USD 61.53
| ticker | 1 day return % | 1 week return % | 1 month return % | 3 months return % | 6 months return % | 1 year return % | 3 years return % | 5 years return % | 10 years return % | maximum return % |
|---|---|---|---|---|---|---|---|---|---|---|
| BFH | 1.1 | 5.1 | -5.5 | 16.5 | 19.3 | 104.4 | -10.9 | -31.7 | -73.7 | 450.9 |
| S&P 500 | 1.0 | 1.8 | -0.9 | 2.7 | 7.3 | 26.5 | 31.0 | 80.1 | 196.5 | 33856.2 |
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| Attribute | Value |
|---|---|
| symbol | BFH |
| name | Bread Financial Holdings, Inc. |
| price | 61.53 |
| changes percentage | 1.0843 |
| change | 0.66 |
| day low | 60.99 |
| day high | 61.82 |
| year high | 66.71 |
| year low | 28 |
| market cap | 3058970103 |
| price avg 50 | 60.3904 |
| price avg 200 | 49.55655 |
| exchange | NYSE |
| volume | 305235 |
| avg volume | 685836 |
| open | 61.69 |
| previous close | 60.87 |
| eps | 6.34 |
| pe | 9.71 |
| earnings announcement | 2025-01-30T13:30:00.000+0000 |
| shares outstanding | 49715100 |
| timestamp | 2025-01-17 21:00:02 |
We derive the score of a company's financial statements by evaluating the weighted average sentiment across key within the statements. The cumulative score, normalized to a sum of 1, serves as a metric for assessing the company's performance during the specified period. A higher score indicates stronger performance. However, it's crucial to note that while this score provides valuable insights, it is just one of many factors to consider when making informed investment decisions. A holistic evaluation, considering various aspects of the company's financial health and market conditions, is essential for a well-rounded investment strategy.
| 2023 | 2022 | Y/Y change % | |
|---|---|---|---|
| 0001101215 | |||
| revenue | 3060000000 | 3870000000 | -20.93 |
| gross profit | 3060000000 | 3870000000 | -20.93 |
| gross profit ratio | 1 | 1 | 0.00 |
| research and development expenses | 0 | 0 | NaN |
| operating expenses | 1467000000 | 180000000 | 715.00 |
| interest income | 5145000000 | 4684000000 | 9.84 |
| interest expense | 879000000 | 503000000 | 74.75 |
| ebitda | 0 | 0 | NaN |
| ebitdaratio | 0 | 0.24 | -100.00 |
| operating income | 1593000000 | 802000000 | 98.63 |
| operating income ratio | 0.52 | 0.21 | 151.21 |
| net income | 718000000 | 223000000 | 221.97 |
| net income ratio | 0.23 | 0.06 | 307.20 |
| eps | 14.42 | 4.47 | 222.60 |
Revenue Growth: revenue decreased to 3,060 million in 2023 from 3,870 million in 2022 representing a change of -20.93%. This indicates a sales shrinking, which is a negative sign for the company.
Gross Profit: Gross Profit decreased to 3,060 million in 2023 from 3,870 million in 2022 representing a change of -20.93%. This indicates a sales profitability decline, which is a negative sign for the company.
Operating Income: Operating income decreased to 1,593 million in 2023 from 802 million in 2022 representing a change of 98.63%. The decrease in operating income indicates worse operational performance and decreased profitability.
Operating Expenses: Operating Expenses decreased to 1,467 million in 2023 from 180 million in 2022 representing a change of 715.0%. The decrease in operating expenses can be attributed to various factors such as improved profitability, cost optimization and financial stability, lower operating expenses can be positive indicators.
Net Income: Net income increased to 718 million in 2023 from 223 million in 2022 representing a change of 221.97%. The increase in net income shows improved profitability and indicates that the company is generating more profit for each dollar of revenue.
