Bread Financial Inc. (BFH)
Bread Financial Statistics
Share Statistics
Bread Financial has 49.72M shares outstanding. The number of shares has increased by 0.59% in one year.
| Shares Outstanding | 49.72M |
| Shares Change (YoY) | n/a |
| Shares Change (QoQ) | 0.08% |
| Owned by Institutions (%) | n/a |
| Shares Floating | 48.52M |
| Failed to Deliver (FTD) Shares | 41 |
| FTD / Avg. Volume | 0.01% |
Short Selling Information
The latest short interest is 2.21M, so 4.46% of the outstanding shares have been sold short.
| Short Interest | 2.21M |
| Short % of Shares Out | 4.46% |
| Short % of Float | 4.56% |
| Short Ratio (days to cover) | 3.26 |
Valuation Ratios
The PE ratio is 2.28 and the forward PE ratio is 10.43.
| PE Ratio | 2.28 |
| Forward PE | 10.43 |
| PS Ratio | 0.54 |
| Forward PS | 0.7 |
| PB Ratio | 0.56 |
| P/FCF Ratio | 0.83 |
| PEG Ratio | n/a |
Enterprise Valuation
Currently the Enterprise Value (EV) is not available for Bread Financial Inc..
| EV / Earnings | n/a |
| EV / Sales | n/a |
| EV / EBITDA | n/a |
| EV / EBIT | n/a |
| EV / FCF | n/a |
Financial Position
The company has a current ratio of 13.15, with a Debt / Equity ratio of 1.86.
| Current Ratio | 13.15 |
| Quick Ratio | 13.15 |
| Debt / Equity | 1.86 |
| Total Debt / Capitalization | 65.09 |
| Cash Flow / Debt | 0.37 |
| Interest Coverage | 1.81 |
Financial Efficiency
Return on equity (ROE) is 0.25% and return on capital (ROIC) is 14.51%.
| Return on Equity (ROE) | 0.25% |
| Return on Assets (ROA) | 0.03% |
| Return on Capital (ROIC) | 14.51% |
| Revenue Per Employee | 437.14K |
| Profits Per Employee | 102.57K |
| Employee Count | 7.00K |
| Asset Turnover | 0.13 |
| Inventory Turnover | 0 |
Taxes
| Income Tax | 231.00M |
| Effective Tax Rate | 0.24 |
Stock Price Statistics
The stock price has increased by 76.32% in the last 52 weeks. The beta is 1.97, so Bread Financial 's price volatility has been higher than the market average.
| Beta | 1.97 |
| 52-Week Price Change | 76.32% |
| 50-Day Moving Average | 61.16 |
| 200-Day Moving Average | 50.4 |
| Relative Strength Index (RSI) | 57.84 |
| Average Volume (20 Days) | 662.36K |
Income Statement
In the last 12 months, Bread Financial had revenue of 3.06B and earned 718.00M in profits. Earnings per share was 14.42.
| Revenue | 3.06B |
| Gross Profit | 3.06B |
| Operating Income | 1.59B |
| Net Income | 718.00M |
| EBITDA | 0 |
| EBIT | 1.59B |
| Earnings Per Share (EPS) | 14.42 |
Balance Sheet
The company has 3.59B in cash and 5.44B in debt, giving a net cash position of -1.85B.
| Cash & Cash Equivalents | 3.59B |
| Total Debt | 5.44B |
| Net Cash | -1.85B |
| Retained Earnings | 767.00M |
| Total Assets | 21.74B |
| Working Capital | 3.45B |
Cash Flow
In the last 12 months, operating cash flow was 1.99B and capital expenditures 0, giving a free cash flow of 1.99B.
| Operating Cash Flow | 1.99B |
| Capital Expenditures | 0 |
| Free Cash Flow | 1.99B |
| FCF Per Share | 39.9 |
Margins
Gross margin is 100%, with operating and profit margins of 52.06% and 23.46%.
| Gross Margin | 100% |
| Operating Margin | 52.06% |
| Pretax Margin | 31.63% |
| Profit Margin | 23.46% |
| EBITDA Margin | n/a |
| EBIT Margin | 52.06% |
| FCF Margin | 64.93% |
Dividends & Yields
BFH pays an annual dividend of $0.84, which amounts to a dividend yield of 1.3%.
| Dividend Per Share | $0.84 |
| Dividend Yield | 1.3% |
| Dividend Growth (YoY) | 0% |
| Payout Ratio | 13.25% |
| Earnings Yield | 22.57% |
| FCF Yield | 62.57% |
Analyst Forecast
The average price target for BFH is $54, which is -15.5% lower than the current price. The consensus rating is "Hold".
| Price Target | $54 |
| Price Target Difference | -15.5% |
| 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 | 0.61 |
| Piotroski F-Score | 7 |