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Bread Financial (BFH) Financials

Bread Financial logo
$48.14 -0.75 (-1.53%)
Closing price 04/28/2025 03:59 PM Eastern
Extended Trading
$48.12 -0.02 (-0.04%)
As of 05:09 AM Eastern
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Annual Income Statements for Bread Financial

Annual Income Statements for Bread Financial

This table shows Bread Financial's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Net Income / (Loss) Attributable to Common Shareholders
597 516 789 963 278 214 801 223 718 277
Consolidated Net Income / (Loss)
605 518 789 963 278 214 801 223 718 277
Net Income / (Loss) Continuing Operations
605 518 769 946 506 208 797 224 737 279
Total Pre-Tax Income
932 837 1,063 1,215 662 301 1,044 300 968 381
Total Revenue
6,110 6,710 5,019 5,124 4,050 3,298 3,272 3,826 4,289 3,838
Net Interest Income / (Expense)
-330 -429 -455 -542 4,189 3,453 3,485 4,181 4,266 4,064
Total Interest Income
0.00 0.00 0.00 0.00 4,827 3,952 3,868 4,684 5,145 5,024
Loans and Leases Interest Income
- - - - 4,729 3,931 3,861 4,615 4,961 4,820
Investment Securities Interest Income
- - - - 98 21 7.00 69 184 204
Total Interest Expense
330 429 455 542 638 499 383 503 879 960
Deposits Interest Expense
54 85 125 166 307 238 167 243 541 608
Long-Term Debt Interest Expense
277 344 174 377 331 261 216 260 338 352
Total Non-Interest Income
6,440 7,138 5,475 5,667 -139 -155 -213 -355 23 -226
Other Service Charges
- 3,640 - 4,695 219 177 146 114 128 144
Net Realized & Unrealized Capital Gains on Investments
3,900 994 5,107 676 - - 10 0.00 230 11
Other Non-Interest Income
- - - - -358 -332 -369 -469 -335 -381
Provision for Credit Losses
668 941 - - 1,188 1,266 544 1,594 1,229 1,397
Total Non-Interest Expense
4,510 4,932 3,957 3,909 2,200 1,731 1,684 1,932 2,092 2,060
Salaries and Employee Benefits
- - - - 721 609 671 779 867 897
Net Occupancy & Equipment Expense
- - - - 187 191 216 274 301 300
Marketing Expense
- - - - 205 143 160 180 161 147
Other Operating Expenses
4,018 4,420 3,769 3,716 991 682 545 586 647 626
Depreciation Expense
142 167 74 81 96 106 92 113 116 90
Income Tax Expense
326 319 293 270 156 93 247 76 231 102
Net Income / (Loss) Discontinued Operations
- - 20 18 -228 6.00 4.00 -1.00 -19 -2.00
Basic Earnings per Share
$8.91 $7.37 $14.17 $17.56 $5.38 $4.47 $16.09 $4.47 $14.39 $5.58
Weighted Average Basic Shares Outstanding
61.90M 58.60M 55.70M 54.90M 50M 47.80M 49.70M 49.90M 49.80M 49.60M
Diluted Earnings per Share
$8.85 $7.34 $14.10 $17.49 $5.46 $4.46 $16.02 $4.46 $14.34 $5.49
Weighted Average Diluted Shares Outstanding
62.30M 58.90M 55.90M 55.10M 50.90M 47.90M 50M 50M 50M 50.40M
Weighted Average Basic & Diluted Shares Outstanding
59.26M 55.93M 55.46M 53.00M 47.63M 49.70M 49.95M 50.12M 49.42M 49.09M
Cash Dividends to Common per Share
$0.00 $0.52 $2.08 $0.57 $0.63 $1.26 $0.84 $0.84 $0.84 $0.84