Earnings per Share (EPS): EPS increased to 14.42 in 2023 from 14.42 in 2022 representing a change of 222.6%. This indicates that the company's earnings are increasing and it is becoming more profitable on a per-share basis.
| 2024Q3 | 2024Q2 | Q/Q change % | |
|---|---|---|---|
| 0001101215 | |||
| revenue | 983000000 | 1175000000 | -16.34 |
| gross profit | 1277000000 | 1228000000 | 3.99 |
| gross profit ratio | 1.3 | 1.05 | 24.30 |
| research and development expenses | 0 | 0 | NaN |
| operating expenses | 983000000 | 226000000 | 334.96 |
| interest income | 1277000000 | 1228000000 | 3.99 |
| interest expense | 240000000 | 241000000 | -0.41 |
| ebitda | 0 | 203000000 | -100.00 |
| ebitdaratio | 0 | 0.38 | -100.00 |
| operating income | 3000000 | 180000000 | -98.33 |
| operating income ratio | 0.0 | 0.15 | -98.01 |
| net income | 2000000 | 133000000 | -98.50 |
| net income ratio | 0.0 | 0.11 | -98.20 |
| eps | 0.04 | 2.68 | -98.50 |
Revenue Growth: revenue increased to 983 million in 2024Q3 from 1,175 million in 2024Q2 representing a change of -16.34%. This indicates a sales growth, which is a positive sign for the company.
Gross Profit: Gross Profit increased to 1,277 million in 2024Q3 from 1,228 million in 2024Q2 representing a change of 3.99%. This indicates a sales profitability growth, which is a positive sign for the company.
Operating Income: Operating income increased to 3 million in 2024Q3 from 180 million in 2024Q2 representing a change of -98.33%. The increase in operating income indicates better operational performance and increased profitability.
Net Income: Net income increased to 2 million in 2024Q3 from 133 million in 2024Q2 representing a change of -98.5%. The increase in net income shows improved profitability and indicates that the company is generating more profit for each dollar of revenue.
Operating Expenses: Operating Expenses increased to 983 million in 2024Q3 from 226 million in 2024Q2 representing a change of 334.96%. The increase in operating expenses can be attributed to various factors such as marketing, administrative costs, and investments in infrastructure. It's important to monitor if these expenses are growing at a sustainable rate compared to revenue.
EBITDA: EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) decreased to 0 million in 2024Q3 from 203 million in 2024Q2 representing a change of -100.0%. The decrease in EBITDA indicates declined operational efficiency and profitability.
Earnings per Share (EPS): EPS increased to 0.04 in 2024Q3 from 0.04 in 2024Q2 representing a change of -98.5%. This indicates that the company's earnings are decreasing and it is becoming less profitable on a per-share basis.
| 2023 | 2022 | Y/Y change % | |
|---|---|---|---|
| 0001101215 | |||
| total assets | 23141000000 | 25407000000 | -8.92 |
| total liabilities | 20223000000 | 23142000000 | -12.61 |
| total equity | 2918000000 | 2265000000 | 28.83 |
| cash and cash equivalents | 3590000000 | 3891000000 | -7.74 |
| short term investments | 171000000 | 95000000 | 80.00 |
| long term investments | 253000000 | 227000000 | 11.45 |
| total current assets | 3590000000 | 4150000000 | -13.49 |
| total non current assets | 18755000000 | 1309000000 | 1332.77 |
| total current liabilities | 273000000 | 398000000 | -31.41 |
| total non current liabilities | 19950000000 | 398000000 | 4912.56 |
| common stock | 1000000 | 1000000 | 0.00 |
| retained earnings | 767000000 | 93000000 | 724.73 |
| total debt | 5440000000 | 8133000000 | -33.11 |
Total Assets: Total Assets decreased to 23,141 million in 2023 from 25,407 million in 2022 representing a change of -8.92%. Suggesting a decrease in asset holdings.
Cash And Cash Equivalents: Cash And Cash Equivalents decreased to 3,590 million in 2023 from 3,891 million in 2022 representing a change of -7.74%. This indicates a decrease in available liquid assets.
Total Current Assets: Total Current Assets decreased to 3,590 million in 2023 from 4,150 million in 2022 representing a change of -13.49%. This indicates a worsen liquidity position.
Total Liabilities: Total Liabilities decreased to 20,223 million in 2023 from 23,142 million in 2022 representing a change of -12.61%. This indicates a decrease in overall liabilities.
Total Equity: Total Equity increased to 2,918 million in 2023 from 2,265 million in 2022 representing a change of 28.83%. This indicates an increase in shareholders' equity.
Short Term Investments: Short Term Investments increased to 171 million in 2023 from 95 million in 2022 representing a change of 80.0%. This indicates an increase in short-term investment holdings.
Total Current Liabilities: Total Current Liabilities decreased to 273 million in 2023 from 398 million in 2022 representing a change of -31.41%. This indicates a lower short-term debt burden.
Retained Earnings: Retained Earnings increased to 767 million in 2023 from 93 million in 2022 representing a change of 724.73%. This indicates an accumulated profits.
