NYSE: BFH - Bread Financial Holdings, Inc.

Yield per half year: +49.8%
Sector: Financials

Reporting Bread Financial Holdings, Inc.

Capitalization

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 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
Выручка, млрд $
6.44 7.14 7.72 7.79 5.58 4.52 3.27 3.83 4.3 4.3
Чистая прибыль, млрд $
0.5943 0.5158 0.7887 0.9631 0.5726 0.295 0.801 0.223 0.718 0.718
EV, млрд $
24.31 25.8 16.64 11.06 8.57 7.86 6.11 3.54 3.54
EBIT, млрд $
1.06 0.837 1.08 1.51 0.8822 0.3945 1.04 0.802 1.83 1.83
EBITDA, млрд $
1.55 1.35 1.58 2 1.13 0.5783 1.17 0.915 1.94 1.94
Баланс стоимость, млрд $
2.01 1.66 1.86 5.01 5.16 4.83 -0.087 2.27 2.92 2.92
FCF, млрд $
1.44 1.88 2.38 2.56 1.08 1.83 1.46 1.78 1.94 1.94
Операционный денежный поток, млрд $
1.63 2.09 2.61 2.75 1.22 1.88 1.54 1.85 1.99 1.99
Операционная прибыль, млрд $
1.26 1.27 1.65 1.89 0.8822 0.3945 1.04 0.802 0.737 0.737
Операционные расходы, млрд $
1.16 1.45 1.64 1.68 1.36 1.45 1.02 0.18 0.161 0.161
CAPEX, млрд $
0.1917 0.207 0.2254 0.1998 0.1423 0.054 0.084 0.068 0.048 0.048


Balance sheet

IFRS
Reporting Annual Quarterly
2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 LTM 5 year average CAGR 5
Наличность, млрд $
1.17 1.86 4.19 3.86 3.87 3.08 3.05 3.89 3.59 3.59
Short Term Investments $
0.1863 0.2663 0.5152 0.5147 0.5615 0.6381 0.239 0.095 0.171 0.171
Long term investments $
0.225 0.224 0.227 0.253
Total Receivables $
13.01 15.6 17.49 17.74 18.29 14.78 0.151 0.164 0.144 0.144
Total Current Assets $
14.64 18.2 23.3 24.71 23.18 18.55 19.86 4.15 3.59 3.59
Чистые активы, млрд $
0.5767 0.586 0.6139 2.33 1.62 1.52 2.09 0.195 2.72 0.195
Активы, млрд $
22.42 25.51 30.68 30.39 26.49 22.55 21.75 25.41 23.14 23.14
Short Term Debt $
1.42 2.45 1.47 2.86 3.15 1.98 11.03 6.29 0.284 0.284
Long Term Debt $
13.81 17.98 15.78 12.21 9.8 18.47 8.01 5.29 5.29
Задолженность, млрд $
20.24 23.86 28.83 28.06 24.87 21.03 19.66 23.14 20.22 20.22
Чистый долг, млрд $
10.39 10.7 10.7 9.53 6.57 5.73 4.53 4.24 1.85 1.85
Долг, млрд $
16.27 19.45 13.39 10.45 8.82 7.57 14.29 5.58 5.58
Interest income $
0.4285 0.4554 0.5423 3.95 3.87 4.68 5.15
Расходы на обслуживание долга $
0.1795 0.2182 0.2827 0.2847 0.13 0.1085 0.383 0.503 0.879 0.879
Чист. проц. доходы, млрд $
0.5423 -0.13 3.95 3.87 4.68 5.15 5.15
Goodwill $
3.87 3.81 3.8 3.88 0.9548 0.9549 1.37 0.634 0.634 0.634
Амортизация, млрд $
0.4921 0.5121 0.4976 0.4873 0.2493 0.1838 0.123 0.113 0.116 0.116
Себестоимость, млрд $
2.96 3.62 4.29 4.85 5 3.08 3.41 2.68 1.59 0.359
Товарно материальные запасы $
-0.0213 0.2713 0.2341 0.2519 0.218 0.1643 16.44 0.618 0.974 0.974