Quarterly Income Statements for Bread Financial

This table shows Bread Financial's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Net Income / (Loss) Attributable to Common Shareholders
134 -133 455 48 171 44 134 133 2.00 8.00
Consolidated Net Income / (Loss)
134 -133 455 48 171 44 134 133 2.00 8.00
Net Income / (Loss) Continuing Operations
134 -133 455 64 173 45 135 133 3.00 8.00
Total Pre-Tax Income
189 -207 638 86 225 19 188 180 40 -27
Total Revenue
979 1,033 1,289 952 1,031 1,017 991 939 983 925
Net Interest Income / (Expense)
1,085 1,129 1,117 992 1,082 1,075 1,052 987 1,037 988
Total Interest Income
1,218 1,325 1,335 1,197 1,301 1,312 1,300 1,228 1,277 1,219
Loans and Leases Interest Income
1,195 1,290 1,289 1,153 1,256 1,263 1,247 1,174 1,224 1,175
Investment Securities Interest Income
23 35 46 44 45 49 53 54 53 44
Total Interest Expense
133 196 218 205 219 237 248 241 240 231
Deposits Interest Expense
66 102 117 127 143 154 155 152 153 148
Long-Term Debt Interest Expense
67 94 101 78 76 83 93 89 87 83
Total Non-Interest Income
-106 -96 172 -40 -51 -58 -61 -48 -54 -63
Other Service Charges
30 39 29 34 33 32 31 31 37 45
Net Realized & Unrealized Capital Gains on Investments
0.00 - 230 0.00 0.00 - 0.00 5.00 4.00 2.00
Other Non-Interest Income
-136 -135 -87 -74 -84 -90 -92 -84 -95 -110
Provision for Credit Losses
304 693 107 336 304 482 321 290 369 417
Total Non-Interest Expense
486 547 544 530 502 516 482 469 574 535
Salaries and Employee Benefits
202 207 220 217 210 220 213 214 228 242
Net Occupancy & Equipment Expense
75 82 75 75 73 78 74 73 73 80
Marketing Expense
44 55 39 40 36 46 28 33 38 48
Other Operating Expenses
136 170 176 163 160 148 144 126 213 143
Depreciation Expense
29 33 34 35 23 24 23 23 22 22
Income Tax Expense
55 -74 183 22 52 -26 53 47 37 -35
Basic Earnings per Share
$2.69 ($2.67) $9.10 $0.95 $3.44 $0.88 $2.71 $2.69 $0.05 $0.13
Weighted Average Basic Shares Outstanding
49.80M 49.90M 50M 50.10M 49.90M 49.80M 49.50M 49.60M 49.70M 49.60M
Diluted Earnings per Share
$2.69 ($2.67) $9.08 $0.95 $3.42 $0.88 $2.70 $2.66 $0.05 $0.08
Weighted Average Diluted Shares Outstanding
49.90M 50M 50.10M 50.30M 50.10M 50M 49.70M 50.20M 51M 50.40M
Weighted Average Basic & Diluted Shares Outstanding
49.85M 50.12M 50.12M 50.22M 49.33M 49.42M 49.58M 49.68M 49.72M 49.09M