Total Debt: Total Debt decreased to 5,440 million in 2023 from 8,133 million in 2022 representing a change of -33.11%. This indicates a reduction in overall debt burden.
| 2024Q3 | 2024Q2 | Q/Q change % | |
|---|---|---|---|
| 0001101215 | |||
| total assets | 21736000000 | 22144000000 | -1.84 |
| total liabilities | 18624000000 | 18974000000 | -1.84 |
| total equity | 3112000000 | 3170000000 | -1.83 |
| cash and cash equivalents | 3451000000 | 4053000000 | -14.85 |
| short term investments | 0 | 178000000 | -100.00 |
| long term investments | 47000000 | 40000000 | 17.50 |
| total current assets | 3451000000 | 4072000000 | -15.25 |
| total non current assets | 949000000 | 18072000000 | -94.75 |
| total current liabilities | 0 | 2304000000 | -100.00 |
| total non current liabilities | 4584000000 | 16670000000 | -72.50 |
| common stock | 1000000 | 1000000 | 0.00 |
| retained earnings | 1003000000 | 1012000000 | -0.89 |
| total debt | 4584000000 | 4754000000 | -3.58 |
Total Assets: Total Assets decreased to 21,736 million in 2024Q3 from 22,144 million in 2024Q2 representing a change of -1.84%. Suggesting a decrease in asset holdings.
Total Equity: Total Equity decreased to 3,112 million in 2024Q3 from 3,170 million in 2024Q2 representing a change of -1.83%. This indicates a decrease in shareholders' equity.
Cash And Cash Equivalents: Cash And Cash Equivalents decreased to 3,451 million in 2024Q3 from 4,053 million in 2024Q2 representing a change of -14.85%. This indicates a decrease in available liquid assets.
Short Term Investments: Short Term Investments decreased to 0 million in 2024Q3 from 178 million in 2024Q2 representing a change of -100.0%. This indicates a decrease in short-term investment holdings.
Total Current Assets: Total Current Assets decreased to 3,451 million in 2024Q3 from 4,072 million in 2024Q2 representing a change of -15.25%. This indicates a worsen liquidity position.
Retained Earnings: Retained Earnings decreased to 1,003 million in 2024Q3 from 1,012 million in 2024Q2 representing a change of -0.89%. This indicates an accumulated losses.
Total Liabilities: Total Liabilities decreased to 18,624 million in 2024Q3 from 18,974 million in 2024Q2 representing a change of -1.84%. This indicates a decrease in overall liabilities.
Total Current Liabilities: Total Current Liabilities decreased to 0 million in 2024Q3 from 2,304 million in 2024Q2 representing a change of -100.0%. This indicates a lower short-term debt burden.
Total Debt: Total Debt decreased to 4,584 million in 2024Q3 from 4,754 million in 2024Q2 representing a change of -3.58%. This indicates a reduction in overall debt burden.
| 2023 | 2022 | Y/Y change % | |
|---|---|---|---|
| 0001101215 | |||
| net change in cash | -311000000 | 4000000 | -7875.00 |
| operating cash flow | 1987000000 | 1848000000 | 7.52 |
| free cash flow | 1987000000 | 1780000000 | 11.63 |
| capital expenditure | 0 | -68000000 | 100.00 |
| depreciation and amortization | 116000000 | 113000000 | 2.65 |
| deferred income tax | -68000000 | -245000000 | 72.24 |
| stock based compensation | 44000000 | 33000000 | 33.33 |
| accounts payables | 0 | 0 | NaN |
| inventory | 0 | 0 | NaN |
| acquisitions net | 0 | 0 | NaN |
| investments in property plant and equipment | 0 | -68000000 | 100.00 |
| net cash used for investing activites | 788000000 | -5111000000 | 115.42 |
| debt repayment | -2696000000 | 560000000 | -581.43 |
| common stock issued | 0 | 0 | NaN |
| common stock repurchased | -35000000 | -12000000 | -191.67 |
| dividends paid | -42000000 | -43000000 | 2.33 |
| net cash used provided by financing activities | -3086000000 | 3267000000 | -194.46 |
| cash at end of period | 3616000000 | 3927000000 | -7.92 |
| accounts receivables | 0 | 0 | NaN |
| cash at beginning of period | 3927000000 | 3923000000 | 0.10 |
Net Change in Cash: Net Change in Cash decreased to -311 million in 2023 from 4 million in 2022 representing a change of -7875.0%. Indicating a declined ability to generate cash from the company's operations or its cash flow position.
