Bread Financial Holdings, Inc.

NYSE
BFH
Stock
Yield per half year: -18.07%
Dividend yield: 1.6%
Sector: Financials

Bread Financial Holdings, Inc.

70.0070.0063.0063.0056.0056.0049.0049.0042.0042.0035.0035.00Aug '24Aug '24Sep '24Sep '24Oct '24Oct '24Nov '24Nov '24Dec '24Dec '2420252025Feb '25Feb '25Mar '25Mar '25Apr '25Apr '25May '25May '25Jun '25Jun '25

Underestimation

Parameter Grade Value Sector average Difference with sector, % Average for 5 years Difference from average, %
P/E
9/10
11.17 63.37 -82.37% 7.13 +56.7%
P/S 0.8063 3.92 -79.43%
P/BV 1.01 2.7 -62.37%
P/FCF 1.01 1.11 -9.56%
Ev/Ebitda 3.56 -118.14 -103.02%
Ev/S 1.33 4.23 -68.58%
Ev/FCF 2.74 -4.62 -159.43%
E/P 0.1481 5.04 -97.06%

Efficiency

Parameter Grade Value Sector average Difference with sector, % Average for 5 years Difference from average, %
Ebitda margin
9/10
37.29 26.94 38.41% 31.89 +16.93%
ROE 9.28 16.52 -43.8%
ROA 1.2 3.56 -66.22%
ROIC 0 5.2 -100%
ROS 7.22 21.05 -65.7%
ROCE 43.95 13.62 222.68%

Debt

Parameter Grade Value Sector average Difference with sector, % Average for 5 years Difference from average, %
Debt/Ebitda
3/10
3.97 -148.42 -102.68% 7.01 -43.37%
Nеt Debt/Ebitda 1.4 -138.29 -101.01%
Debt/Ratio 0.2484 0.165 50.51%
Debt/Equity 6.5 8.17 -20.4%
Debt/Net Income 20.52 20.03 2.47%

Dividends

Parameter Grade Value Sector average Difference with sector, % Average for 5 years Difference from average, %
Dividend yield
4/10
1.6 2.95 -45.73% 1.7 -5.81%
Number of years of dividend growth 0 5.68 -100%
DSI 0.8571 0.8789 -2.48%
Average dividend growth -11.07 -5.57 98.91%
Average percentage for 5 years 1.7 3.54 -52.08%
Average percentage for payments 835.79 56.02 1391.92%
Difference from average difference in sector -1.35

Growth impulse

Parameter Grade Value Sector average Difference with sector, %
Growth impulse Revenue in 5 years
0/10
-15.11 2545.31 -100.59%
Growth impulse Ebitda in 5 years 147.45 1460.2 -89.9%
Growth impulse Net Income in 5 years -6.1 1513.77 -100.4%
Growth impulse FCF in 5 years 1.66 -226.24 -100.73%
Growth impulse EPS in 5 years -10.76 1488.87 -100.72%
IP Score
4.55/10

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