Stock BFH BREAD FINANCIAL HOLDINGS, INC.
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Financials Bread Financial Holdings, Inc.

Equities

BFH

US0185811082

Consumer Lending

Real-time Estimate Cboe BZX
Other stock markets
 12:33:35 2024-07-10 pm EDT 		5-day change 1st Jan Change
44.96 USD -2.36% Intraday chart for Bread Financial Holdings, Inc. -0.94% +36.51%
Jul. 09 Jefferies Adjusts Bread Financial Holdings' Price Target to $45 From $35, Keeps Hold Rating MT
Jul. 09 Barclays Adjusts Price Target on Bread Financial to $32 From $26, Maintains Underweight Rating MT

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 5,168 3,677 3,314 1,877 1,625 2,283 - -
Enterprise Value (EV) 1 11,427 9,111 3,314 5,993 1,625 16,589 16,301 16,283
P/E ratio 18.4 x 16.6 x 4.16 x 8.44 x 2.3 x 7.41 x 7.05 x 4.96 x
Yield 2.25% 1.7% 1.26% 2.23% 2.55% 1.82% 1.87% 2.01%
Capitalization / Revenue 0.93 x 0.81 x 0.91 x 0.49 x 0.38 x 0.61 x 0.59 x 0.57 x
EV / Revenue 2.05 x 2.02 x 0.91 x 1.57 x 0.38 x 4.42 x 4.25 x 4.05 x
EV / EBITDA 8.99 x 7.88 x 2.18 x - 1.5 x 43.2 x 35.1 x 28.2 x
EV / FCF 10.6 x 4.98 x 2.27 x 3.37 x - -202 x 1,254 x 76.4 x
FCF Yield 9.41% 20.1% 44% 29.7% - -0.49% 0.08% 1.31%
Price to Book 3.36 x 2.42 x 1.59 x 0.83 x 0.56 x 0.73 x 0.67 x 0.6 x
Nbr of stocks (in thousands) 46,056 49,623 49,785 49,853 49,331 49,584 - -
Reference price 2 112.2 74.10 66.57 37.66 32.94 46.04 46.04 46.04
Announcement Date 1/30/20 1/28/21 1/27/22 1/26/23 1/25/24 - - -
1USD in Million2USD
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 5,581 4,521 3,655 3,826 4,289 3,753 3,840 4,021
EBITDA 1 1,271 1,157 1,519 - 1,084 383.8 464.1 577.1
EBIT 1 1,307 888.4 1,427 1,894 2,197 1,744 1,796 2,019
Operating Margin 23.42% 19.65% 39.04% 49.5% 51.22% 46.48% 46.77% 50.22%
Earnings before Tax (EBT) 1 738.4 394.5 1,044 300 968 401.9 439.1 614.8
Net income 1 310.9 213.7 801 223 718 308.8 321.5 457.4
Net margin 5.57% 4.73% 21.92% 5.83% 16.74% 8.23% 8.37% 11.37%
EPS 2 6.100 4.460 16.02 4.460 14.34 6.216 6.534 9.282
Free Cash Flow 1 1,075 1,829 1,459 1,780 - -82 13 213
FCF margin 19.27% 40.45% 39.92% 46.52% - -2.19% 0.34% 5.3%
FCF Conversion (EBITDA) 84.59% 158.07% 96.05% - - - 2.8% 36.91%
FCF Conversion (Net income) 345.9% 855.73% 182.15% 798.21% - - 4.04% 46.57%
Dividend per Share 2 2.520 1.260 0.8400 0.8400 0.8400 0.8400 0.8590 0.9260
Announcement Date 1/30/20 1/28/21 1/27/22 1/26/23 1/25/24 - - -
1USD in Million2USD
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4 2025 Q1 2025 Q2
Net sales 1 939 921 893 979 1,033 1,289 952 1,031 1,017 991 913.4 934.8 895.6 955.8 923.7
EBITDA 1 171 523 - - - 779 - - 42 532 76 21 -117 - -
EBIT 1 149 495 420 493 485 745 422 529 501 509 411.1 439 373.2 436.3 411.3
Operating Margin 15.87% 53.75% 47.03% 50.36% 46.95% 57.8% 44.33% 51.31% 49.26% 51.36% 45.01% 46.96% 41.67% 45.65% 44.52%
Earnings before Tax (EBT) 1 65 302 16 189 -207 638 86 225 19 188 104.4 95.46 -28.86 118.7 150.1
Net income 1 70 210 12 134 -134 455 48 171 43 134 78.75 81.81 -33.99 94.86 108.8
Net margin 7.45% 22.8% 1.34% 13.69% -12.97% 35.3% 5.04% 16.59% 4.23% 13.52% 8.62% 8.75% -3.79% 9.92% 11.77%
EPS 2 0.3400 4.200 0.2500 2.690 -2.680 9.080 0.9500 3.420 0.8700 2.700 1.587 1.448 -0.6125 1.920 2.196
Dividend per Share 2 0.2100 0.2100 0.2100 0.2100 0.2100 0.2100 0.2100 0.2100 0.2100 - 0.2100 0.2100 0.2100 0.2100 0.2100
Announcement Date 1/27/22 4/28/22 7/28/22 10/27/22 1/26/23 4/27/23 7/27/23 10/26/23 1/25/24 4/25/24 - - - - -
1USD in Million2USD
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt 1 6,260 5,434 - 4,116 - 14,307 14,018 14,000
Net Cash position 1 - - - - - - - -
Leverage (Debt/EBITDA) 4.924 x 4.697 x - - - 37.27 x 30.2 x 24.26 x
Free Cash Flow 1 1,075 1,829 1,459 1,780 - -82 13 213
ROE (net income / shareholders' equity) 15.7% 28.9% 40.7% 9.8% 27.1% 8.95% 9.41% 11.8%
ROA (Net income/ Total Assets) 1.09% 0.87% 3.6% 1% 3.3% 1.14% 1.27% 1.74%
Assets 1 28,442 24,521 22,250 22,300 21,758 27,144 25,243 26,224
Book Value Per Share 2 33.40 30.60 41.80 45.40 58.60 62.90 68.40 76.40
Cash Flow per Share 23.90 39.30 - 37.00 - - - -
Capex 1 142 54 84 68 - 100 98 98
Capex / Sales 2.55% 1.19% 2.3% 1.78% - 2.66% 2.55% 2.44%
Announcement Date 1/30/20 1/28/21 1/27/22 1/26/23 1/25/24 - - -
1USD in Million2USD
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Bread Financial Holdings, Inc.

Trading Rating
Investor Rating
ESG Refinitiv
B
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
HOLD
Number of Analysts
17
Last Close Price
46.04 USD
Average target price
44.79 USD
Spread / Average Target
-2.72%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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