Capital Expenditure: Capital Expenditure increased to 0 million in 2023 from -68 million in 2022 representing a change of 100.0%. This indicates an increase in the cash outflow required for acquiring or improving long-term assets.
Deferred Income Tax: Deferred Income Tax increased to -68 million in 2023 from -245 million in 2022 representing a change of 72.24%. This indicates that the company's tax liability for future periods has increased.
Stock-Based Compensation: Stock-Based Compensation increased to 44 million in 2023 from 33 million in 2022 representing a change of 33.33%. This indicates increased expenses, which is generally considered a negative sign from a financial perspective.
Operating Cash Flow: Operating Cash Flow increased to 1,987 million in 2023 from 1,848 million in 2022 representing a change of 7.52%. This indicates that the company generated more cash from its core business operations.
Free Cash Flow: Free Cash Flow increased to 1,987 million in 2023 from 1,780 million in 2022 representing a change of 11.63%. This indicates an increase in cash generated after accounting for capital expenditures.
Dividends Paid: Dividends Paid increased to -42 million in 2023 from -43 million in 2022 representing a change of 2.33%. This indicates a stronger financial position, more confidence in future prospects, and a better commitment to returning value to shareholders.
| 2024Q3 | 2024Q2 | Q/Q change % | |
|---|---|---|---|
| 0001101215 | |||
| operating cash flow | 456000000 | 477000000 | -4.40 |
| free cash flow | 482000000 | 468000000 | 2.99 |
| capital expenditure | 26000000 | -9000000 | 388.89 |
| depreciation and amortization | 22000000 | 23000000 | -4.35 |
| deferred income tax | -19000000 | 11000000 | -272.73 |
| stock based compensation | 13000000 | 13000000 | 0.00 |
| accounts receivables | 0 | 0 | NaN |
| accounts payables | 0 | 0 | NaN |
| inventory | 0 | 0 | NaN |
| acquisitions net | 0 | 0 | NaN |
| investments in property plant and equipment | 26000000 | -9000000 | 388.89 |
| net cash used for investing activites | -569000000 | 31000000 | -1935.48 |
| debt repayment | -329000000 | 101000000 | -425.74 |
| common stock issued | 0 | 0 | NaN |
| common stock repurchased | 0 | 0 | NaN |
| dividends paid | -10000000 | -11000000 | 9.09 |
| net cash used provided by financing activities | -488000000 | -244000000 | -100.00 |
| net change in cash | -601000000 | 264000000 | -327.65 |
| cash at end of period | 3471000000 | 4072000000 | -14.76 |
| cash at beginning of period | 4072000000 | 3808000000 | 6.93 |
Net Change in Cash: Net Change in Cash decreased to -601 million in 2024Q3 from 264 million in 2024Q2 representing a change of -327.65%. Indicating a declined ability to generate cash from the company's operations or its cash flow position.
Operating Cash Flow: Operating Cash Flow decreased to 456 million in 2024Q3 from 477 million in 2024Q2 representing a change of -4.4%. This indicates that the company generated less cash from its core business operations.
Capital Expenditure: Capital Expenditure increased to 26 million in 2024Q3 from -9 million in 2024Q2 representing a change of 388.89%. This indicates an increase in the cash outflow required for acquiring or improving long-term assets.
Free Cash Flow: Free Cash Flow increased to 482 million in 2024Q3 from 468 million in 2024Q2 representing a change of 2.99%. This indicates an increase in cash generated after accounting for capital expenditures.
Dividends Paid: Dividends Paid increased to -10 million in 2024Q3 from -11 million in 2024Q2 representing a change of 9.09%. This indicates a stronger financial position, more confidence in future prospects, and a better commitment to returning value to shareholders.
We save you time by utilizing Generative AI to summarize earnings transcripts. Our summaries provide a clear insight into the company's current performance, future outlook, and overall sentiment expressed during the call. Click on below links to explore more.
Note: The years mentioned below are fiscal years in accounting.
Q3 2024 Earnings call transcript
EPS represents the portion of a company's profit allocated to each outstanding share of common stock. A higher EPS is generally favorable, indicating stronger profitability on a per-share basis.
Positive EPS: A positive EPS signifies that a company is profitable, it is generally viewed positively, supporting stock value and investor confidence.
Negative EPS: Indicates that a company is operating at a loss, which could lead to negative sentiment, potential stock depreciation, and concerns about the company's financial health.