Share

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM 5 year average CAGR 5
EPS 15.05 16.93 18.34 17.48 11.25 6.16 16.02 4.46 14.36 14.36
Цена акции ао 171.06 189.49 177.53 114.11 47.2 78.32 37.66 32.94 50.81 50.81
Число акций ао, млн 61.5 57.9 55.6 55.1 50.9 47.9 50 50 50 50
FCF/акцию 23.34 32.49 42.88 46.37 21.13 38.18 29.18 35.6 38.78 38.78


Efficiency

IFRS
Reporting Annual Quarterly
2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM Industry average 5 year average CAGR 5
ROE, % 29.55 31.11 42.51 46 28.97 18.77 44.41 9.85 24.61 24.61 10.31
ROA, % 2.65 2.02 2.57 3.15 2.01 1.2 3.62 0.8777 3.1 3.1 3.51
ROIC, % 3.04 4.24 6.92 5.94 3.53 6.58 1.6 7.96 7.73
ROS, % 7.23 10.22 17 10.26 6.52 24.48 5.83 16.72 16.72 16.72 20.75
ROCE, % 48.54 50.48 58.27 7.98 3.45 1.83 10.46 35.41 62.65 62.65 -3.10
Рентаб EBITDA, % 24.06 18.9 20.45 25.61 20.27 12.79 35.67 23.92 45.26 45.26 28.95
Чистая рентаб, % 9.23 7.23 10.22 12.36 10.26 6.52 24.48 5.83 16.72 16.72 21.42
Operation Margin, % 17.73 21.32 31.01 15.81 8.73 31.91 20.96 17.16 17.16 17.16 29.14
Доходность FCF, % 9.17 10.27 19 22.63 26.55 19.8 80.05 37.26 74.58 117.83


Coefficients

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM Industry average 5 year average CAGR 5
P/E
23.51 19.2 13.36 7.38 7.83 9.6 4.16 8.36 2.36 2.36 20.03
P/BV
6.95 5.97 5.68 3.05 2.77 1.86 1.6 0.8232 0.5797 0.5797 2.10
P/S
2.17 1.39 1.36 0.9127 0.8034 0.6265 1.02 0.4873 0.3938 0.3938 4.15
P/FCF
5.26 4.42 3.77 5.05 1.25 2.68 1.34 1.05 0.9644 0.9644 7.85
E/P
0.0521 0.0749 0.1001 0.1054 0.1291 0.2045 0.0934 0.4363 0.384 0.384 1.13
EV/EBITDA
18.02 16.34 8.34 9.77 14.81 6.73 6.67 1.82 1.82 -22.88
EV/Ebit
1.94 1.94
EV/S
3.41 3.34 3.39 2.1 1.71 3.54 1.6 0.8246 0.8246 0.8246 5.08
EV/FCF
12.92 10.82 7.51 10.89 4.23 7.95 3.43 1.83 1.83 1.83 6.83
Debt/EBITDA
12.06 12.32 6.71 9.23 15.24 6.49 15.62 2.87 2.87 2.87 -21.37
Netdebt/Ebitda
7.93 6.78 5.62 5.81 9.92 3.88 4.64 0.9516 0.9516 0.9516 -7.63
Debt/Ratio
0.6376 0.6339 0.4404 0.3833 0.3787 0.4931 0.5626 0.241 0.241 0.241 0.20
Debt/Equity
9.81 10.48 5.74 6.26 5.61 5.14 6.31 1.91 28.59 28.59 23.39
Debt/Net Income
31.54 24.66 13.9 17.74 28.95 13.39 64.09 7.77 7.77 7.77 22.72
Бета
-0.1063 3.22 3.22 1.65
Индекс Альтмана
0.9813 0.9038 0.8083 0.671 0.4598 0.6366 0.422 0.5 0.5506 0.5506 4.20


Dividends

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 -0.042 0.044
Дивиденд
0.4148 1.66 1.82 2.01 1.01 0.7125 0.84 0.84 0.42 0.84
Див доход, ао, %
0.2125 0.8883 1.14 2.36 1.51 1.05 2.05 2.19 1.44 2.13 2.37
Дивиденды / прибыль, %
1303.11 5.82 14.64 13 22.25 20.54 5.24 18.83 5.85 5.85 43.79


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Other

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