Annual Cash Flow Statements for Bread Financial

This table details how cash moves in and out of Bread Financial's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Net Change in Cash & Equivalents
91 487 2,346 -347 -10 -495 460 4.00 -311 98
Net Cash From Operating Activities
1,760 2,127 2,599 2,755 1,218 1,883 1,543 1,848 1,987 1,859
Net Cash From Continuing Operating Activities
1,760 2,127 2,599 2,755 1,218 1,883 1,543 1,848 1,987 1,859
Net Income / (Loss) Continuing Operations
605 518 789 963 278 214 801 223 718 277
Consolidated Net Income / (Loss)
605 518 789 963 278 214 801 223 718 277
Provision For Loan Losses
668 941 1,140 1,016 1,188 1,266 544 1,594 1,229 1,397
Depreciation Expense
492 512 498 487 249 184 123 113 116 90
Amortization Expense
32 35 44 47 284 74 106 110 118 113
Non-Cash Adjustments to Reconcile Net Income
-43 327 -96 227 -519 -138 10 -145 -222 49
Changes in Operating Assets and Liabilities, net
5.30 -204 225 14 -262 283 -41 -47 28 -67
Net Cash From Investing Activities
-3,363 -4,292 -4,268 -1,872 2,861 1,774 -1,691 -5,111 788 -1,169
Net Cash From Continuing Investing Activities
-3,363 -4,292 -4,268 -1,872 2,861 1,774 -1,691 -5,111 788 -1,169
Purchase of Investment Securities
-3,377 -4,742 -4,877 -3,031 -3,662 1,449 -2,163 -5,141 -1,725 -1,284
Sale and/or Maturity of Investments
39 525 840 1,201 2,122 366 585 30 2,513 115
Net Cash From Financing Activities
1,719 2,637 4,005 -1,218 -4,092 -4,167 608 3,267 -3,086 -592
Net Cash From Continuing Financing Activities
1,719 2,637 4,005 -1,218 -4,092 -4,167 608 3,267 -3,086 -592
Net Change in Deposits
849 2,790 2,543 864 356 -2,370 1,228 2,778 -209 -541
Issuance of Debt
4,389 8,228 7,697 3,419 1,981 2,375 4,104 4,147 2,111 1,796
Repayment of Debt
-2,258 -7,187 -7,341 -4,919 -5,310 -4,115 -4,551 -3,600 -4,909 -1,742
Repurchase of Common Equity
-952 -799 -554 -443 -976 - 0.00 -12 -35 -55
Payment of Dividends
0.00 -30 -116 -125 -127 -61 -42 -43 -42 -43
Other Financing Activities, Net
-327 -384 -29 -31 -28 4.00 -131 -3.00 -2.00 -7.00
Cash Interest Paid
311 405 551 720 672 488 357 466 861 922
Cash Income Taxes Paid
304 467 344 234 1,071 268 325 338 292 227

Quarterly Cash Flow Statements for Bread Financial

This table details how cash moves in and out of Bread Financial's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Net Change in Cash & Equivalents
-89 319 -295 -281 44 221 192 264 -601 243
Net Cash From Operating Activities
608 497 398 343 629 617 447 477 456 479
Net Cash From Continuing Operating Activities
608 497 398 343 629 617 447 477 456 479
Net Income / (Loss) Continuing Operations
134 -134 455 48 172 43 134 134 2.00 7.00
Consolidated Net Income / (Loss)
134 -134 455 48 172 43 134 134 2.00 7.00
Provision For Loan Losses
304 692 107 335 305 482 321 290 369 417
Depreciation Expense
29 33 34 35 23 24 23 23 22 22
Amortization Expense
27 28 29 28 30 31 32 29 28 24
Non-Cash Adjustments to Reconcile Net Income
-10 -89 -231 -4.00 22 -9.00 -37 11 80 -5.00
Changes in Operating Assets and Liabilities, net
124 -33 4.00 -99 77 46 -26 -10 -45 14
Net Cash From Investing Activities
-591 -3,623 3,141 -281 -281 -1,791 720 31 -569 -1,351
Net Cash From Continuing Investing Activities
-591 -3,623 3,141 -281 -281 -1,791 720 31 -569 -1,351
Purchase of Investment Securities
-591 -3,653 636 -281 -285 -1,795 717 -73 -572 -1,356
Sale and/or Maturity of Investments
- 30 2,505 - 4.00 4.00 3.00 104 3.00 5.00
Net Cash From Financing Activities
-106 3,445 -3,834 -343 -304 1,395 -975 -244 -488 1,115
Net Cash From Continuing Financing Activities
-106 3,445 -3,834 -343 -304 1,395 -975 -244 -488 1,115
Net Change in Deposits
1,417 1,383 -689 -90 220 350 -293 -334 -148 234
Issuance of Debt
110 2,500 300 596 123 1,092 93 500 151 1,052
Repayment of Debt
-1,622 -428 -3,425 -806 -640 -38 -744 -401 -480 -117
Repurchase of Common Equity
- - 0.00 - -35 - -11 - - -44
Payment of Dividends
-10 -11 -11 -10 -11 -10 -11 -11 -10 -11
Other Financing Activities, Net
11 1.00 -9.00 -33 39 1.00 -9.00 2.00 -1.00 1.00

