Bread Financial BFH
- Market cap
- $3.8B
- PE
- 7.8×
- 10y median 8.1×
- Forward PE
- n/m
- not a meaningful number
- Price to sales
- 1.0×
- EV/EBIT
- 4.5×
- Revenue, 12 months
- $4B
- +4% on a year ago
- Net margin
- 14.4%
- Free cash flow yield
- n/m
- not a meaningful number
Bread Financial trades at 7.8× trailing earnings, near its ten-year median. Revenue was $4B over the last twelve months, up 4% on a year earlier with a 14% net margin.
Charts
Financials
| Income statement | Q3 FY23 | Q4 FY23 | Q1 FY24 | Q2 FY24 | Q3 FY24 | Q4 FY24 | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| $1B+5% | $1B−2% | $991M−23% | $939M−1% | $983M−5% | $925M−9% | $970M−2% | $929M−1% | $971M−1% | $975M+5% | $1B+5% | $993M+7% | |
| Cost of revenue | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Gross profit | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| SG&A | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | |
| Interest expense | $219M+65% | $238M+22% | $248M+14% | $241M+18% | $240M+10% | $231M−3% | $225M−9% | $220M−9% | $210M−13% | $199M−14% | $193M−14% | $195M−11% |
| Pre-tax income | $225M+19% | $18M | $188M−71% | $180M+109% | $40M−82% | −$27M | $197M+5% | $174M−3% | $196M+390% | $47M | $243M+23% | $197M+13% |
| $52M−6% | −$26M−65% | $53M−71% | $47M+114% | $37M−29% | −$34M+31% | $55M+4% | $35M−26% | $8M−78% | −$6M−82% | $62M+13% | $51M+46% | |
| Net income | $171M+28% | $43M | $134M−71% | $133M+177% | $2M−99% | $7M−84% | $138M+3% | $139M+5% | $188M+9300% | $54M+671% | $181M+31% | $146M+5% |
| $3.42+27% | $0.87 | $2.70−70% | $2.66+180% | $0.05−99% | $0.14−84% | $2.78+3% | $2.94+11% | $3.96+7820% | $1.17+736% | $4.15+49% | $3.55+21% | |
| 50.1M+0% | 49.4M−1% | 49.7M−1% | 50.2M−0% | 51M+2% | 50.7M+3% | 49.6M−0% | 47.2M−6% | 47.5M−7% | 46.1M−9% | 43.2M−13% | 40.7M−14% |
Gross profit: 50 periods, Q2 FY09 to Q3 FY21: not printed by the filing, worked out from its own lines.
Net income: 13 periods, Q4 FY11 to Q1 FY19: not printed by the filing, worked out from its own lines.
EPS, diluted: 7 periods, Q4 FY09 to Q4 FY25: quarter's net income to common over its shares, to the cent.
Diluted shares: 15 periods, Q4 FY09 to Q4 FY25: share-days: the 12-month average less the 9-month, weighted by days. Q4 FY20: the earlier year to date counted no dilution: the quarter's basic count plus the later year to date's dilution. Q4 FY22: a loss quarter: its basic count, share-days: the 12-month average less the 9-month, weighted by days.
From each company's 10-Q and 10-K filings, the newest version of each figure. Quarters are as filed (a fourth quarter is the year less its first nine months), fiscal years as the 10-K prints them, restated where a later 10-K restated them, and balance sheet lines as of the period's end. A quarter whose 10-Q isn't filed yet is from the company's results release. Growth is on the same period a year earlier. A dash is a period with no figure for the line: the filing doesn't print it, or it hasn't been read yet.
Peers
Companies in Financial - Credit Services nearest Bread Financial's size, closest first.
| Company | Market cap | PE | Its 10y median PE | Fwd PE | P/S | Revenue growth | Net margin |
|---|---|---|---|---|---|---|---|
| BFHBread Financial | $3.8B | 7.8× | 8.1× | 1.0× | +4% | 14.4% | |
| ENVAEnova International | $4B | 11.4× | 11.4× | 1.1× | +20% | 10.5% | |
| SLMSLM | $3.5B | 7.0× | 8.6× | 2.0× | −7% | 31.7% | |
| PAYPaymentus | $4.2B | 50.5× | 97.8× | 3.1× | +30% | 6.2% | |
| TNETTrinet | $3.5B | 20.3× | 19.2× | 0.7× | −3% | 3.6% | |
| NNINelnet | $4.4B | 14.7× | 11.2× | 3.7× | +6% | 25.8% | |
| SEZLSezzle | $4.4B | 29.0× | 27.8× | 8.4× | +43% | 30.4% | |
| MMSMaximus | $3.3B | 9.3× | 20.2× | 0.6× | −3% | 7.1% | |
| DAVEDave | $4.5B | 23.0× | 22.7× | 7.0× | +49% | 34.6% | |
| CBZCBIZ | $3B | 25.7× | 21.6× | 1.1× | +14% | 4.7% | |
| FIGRFigure Technology Solutions | $5.2B | 24.2× | 33.2× | 7.3× | +89% | 33.5% | |
| Peer median | $4.1B | 21.7× | 20.9× | 2.5× | +17% | 18.1% |
More on Bread Financial
Each number over time
- PE ratio
- Price to sales ratio
- EV/EBIT
- Price to free cash flow
- Price to book ratio
- Market cap
- Revenue
- EPS
- Free cash flow
- Profit margin
- Shares outstanding
Where it ranks
- #9of 133Financial stocks with the lowest EV/EBIT
- #7of 70Credit services stocks with the lowest EV/EBIT
- #5of 46Credit services stocks with the fastest earnings growth
Its groups
About
- Industry
- Financial - Credit Services
- Sector
- Financial Services
Valuation data, not investment advice. Prices as of .