The Next Earning Date represents when the company plans to release its next set of financial results.
An upward trend in EPS suggests consistent growth in earnings, often leading to increased investor confidence. A downward trend may indicate a decline in earnings, potentially decreasing investor confidence and stock value. Fluctuating EPS suggests unpredictable financial performance, warranting cautious investor analysis.
Earnings surprise occurs when a company's actual earnings differ from analysts' expectations. A positive earnings surprise typically reflects better-than-expected performance, potentially leading to stock appreciation. Conversely, a negative earnings surprise can result in stock depreciation. An earnings surprise of zero means the earnings met expectations, which typically has a neutral impact on stock price.
Discover detailed analyst recommendations for stocks, including categories such as Buy, Hold, Sell, Strong Buy, and Strong Sell. These insights are based on thorough analysis of financial and market factors. The consensus is calculated by assigning a numerical score to each recommendation. These scores are then weighted and averaged over a specified period to provide a comprehensive view of the stock's outlook, with the final score determining the overall consensus.
| 2023-12-31 | 2022-12-31 | Y/Y change % | |
|---|---|---|---|
| FY | |||
| calendar year | 2023 | 2022 | NaN |
| revenue per share | 61.45 | 77.56 | -20.77 |
| net income per share | 14.42 | 4.47 | 222.62 |
| operating cash flow per share | 39.9 | 37.03 | 7.74 |
| free cash flow per share | 39.9 | 35.67 | 11.85 |
| cash per share | 75.52 | 79.88 | -5.46 |
| book value per share | 58.59 | 45.39 | 29.09 |
| tangible book value per share | 43.29 | 29.38 | 47.36 |
| shareholders equity per share | 58.59 | 45.39 | 29.09 |
| interest debt per share | 126.89 | 173.07 | -26.68 |
| market cap | 1640412000 | 1879234000.0 | -12.71 |
| enterprise value | 3490412000 | 6121234000 | -42.98 |
| pe ratio | 2.28 | 8.43 | -72.89 |
| price to sales ratio | 0.54 | 0.49 | 10.40 |
| pocfratio | 0.83 | 1.02 | -18.81 |
| pfcf ratio | 0.83 | 1.06 | -21.80 |
| pb ratio | 0.56 | 0.83 | -32.24 |
| ptb ratio | 0.56 | 0.83 | -32.24 |
| ev to sales | 1.14 | 1.58 | -27.88 |
| enterprise value over ebitda | 0 | 0 | NaN |
| ev to operating cash flow | 1.76 | 3.31 | -46.97 |
| ev to free cash flow | 1.76 | 3.44 | -48.92 |
| earnings yield | 0.44 | 0.12 | 268.85 |
| free cash flow yield | 1.21 | 0.95 | 27.88 |
| debt to equity | 1.86 | 3.59 | -48.08 |
| debt to assets | 0.24 | 0.32 | -26.56 |
| net debt to ebitda | 0 | 0 | NaN |
| current ratio | 13.15 | 10.43 | 26.12 |
| interest coverage | 1.81 | 1.59 | 13.66 |
| income quality | 2.77 | 8.29 | -66.61 |
| dividend yield | 0.03 | 0.02 | 11.89 |
| payout ratio | 0.06 | 0.19 | -69.66 |
| sales general and administrative to revenue | 0.28 | 0.2 | 40.76 |
| research and ddevelopement to revenue | 0 | 0 | NaN |
| intangibles to total assets | 0.03 | 0.03 | 4.71 |
| capex to operating cash flow | 0 | 0.04 | -100.00 |
| capex to revenue | 0 | 0.02 | -100.00 |
| capex to depreciation | 0 | 0.6 | -100.00 |
| stock based compensation to revenue | 0.01 | 0.01 | 68.63 |
| graham number | 137.87 | 67.56 | 104.07 |
| roic | 0.05 | 0.12 | -53.56 |
| return on tangible assets | 0.03 | 0.01 | 254.04 |
| graham net net | -330.56 | -390.08 | 15.26 |
| working capital | 3317000000 | 3752000000 | -11.59 |
| tangible asset value | 2156000000 | 1466000000 | 47.07 |
| net current asset value | -16633000000 | -18992000000 | 12.42 |
| invested capital | 4344000000 | 4834000000 | -10.14 |
| average receivables | 0 | 75500000 | -100.00 |
| average payables | 410000000 | 344500000 | 19.01 |
| average inventory | -309000000 | 7913000000 | -103.90 |
| days sales outstanding | 0 | 0 | NaN |
| days payables outstanding | 0 | 0 | NaN |
| days of inventory on hand | 0 | 0 | NaN |
| receivables turnover | 0 | 0 | NaN |
| payables turnover | 0 | 0 | NaN |
| inventory turnover | 0 | 0 | NaN |
| roe | 0.25 | 0.1 | 149.92 |
| capex per share | 0 | 1.36 | -100.00 |
ROE: Return on Equity (ROE) increased to 0.25 on 2023-12-31 from 0.10 on 2022-12-31, representing a change of 149.92%. Suggesting the company has been generating high returns for its shareholders.
