
| Free Cash Flow | 1.86B |
| FCF Per Share | 37.48 |
Margins
Gross margin is 100%, with operating and profit margins of 5.55% and 5.51%.
| Gross Margin | 100% |
| Operating Margin | 5.55% |
| Pretax Margin | 7.58% |
| Profit Margin | 5.51% |
| EBITDA Margin | 28.48% |
| EBIT Margin | 5.55% |
| FCF Margin | 37% |
Dividends & Yields
BFH pays an annual dividend of $0.84, which amounts to a dividend yield of 1.35%.
| Dividend Per Share | $0.84 |
| Dividend Yield | 1.35% |
| Dividend Growth (YoY) | 0% |
| Payout Ratio | 15.16% |
| Earnings Yield | 10.76% |
| FCF Yield | 73.03% |
Analyst Forecast
The average price target for BFH is $55, which is 6.1% higher than the current price. The consensus rating is "Hold".
| Price Target | $55 |
| Price Target Difference | 6.1% |
| Analyst Consensus | Hold |
| Analyst Count | 16 |
Stock Splits
The last stock split was on Nov 8, 2021. It was a forward split with a ratio of 1253:1000.
| Last Split Date | Nov 8, 2021 |
| Split Type | forward |
| Split Ratio | 1253:1000 |
Scores
| Altman Z-Score | 0.57 |
| Piotroski F-Score | 6 |