NYSE: BFH - Bread Financial Holdings, Inc.

Yield per half year: -14.29%
Dividend yield: +1.55%
Sector: Financials

Reporting Bread Financial Holdings, Inc.

Capitalization

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM 5 year average CAGR 5
Капитализация, млрд $
13.97 9.9 10.54 9.62 5.43 2.28 3.92 2.39 1.65 1.87 3.13 -21.20
Выручка, млрд $
7.14 7.72 7.79 5.58 4.52 3.27 3.83 4.29 3.84 3.84 3.95 -3.21
Чистая прибыль, млрд $
0.5158 0.7887 0.9631 0.5726 0.295 0.801 0.223 0.718 0.277 0.277 0.4628 -1.25
EV, млрд $
24.31 25.8 16.64 11.06 8.57 7.86 6.11 3.54 5.1 5.1 6.24 -9.86
EBIT, млрд $
0.837 1.08 1.51 0.8822 0.3945 1.04 0.802 0.968 1.34 1.34 0.9089 27.71
EBITDA, млрд $
1.35 1.58 2 1.13 0.5783 1.17 0.915 1.08 1.43 1.43 1.03 19.85
Баланс стоимость, млрд $
1.66 1.86 5.01 5.16 4.83 -0.087 2.27 2.92 3.05 3.05 2.60 -8.78
FCF, млрд $
1.88 2.38 2.56 1.08 1.83 1.46 1.78 1.99 1.86 1.86 1.78 0.33
Операционный денежный поток, млрд $
2.09 2.61 2.75 1.22 1.88 1.54 1.85 1.99 1.86 1.86 1.82 -0.21
Операционная прибыль, млрд $
1.27 1.65 1.89 0.8822 0.3945 1.04 0.802 1.59 0.279 0.279 0.8211 -6.69
Операционные расходы, млрд $
1.45 1.64 1.68 1.36 1.45 1.02 0.18 1.47 3.84 3.84 1.59 21.50
CAPEX, млрд $
0.1917 0.207 0.2254 0.1998 0.1423 0.054 0.084 0.068 0.048 0.048 0.0793 -19.53


Balance sheet

IFRS
Reporting Annual Quarterly
2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM 5 year average CAGR 5
Наличность, млрд $
1.86 4.19 3.86 3.87 3.08 3.05 3.89 3.59 3.68 3.68 3.46 3.62
Short Term Investments $
0.2663 0.5152 0.5147 0.5615 0.6381 0.239 0.095 0.171 0.17 0.17 0.2626 -23.24
Long term investments $
0.225 0.224 0.227 0.253 0.2323 2.98
Total Receivables $
15.6 17.49 17.74 18.29 14.78 0.151 0.164 0.144 0.145 0.145 3.08 -60.34
Total Current Assets $
18.2 23.3 24.71 23.18 18.55 19.86 4.15 3.59 3.68 3.68 9.97 -27.64
Чистые активы, млрд $
0.5767 0.586 0.6139 2.33 1.62 1.52 2.09 0.195 2.72 0.195 1.63 10.92
Активы, млрд $
25.51 30.68 30.39 26.49 22.55 21.75 25.41 23.14 22.89 22.89 23.15 0.30
Short Term Debt $
1.42 2.45 1.47 2.86 3.15 1.98 11.03 6.29 0.284 0.284 4.55 -38.20
Long Term Debt $
13.81 17.98 15.78 12.21 9.8 18.47 8.01 5.29 5.56 5.56 9.43 -10.72
Задолженность, млрд $
23.86 28.83 28.06 24.87 21.03 19.66 23.14 20.22 19.84 19.84 20.78 -1.16
Чистый долг, млрд $
10.7 10.7 9.53 6.57 5.73 4.53 4.24 1.85 2.01 2.01 3.67 -18.90
Долг, млрд $
16.27 19.45 13.39 10.45 8.82 7.57 14.29 5.44 5.69 5.69 8.36 -8.39
Interest income $
0.4285 0.4554 0.5423 3.95 3.87 4.68 5.15 3.64 56.86
Расходы на обслуживание долга $
0.2182 0.2827 0.2847 0.13 0.1085 0.383 0.503 0.879 0.96 0.96 0.5667 54.66
Чист. проц. доходы, млрд $
0.5423 -0.13 3.95 3.87 4.68 5.15 5.15 3.50 -308.72
Goodwill $
3.87 3.81 3.8 3.88 0.9548 0.9549 1.37 0.634 0.634 0.634 0.8454 -7.86
Амортизация, млрд $
0.5121 0.4976 0.4873 0.2493 0.1838 0.123 0.113 0.116 0.09 0.09 0.1252 -13.31
Себестоимость, млрд $
4.85 5 3.08 3.41 2.68 1.59 0.359 1.23 1.4 1.4 1.45 -12.18
Товарно материальные запасы $
-0.0213 0.2713 0.2341 0.2519 0.218 0.1643 16.44 0.618 0.974 0.974 3.68 34.90