PE Ratio: Price-to-Earnings (P/E) Ratio decreased to 2.28 on 2023-12-31 from 8.43 on 2022-12-31, representing a change of -72.89%. Indicating a decrease in the relative valuation of the company's stock.
Current Ratio: Current Ratio increased to 13.15 on 2023-12-31 from 10.43 on 2022-12-31, representing a change of 26.12%. The current ratio has been increasing, suggesting an increase in the company's short-term liquidity. Since it's above 3, indicating poor management of working capital.
Debt-to-Equity Ratio:
| 2024-09-30 Q3 | 2024-06-30 Q2 | Q/Q change % | |
|---|---|---|---|
| BFH | |||
| calendar year | 2024 | 2024 | NaN |
| revenue per share | 19.78 | 23.69 | -16.51 |
| net income per share | 0.04 | 2.68 | -98.50 |
| operating cash flow per share | 9.18 | 9.62 | -4.59 |
| free cash flow per share | 9.7 | 9.44 | 2.78 |
| cash per share | 69.44 | 85.3 | -18.60 |
| book value per share | 62.62 | 63.91 | -2.03 |
| tangible book value per share | 47.44 | 48.91 | -3.00 |
| shareholders equity per share | 62.62 | 63.91 | -2.03 |
| interest debt per share | 97.06 | 100.71 | -3.62 |
| market cap | 2364726000 | 2248368000 | 5.18 |
| enterprise value | 3497726000 | 2949368000 | 18.59 |
| pe ratio | 295.59 | 4.23 | 6894.15 |
| price to sales ratio | 2.41 | 1.91 | 25.72 |
| pocfratio | 5.19 | 4.71 | 10.02 |
| pfcf ratio | 4.91 | 4.8 | 2.12 |
| pb ratio | 0.76 | 0.71 | 7.14 |
| ptb ratio | 0.76 | 0.71 | 7.14 |
| ev to sales | 3.56 | 2.51 | 41.76 |
| enterprise value over ebitda | 0 | 14.53 | -100.00 |
| ev to operating cash flow | 7.67 | 6.18 | 24.05 |
| ev to free cash flow | 7.26 | 6.3 | 15.15 |
| earnings yield | 0.0 | 0.06 | -98.57 |
| free cash flow yield | 0.2 | 0.21 | -2.08 |
| debt to equity | 1.47 | 1.5 | -1.78 |
| debt to assets | 0.21 | 0.21 | -1.77 |
| net debt to ebitda | 0 | 3.45 | -100.00 |
| current ratio | 0 | 1.77 | -100.00 |
| interest coverage | 0.01 | 0.75 | -98.33 |
| income quality | 228 | 3.59 | 6257.23 |
| dividend yield | 0.0 | 0.0 | -13.56 |
| payout ratio | 5 | 0.08 | 5945.45 |
| sales general and administrative to revenue | 0.23 | 0.18 | 27.35 |
| research and ddevelopement to revenue | 0 | 0 | NaN |
| intangibles to total assets | 0.03 | 0.03 | 3.25 |
| capex to operating cash flow | 0.06 | 0.02 | 202.19 |
| capex to revenue | 0.03 | 0.01 | 245.31 |
| capex to depreciation | 1.18 | 0.39 | 202.02 |
| stock based compensation to revenue | 0.01 | 0.01 | 19.53 |
| graham number | 7.53 | 62.1 | -87.87 |
| roic | 0.0 | 0.01 | -99.24 |
| return on tangible assets | 0.0 | 0.01 | -98.47 |
| graham net net | -305.29 | -297.24 | -2.71 |
| working capital | 3451000000 | 1768000000 | 95.19 |
| tangible asset value | 2358000000 | 2426000000 | -2.80 |
| net current asset value | -15173000000 | -14902000000 | -1.82 |
| invested capital | 4353000000 | 2669000000 | 63.09 |
| average receivables | 0 | 0 | NaN |
| average payables | 0 | 0 | NaN |
| average inventory | 0 | 0 | NaN |
| days sales outstanding | 0 | 0 | NaN |
| days payables outstanding | 0 | 0 | NaN |
| days of inventory on hand | 0 | 0 | NaN |
| receivables turnover | 0 | 0 | NaN |
| payables turnover | 0 | 0 | NaN |
| inventory turnover | 0 | 0 | NaN |
| roe | 0.0 | 0.04 | -98.47 |
| capex per share | 0.52 | 0.18 | 188.31 |
ROE: Return on Equity (ROE) decreased to 0.00 on 2024-09-30 Q3 from 0.04 on 2024-06-30 Q2, representing a change of -98.47%. Suggesting that the company has not been generating high returns for its shareholders.