Annual Balance Sheets for Bread Financial

This table presents Bread Financial's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Total Assets
22,350 25,514 30,685 30,388 26,495 22,547 21,746 25,407 23,141 22,891
Cash and Due from Banks
1,168 1,859 4,190 3,817 3,874 2,796 3,046 3,891 3,590 3,679
Trading Account Securities
- - - - - 225 239 221 253 266
Loans and Leases, Net of Allowance
13,058 15,596 17,495 16,817 18,292 14,776 15,567 18,901 17,005 16,655
Loans and Leases
13,800 16,544 18,614 17,855 19,463 16,784 17,399 21,365 19,333 18,896
Allowance for Loan and Lease Losses
742 948 1,119 1,038 1,171 2,008 1,832 2,464 2,328 2,241
Premises and Equipment, Net
577 586 614 288 282 213 215 195 167 142
Intangible Assets
1,204 1,003 801 217 153 711 687 799 762 746
Other Assets
2,073 2,345 3,116 7,735 2,337 3,826 1,992 1,400 1,364 1,403
Total Liabilities & Shareholders' Equity
22,350 25,514 30,685 30,388 26,495 22,547 21,746 25,407 23,141 22,891
Total Liabilities
20,173 23,856 28,830 28,056 24,907 21,025 19,660 23,142 20,223 19,840
Non-Interest Bearing Deposits
5,606 4,673 6,366 11,794 6,942 9,793 11,027 13,826 13,620 13,082
Long-Term Debt
11,131 11,742 14,756 13,238 10,033 8,516 7,439 8,007 5,292 5,557
Other Long-Term Liabilities
1,062 4,523 5,267 795 6,033 2,716 1,194 1,309 1,311 1,201
Commitments & Contingencies
0.00 0.00 - 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests
2,010 1,658 1,855 2,332 1,588 1,522 2,086 2,265 2,918 3,051
Total Preferred & Common Equity
2,010 1,658 1,855 2,332 1,588 1,522 2,086 2,265 2,918 3,051
Total Common Equity
2,010 1,658 1,855 2,332 1,588 1,522 2,086 2,265 2,918 3,051
Common Stock
2,982 3,047 3,101 3,174 3,259 3,428 2,175 2,193 2,170 2,074
Retained Earnings
3,093 3,495 4,167 5,012 5,163 4,832 -87 93 767 999
Accumulated Other Comprehensive Income / (Loss)
-137 -151 -140 -138 -100 -5.00 -2.00 -21 -19 -22

Quarterly Balance Sheets for Bread Financial

This table presents Bread Financial's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q3 2022 Q1 2023 Q2 2023 Q3 2023 Q1 2024 Q2 2024 Q3 2024
Total Assets
21,960 21,970 21,609 21,608 22,299 22,144 21,736
Cash and Due from Banks
3,583 3,611 3,325 3,380 3,789 4,053 3,451
Trading Account Securities
218 228 239 240 258 264 277
Loans and Leases, Net of Allowance
16,053 15,837 15,754 15,715 15,930 15,579 15,743
Loans and Leases
18,126 18,060 17,962 17,922 18,185 17,743 17,933
Allowance for Loan and Lease Losses
2,073 2,223 2,208 2,207 2,255 2,164 2,190
Premises and Equipment, Net
204 180 162 160 166 157 148
Intangible Assets
690 790 780 771 753 744 754
Other Assets
1,212 1,324 1,349 1,342 1,403 1,347 1,363
Total Liabilities & Shareholders' Equity
21,960 21,970 21,609 21,608 22,299 22,144 21,736
Total Liabilities
19,561 19,254 18,873 18,744 19,267 18,974 18,624
Non-Interest Bearing Deposits
12,444 13,138 13,048 13,268 13,327 12,994 12,847
Long-Term Debt
5,931 4,884 4,698 4,223 4,652 4,754 4,584
Other Long-Term Liabilities
1,186 1,232 1,127 1,253 1,288 1,226 1,193
Commitments & Contingencies
0.00 0.00 0.00 0.00 0.00 0.00 0.00
Total Equity & Noncontrolling Interests
2,399 2,716 2,736 2,864 3,032 3,170 3,112
Total Preferred & Common Equity
2,399 2,716 2,736 2,864 3,032 3,170 3,112
Total Common Equity
2,399 2,716 2,736 2,864 3,032 3,170 3,112
Common Stock
2,182 2,198 2,182 2,156 2,164 2,180 2,125
Retained Earnings
238 537 574 735 890 1,012 1,003
Accumulated Other Comprehensive Income / (Loss)
-21 -19 -20 -27 -22 -22 -16