Share

IFRS
Reporting Annual Quarterly
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM 5 year average CAGR 5
EPS 16.93 18.34 17.48 11.25 6.16 16.02 4.46 14.36 5.5 5.5 9.30 -2.24
Цена акции ао 189.49 177.53 114.11 47.2 78.32 37.66 32.94 61.06 51.45 51.45 52.29 -8.06
Число акций ао, млн 57.9 55.6 55.1 50.9 47.9 50 50 50 50.4 50.4 49.66 1.02
FCF/акцию 32.49 42.88 46.37 21.13 38.18 29.18 35.6 39.74 36.88 36.88 35.92 -0.69


Efficiency

IFRS
Reporting Annual Quarterly
2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
ROE, % 31.11 42.51 46 28.97 18.77 44.41 10.25 27.71 9.28 9.28 10.84 22.08 -13.14
ROA, % 2.02 2.57 3.15 2.01 1.2 3.62 0.9459 2.96 1.2 1.2 3.71 1.99 0.00
ROIC, % 3.04 4.24 6.92 5.94 3.53 6.58 1.6 9.11 8.01 5.35 8.93
ROS, % 10.22 17 10.26 6.52 24.48 5.83 16.74 7.22 16.72 7.22 23.12 14.20 -7.34
ROCE, % 58.27 7.98 3.45 1.83 10.46 3.21 4.23 6.01 62.65 6.01 -0.57 17.31 43.05
Ebit margin, % 15.81 6.66 31.91 20.96 22.57 34.94 42.56 34.94 30.59 5.93
Рентаб EBITDA, % 20.45 25.61 20.27 12.79 35.67 23.92 25.27 37.29 45.26 37.29 33.45 33.48 4.88
Чистая рентаб, % 7.23 10.22 12.36 10.26 6.52 24.48 5.83 16.74 7.22 7.22 23.02 12.16 2.06
Operation Margin, % 21.32 31.01 15.81 8.73 31.91 20.96 37.14 7.27 17.16 7.27 34.35 22.89 -11.67
Доходность FCF, % 9.17 10.27 19 22.63 26.55 19.8 80.05 37.26 74.58 117.83 65.90 42.86


Coefficients

IFRS
Reporting Annual Quarterly
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
P/E
19.2 13.36 7.38 7.83 9.6 4.16 8.36 2.36 11.17 11.17 22.00 7.13 3.08
P/BV
5.97 5.68 3.05 2.77 1.86 1.6 0.8232 0.5797 1.01 1.01 2.50 1.17 -11.50
P/S
1.39 1.36 0.9127 0.8034 0.6265 1.02 0.4873 0.3944 0.8063 0.8063 4.83 0.6669 5.18
P/FCF
4.42 3.77 5.05 1.25 2.68 1.34 1.05 0.9644 0.9644 0.9644 7.77 1.40 -18.49
E/P
0.0749 0.1001 0.1054 0.1291 0.2045 0.0934 0.4363 0.384 0.384 0.384 1.16 0.3004 13.43
EV/EBIT
12.44 28.46 7.52 7.61 3.66 3.8 1.94 3.8 4.91 -23.74
EV/EBITDA
18.02 16.34 8.34 9.77 14.81 6.73 6.67 3.27 3.56 3.56 29.48 7.01 -24.81
EV/S
3.34 3.39 2.1 1.71 3.54 1.6 0.8257 1.33 0.8246 1.33 5.45 1.62 -25.28
EV/FCF
10.82 7.51 10.89 4.23 7.95 3.43 1.78 2.74 1.83 2.74 11.12 3.55 -25.46
Debt/EBITDA
12.32 6.71 9.23 15.24 6.49 15.62 5.02 3.97 2.87 3.97 -6.06 6.79 -15.06
Netdebt/Ebitda
6.78 5.62 5.81 9.92 3.88 4.64 1.71 1.4 0.9516 1.4 -6.58 2.52 -24.50
Debt/Ratio
0.6339 0.4404 0.3833 0.3787 0.4931 0.5626 0.2351 0.2484 0.241 0.2484 0.19 0.3560 -13.34
Debt/Equity
10.48 5.74 6.26 5.61 5.14 6.31 1.86 1.86 6.93 1.86 7.45 4.42 6.16
Debt/Net Income
24.66 13.9 17.74 28.95 13.39 64.09 7.58 20.52 7.77 20.52 20.98 22.67 -10.31
PEG
-0.166 -0.166 -0.1660 0.00
Бета
-0.1063 1.82 0.8532 0.8532 -0.07 0.8556 -300.22
Индекс Альтмана
0.9038 0.8083 0.671 0.4598 0.6366 0.422 0.5 0.5506 0.5506 0.5506 4.38 0.5320 -2.86


Dividends

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
Див.выплата, млрд
7.74 0.03 0.1252 0.1274 0.0606 0.042 0.043 0.042 0.043 0.044 0.0461 -6.63
Дивиденд
0.4148 1.66 1.82 2.01 1.01 0.7125 0.84 0.84 0.84 0.84 0.8485 -3.62
Див доход, ао, %
0.2125 0.8883 1.14 2.36 1.51 1.05 2.05 2.19 1.33 1.55 2.34 1.63 -2.51
Дивиденды / прибыль, %
5.82 14.64 13 22.25 20.54 5.24 19.28 5.85 15.52 15.52 44.83 13.29 -5.45
Dividend Coverage Ratio
16.32 16.32 16.32 0.00


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Other

IFRS
Reporting Annual
2023 2024 CAGR 5
Персонал, чел
7500 7000 -3.39