Current Ratio: Current Ratio decreased to 0.00 on 2024-09-30 Q3 from 1.77 on 2024-06-30 Q2, representing a change of -100.00%. The current ratio has been declining, suggesting a decrease in the company's short-term liquidity. Also, it's below 1, indicating potential liquidity issues.
PE Ratio: Price-to-Earnings (P/E) Ratio increased to 295.59 on 2024-09-30 Q3 from 4.23 on 2024-06-30 Q2, representing a change of 6894.15%. Indicating an increase in the relative valuation of the company's stock.
Debt-to-Equity Ratio:
Positive Sentiment: Discounted Cash Flow value is 100.25 which is higher than current price 61.53, indicates the company may be undervalued.
| Market Capitalization | Enterprise Value | |
|---|---|---|
| Definition | The total market value of a company's outstanding shares | The total market value of a company, including its debt and other liabilities |
| Calculation | Current share price * Total number of outstanding shares | Market capitalization + Total debt - Cash and cash equivalents |
| Focus | Equity component of a company's value | Total economic value of a company |
| Usefulness | Assesses a company's size and growth potential based on investor sentiment | Provides a more comprehensive valuation that considers both equity and debt |
Analyzing dividends is a crucial aspect of investment evaluation, offering valuable insights into a company's financial health and its commitment to shareholder returns. Dividends represent a portion of a company's profits distributed to its shareholders, providing a steady income stream. We help you analyze dividends based on the indicators mentioned below:
• Investors often assess the average dividend amount, observing trends over time to gauge the company's stability and growth potential. A positive trend in average dividends indicates a consistent and potentially lucrative investment. Additionally, evaluating the trend of dividend increases provides insight into the company's financial strength and management's confidence in future earnings.
• Consistency in paying dividends is a reassuring sign, reflecting a company's reliability and commitment to shareholder value. For investors, dividends not only offer income but also contribute to the overall total return on investment.
• Companies with a history of regular and increasing dividends can attract income-focused investors seeking stable returns, making dividends a critical factor in building a well-rounded investment portfolio.
Interested in the overall sentiment for a particular period? Check out our news sentiment analysis tool.
Sentiment: Positive
Publish Date: 2024-12-11 11:01:04
Bread Financial is set to gain from its solid growth prospects, robust credit sales, higher retained earnings, active risk management and consumer spending.
Sentiment: Positive
Publish Date: 2024-12-04 07:30:00
COLUMBUS, Ohio, Dec. 04, 2024 (GLOBE NEWSWIRE) -- Bread Financial ® Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions, today announced the company's participation in Goldman Sachs Financial Services Conference 2024 on Wednesday, Dec. 11.
Sentiment: Positive
Publish Date: 2024-12-03 07:00:01
Banks that issue credit cards used by millions of consumers raised interest rates and introduced new fees in response to an impending regulation that most experts believe will never take effect. Synchrony and Bread Financial have said that the moves were necessary after the Consumer Financial Protection Bureau in March announced a rule slashing what the industry can charge in late fees.
Sentiment: Positive
Publish Date: 2024-12-02 06:30:00
COLUMBUS, Ohio, Dec. 02, 2024 (GLOBE NEWSWIRE) -- Bread Financial® Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions, today announced that its Board of Directors has approved a $25 million increase to its previously-announced 2024 share repurchase program, expanding the authorization from $30 million of common stock to $55 million of common stock through December 31, 2024. The Company had approximately $19 million remaining under its prior share repurchase program as of the date of this release; this increase will bring the total amount of share repurchase authorization to approximately $44 million through December 31, 2024.