Annual Metrics and Ratios for Bread Financial

This table displays calculated financial ratios and metrics derived from Bread Financial's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024
Growth Metrics
- - - - - - - - - -
Revenue Growth
42.33% 9.82% -25.19% 2.09% -20.96% -18.57% -0.79% 16.93% 12.10% -10.52%
EBITDA Growth
47.71% -4.91% 15.92% 9.07% -31.70% -53.22% 583.18% -172.61% 1,638.62% -87.85%
EBIT Growth
11.18% -10.15% 26.94% 14.35% -45.51% -54.53% 1,287.38% -171.26% 768.00% -86.88%
NOPAT Growth
34.61% -14.50% 48.61% 22.92% -46.48% -58.89% 283.17% -143.79% 1,674.11% -81.07%
Net Income Growth
17.30% -14.50% 52.38% 22.11% -71.13% -23.02% 274.30% -216.48% 665.92% -61.42%
EPS Growth
12.45% -17.06% 92.10% 24.04% -71.13% -23.02% 259.19% -72.16% 443.05% -61.72%
Operating Cash Flow Growth
61.84% 20.88% 22.18% 5.99% -55.79% 54.60% -18.06% 39.53% 22.56% -6.44%
Free Cash Flow Firm Growth
70.82% 85.79% -1,162.62% 216.44% 118.26% -53.13% -908.94% 146.53% -14.33% 308.03%
Invested Capital Growth
26.12% 4.70% 17.66% -6.89% -25.76% -16.51% -5.11% -64.05% -240.15% -65.05%
Revenue Q/Q Growth
4.50% 0.19% -27.14% 43.19% -19.28% -2.64% 21.87% 4.88% -0.37% -2.34%
EBITDA Q/Q Growth
-16.59% -40.71% -41.22% 45.63% 22.83% -71.60% 38.18% -33.63% 389.61% -8.61%
EBIT Q/Q Growth
-26.72% -53.26% -51.38% 82.93% 10.02% -80.29% 68.48% 5.08% 291.37% -10.77%
NOPAT Q/Q Growth
20.74% -24.69% 45.74% 0.49% -27.58% -21.66% 7.22% -46.28% 163.69% -11.71%
Net Income Q/Q Growth
20.74% -24.69% 49.43% 1.42% -40.27% -28.48% 0.59% -40.21% 32.72% -11.50%
EPS Q/Q Growth
20.08% -22.57% 49.21% 2.16% -40.27% -28.48% 0.19% -40.45% 32.29% -12.86%
Operating Cash Flow Q/Q Growth
25.04% 2.10% 2.68% -3.87% -46.10% 60.06% -3.71% 9.61% 6.43% -6.91%
Free Cash Flow Firm Q/Q Growth
65.95% 76.18% -140.48% 82,542.31% -10.04% -31.31% -3,898.20% 1,062.66% -534.85% 5,663.48%
Invested Capital Q/Q Growth
11.71% 6.06% 14.19% 0.12% 2.99% 14.76% 187.65% 146.63% 247.54% 11.85%
Profitability Metrics
- - - - - - - - - -
EBITDA Margin
47.64% 20.62% 31.96% 34.14% 29.51% 16.95% 116.72% 41.01% 140.13% 15.22%
EBIT Margin
30.50% 12.47% 63.50% 23.71% 16.35% 9.13% 127.63% 15.68% 67.71% 9.93%
Profit (Net Income) Margin
19.82% 7.71% 31.43% 18.79% 6.86% 6.49% 48.96% 23.31% 33.48% 7.22%
Tax Burden Percent
129.97% 61.84% 148.46% 79.27% 41.99% 71.10% 153.45% 297.33% 222.52% 72.70%
Interest Burden Percent
200.00% 100.00% 300.00% 100.00% 100.00% 100.00% 300.00% 200.00% 400.00% 100.00%
Effective Tax Rate
70.03% 38.16% 82.81% 22.18% 23.57% 30.90% 70.98% 50.67% 47.73% 26.77%
Return on Invested Capital (ROIC)
4.55% 3.58% 4.78% 5.63% 3.59% 1.89% 8.15% 5.51% 5.13% 1.68%
ROIC Less NNEP Spread (ROIC-NNEP)
14.25% 3.58% 0.00% 5.75% 1.71% 1.95% 0.00% 9.82% 14.84% 1.66%
Return on Net Nonoperating Assets (RNNOA)
93.24% 23.41% 0.00% 40.37% 10.60% 11.88% 0.00% 40.62% 40.68% 5.96%
Return on Equity (ROE)
117.18% 26.99% 0.00% 46.00% 14.18% 13.76% 0.00% 30.81% 101.86% 7.64%
Cash Return on Invested Capital (CROIC)
-7.71% -1.01% -11.44% 12.76% 33.16% 19.88% -181.36% 42.50% -18.17% 98.09%
Operating Return on Assets (OROA)
22.76% 3.50% 3.78% 3.98% 2.33% 1.23% 0.00% 1.27% 19.94% 1.66%
Return on Assets (ROA)
2.84% 2.16% 2.81% 3.15% 0.98% 0.87% 0.00% 4.46% 11.83% 1.20%
Return on Common Equity (ROCE)
106.84% 25.81% 0.00% 46.00% 14.18% 13.76% 0.00% 50.50% 25.47% 7.64%
Return on Equity Simple (ROE_SIMPLE)
30.12% 31.21% 85.02% 41.30% 17.50% 14.06% 76.80% 19.69% 98.42% 9.08%
Net Operating Profit after Tax (NOPAT)
605 518 769 946 506 208 797 224 1,474 279
NOPAT Margin
19.82% 7.71% 15.32% 18.45% 12.49% 6.31% 48.72% 11.71% 34.37% 7.27%
Net Nonoperating Expense Percent (NNEP)
0.00% 0.00% -0.27% -0.12% 1.88% -0.06% -0.20% 0.08% 0.36% 0.02%
SG&A Expenses to Revenue
0.00% 0.00% 0.00% 0.00% 27.48% 28.59% 96.00% 64.45% 92.96% 35.02%
Operating Expenses to Revenue
147.63% 73.51% 157.66% 76.29% 54.32% 52.49% 154.40% 252.48% 97.55% 53.67%
Earnings before Interest and Taxes (EBIT)
932 837 1,063 1,215 662 301 4,176 600 2,904 381
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)
1,455 1,384 1,604 1,750 1,195 559 3,819 523 4,808 584
Valuation Ratios
- - - - - - - - - -
Price to Book Value (P/BV)
7.42 7.04 6.73 3.16 2.99 2.17 1.84 2.42 0.54 0.99
Price to Tangible Book Value (P/TBV)
0.00 0.00 0.00 6.35 9.88 4.08 2.75 2.48 1.50 1.31
Price to Revenue (P/Rev)
2.44 1.74 2.49 1.44 1.17 1.00 2.14 0.95 0.37 0.79
Price to Earnings (P/E)
25.00 22.62 15.84 7.65 17.07 15.46 8.76 8.08 2.21 10.92
Dividend Yield
0.00% 0.26% 0.92% 1.69% 2.45% 1.82% 3.43% 2.90% 6.50% 1.38%
Earnings Yield
7.89% 4.42% 6.31% 13.07% 5.86% 6.47% 71.31% 12.37% 45.20% 9.16%
Enterprise Value to Invested Capital (EV/IC)
1.80 1.53 1.34 1.04 0.89 0.90 0.86 1.16 0.40 0.57
Enterprise Value to Revenue (EV/Rev)
8.38 3.37 4.63 3.29 2.64 2.74 2.52 1.55 1.55 1.28
Enterprise Value to EBITDA (EV/EBITDA)
17.45 16.34 29.16 9.63 8.96 16.15 6.47 45.47 2.74 8.40
Enterprise Value to EBIT (EV/EBIT)