Sentiment: Negative
Publish Date: 2024-11-14 07:00:00
COLUMBUS, Ohio, Nov. 14, 2024 (GLOBE NEWSWIRE) -- Bread Financial® Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions, provided a performance update. The following tables present the Company's net loss rate and delinquency rate for the periods indicated.
Sentiment: Positive
Publish Date: 2024-11-07 07:30:00
COLUMBUS, Ohio, Nov. 07, 2024 (GLOBE NEWSWIRE) -- Bread Financial Holdings, Inc. ® (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions, today announced the company's participation in KBW's Fintech & Payments Conference on Thursday, Nov. 14.
Sentiment: Positive
Publish Date: 2024-10-25 14:06:10
Bread Financial's third-quarter results reflect a drop in credit sales but average loans slightly improve on growth in co-brand programs.
Sentiment: Positive
Publish Date: 2024-10-24 15:03:05
Bread Financial Holdings, Inc. (NYSE:BFH ) Q3 2024 Earnings Conference Call October 24, 2024 8:30 AM ET Company Participants Brian Vereb - Head, Investor Relations Ralph Andretta - President & Chief Executive Officer Perry Beberman - Executive Vice President & Chief Financial Officer Conference Call Participants Mihir Bhatia - Bank of America Sanjay Sakhrani - KBW Vincent Caintic - BTIG Jeff Adelson - Morgan Stanley Bill Carcache - Wolfe Research Securities David Rochester - Compass Point Research & Trading John Pancari - Evercore ISI Reggie Smith - JPM Jon Arfstrom - RBC Capital Markets Operator Good morning, and welcome to Bread Financial's Third Quarter 2024 Earnings Conference Call. My name is Michelle, and I'll be coordinating your call today.
Sentiment: Positive
Publish Date: 2024-10-24 12:06:29
Although the revenue and EPS for Bread Financial (BFH) give a sense of how its business performed in the quarter ended September 2024, it might be worth considering how some key metrics compare with Wall Street estimates and the year-ago numbers.
Sentiment: Positive
Publish Date: 2024-10-24 09:05:24
Bread Financial Holdings (BFH) came out with quarterly earnings of $1.84 per share, missing the Zacks Consensus Estimate of $1.88 per share. This compares to earnings of $3.46 per share a year ago.
Sentiment: Negative
Publish Date: 2024-10-24 06:55:00
COLUMBUS, Ohio, Oct. 24, 2024 (GLOBE NEWSWIRE) -- Bread Financial Holdings, Inc. ® (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions, provided a performance update. The following tables present the Company's net loss rate and delinquency rate for the periods indicated.
Sentiment: Positive
Publish Date: 2024-10-24 06:50:00
COLUMBUS, Ohio, Oct. 24, 2024 (GLOBE NEWSWIRE) -- Bread Financial Holdings, Inc. ® (NYSE: BFH), a tech-forward financial services company that provides simple, flexible payment, lending and saving solutions, today announced its third quarter 2024 financial results. All earnings-related materials are now available at the company's investor relations website, here .
Sentiment: Positive
Publish Date: 2024-10-24 06:45:00
COLUMBUS, Ohio, Oct. 24, 2024 (GLOBE NEWSWIRE) -- Bread Financial Holdings, Inc.® (NYSE: BFH), a tech-forward financial services company that provides simple, flexible payment, lending and saving solutions, today announced that its Board of Directors declared a quarterly cash dividend of $0.21 per share on the Company's common stock, payable on December 13, 2024 to stockholders of record at the close of business on November 8, 2024.
* The sentiment analysis presented is generated through an algorithm and may be subject to inaccuracies. Users are advised to corroborate key information and employ further analytical methods prior to making critical decisions.
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| Indicator | Bullish | Bearish |
|---|---|---|
| Price and EMA ⓘ | Price crosses above EMA | Price crosses below EMA |
| Short-Term vs Long-Term EMA ⓘ | Short EMA crosses above Long EMA | Short EMA crosses below Long EMA |
| Volume ⓘ | Increasing volume during price uptrend | Increasing volume during price downtrend |
| MACD ⓘ | MACD crosses above Signal Line | MACD crosses below Signal Line |
| RSI ⓘ | RSI is below 30 (oversold) and starts to rise above 30 | RSI is above 70 (overbought) and starts to decline below 70 |
| Candlestick Patterns ⓘ | Bullish candlestick patterns | Bearish candlestick patterns |
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