27.26 27.01 21.88 13.87 16.17 30.00 22.38 59.42 6.85 12.87
Enterprise Value to NOPAT (EV/NOPAT)
84.61 43.68 30.23 17.83 21.16 43.41 10.33 53.00 9.00 17.57
Enterprise Value to Operating Cash Flow (EV/OCF)
14.43 10.63 8.95 6.12 8.79 4.80 10.24 6.42 3.34 2.64
Enterprise Value to Free Cash Flow (EV/FCFF)
0.00 0.00 0.00 7.86 2.29 4.12 0.00 0.72 0.00 0.30
Leverage & Solvency
- - - - - - - - - -
Debt to Equity
5.48 7.92 8.38 5.94 6.57 5.60 0.00 14.14 3.63 1.82
Long-Term Debt to Equity
0.00 7.08 0.00 5.68 6.32 5.60 0.00 17.68 5.44 1.82
Financial Leverage
9.07 6.54 8.16 7.02 6.20 6.09 0.00 17.36 20.55 3.59
Leverage Ratio
26.58 12.48 47.99 14.58 14.51 15.77 0.00 33.27 28.10 7.71
Compound Leverage Factor
26.58 12.48 31.99 14.58 14.51 15.77 0.00 33.27 28.10 7.71
Debt to Total Capital
84.58% 88.78% 0.00% 85.60% 86.79% 84.84% 0.00% 233.85% 322.29% 64.56%
Short-Term Debt to Total Capital
0.00% 9.35% 4.50% 3.86% 3.35% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital
78.83% 79.43% 84.83% 81.74% 83.44% 84.84% 0.00% 233.85% 257.83% 64.56%
Preferred Equity to Total Capital
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital
14.24% 11.22% 10.67% 14.40% 13.21% 15.16% 0.00% 66.15% 106.63% 35.44%
Debt to EBITDA
8.21 9.48 9.69 7.92 8.73 15.23 11.69 15.31 13.21 9.52
Net Debt to EBITDA
21.27 7.91 13.41 5.42 4.99 10.23 13.80 31.48 4.25 3.22
Long-Term Debt to EBITDA
15.30 8.49 18.40 7.57 8.40 15.23 17.53 15.31 13.21 9.52
Debt to NOPAT
59.18 25.36 20.20 14.66 20.62 40.94 18.67 71.49 21.54 19.92
Net Debt to NOPAT
51.13 21.14 27.97 10.03 11.78 27.50 16.54 55.13 4.62 6.73
Long-Term Debt to NOPAT
55.16 22.69 38.37 14.00 19.83 40.94 37.34 107.24 21.54 19.92
Noncontrolling Interest Sharing Ratio
26.28% 4.36% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios
- - - - - - - - - -
Cash Flow Metrics
- - - - - - - - - -
Free Cash Flow to Firm (FCFF)
-1,026 -146 -1,841 2,144 4,678 2,193 -17,740 23,495 -7,836 16,301
Operating Cash Flow to CapEx
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense
76.20 -0.34 -4.04 3.95 7.33 4.39 -46.32 16.41 -5.94 16.98
Operating Cash Flow to Interest Expense
10.66 4.96 11.41 5.08 1.91 3.77 20.14 7.35 11.30 1.94
Operating Cash Flow Less CapEx to Interest Expense
10.66 4.96 11.41 5.08 1.91 3.77 8.06 7.35 9.04 1.94
Efficiency Ratios
- - - - - - - - - -
Asset Turnover
0.89 0.28 0.57 0.17 0.14 0.13 0.15 0.76 0.88 0.17
Fixed Asset Turnover
10.75 11.54 8.37 11.36 14.20 13.32 15.29 18.66 71.09 24.84
Capital & Investment Metrics
- - - - - - - - - -
Invested Capital
14,120 14,783 17,393 16,195 12,023 10,038 28,575 20,544 24,630 8,608
Invested Capital Turnover
1.44 0.46 0.00 0.31 0.29 0.30 0.33 2.43 1.19 0.23
Increase / (Decrease) in Invested Capital
1,631 663 2,610 -1,198 -4,172 -1,985 18,537 12,513 16,344 -16,022
Enterprise Value (EV)
25,397 22,610 23,250 16,855 10,705 9,029 8,234 5,918 3,291 4,903
Market Capitalization
14,911 11,668 12,491 7,368 4,746 3,309 3,841 1,802 1,589 3,025
Book Value per Share
$32.88 $28.71 $33.58 $42.81 $34.49 $31.89 $41.90 $181.73 $177.46 $61.37
Tangible Book Value per Share
($49.20) ($54.46) ($51.14) $21.29 $10.42 $16.99 $28.10 $58.81 $131.12 $46.36
Total Capital
14,120 14,783 17,393 16,195 12,023 10,038 38,100 30,816 16,420 8,608
Total Debt
11,943 13,125 15,538 13,863 10,435 8,516 14,878 24,021 21,168 5,557
Total Long-Term Debt
11,131 11,742 14,756 13,238 10,033 8,516 14,878 8,007 15,876 5,557
Net Debt
10,318 10,942 10,759 9,487 5,960 5,720 17,572 12,348 5,106 1,878
Capital Expenditures (CapEx)
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)
0.00 0.00 -20 -18 228 -6.00 -12 2.00 76 2.00
Net Nonoperating Obligations (NNO)
11,943 13,125 15,538 13,863 10,435 8,516 29,756 16,014 15,876 5,557
Total Depreciation and Amortization (D&A)
524 547 542 535 533 258 687 669 702 203
Earnings Adjustments
- - - - - - - - - -
Adjusted Basic Earnings per Share
$7.26 $6.01 $11.55 $14.31 $4.37 $3.64 $16.09 $4.47 $14.39 $5.58
Adjusted Weighted Average Basic Shares Outstanding
75.91M 71.90M 68.34M 67.36M 61.35M 58.65M 49.70M 49.90M 49.80M 49.60M
Adjusted Diluted Earnings per Share
$7.21 $5.98 $11.49 $14.26 $4.45 $3.64 $16.02 $4.46 $14.34 $5.49
Adjusted Weighted Average Diluted Shares Outstanding
76.44M 72.26M 68.58M 67.60M 62.45M 58.77M 50M 50M 50M 50.40M
Adjusted Basic & Diluted Earnings per Share
$0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding
72.71M 68.62M 68.05M 65.02M 58.43M 60.97M 49.95M 50.12M 49.42M 49.09M
Normalized Net Operating Profit after Tax (NOPAT)
605 518 769 946 506 208 1,594 224 1,474 279
Normalized NOPAT Margin
19.82% 7.71% 30.65% 18.45% 12.49% 6.31% 48.72% 17.56% 85.92% 7.27%
Pre Tax Income Margin
30.50% 12.47% 21.17% 23.71% 16.35% 9.13% 31.91% 15.68% 45.14% 9.93%
Debt Service Ratios
- - - - - - - - - -
EBIT to Interest Expense
2.82 1.95 2.33 2.24 1.04 0.60 5.45 1.19 2.20 0.40
NOPAT to Interest Expense
5.50 1.21 3.38 1.74 0.79 0.42 6.24 1.34 1.68 0.29
EBIT Less CapEx to Interest Expense
2.82 1.95 4.67 2.24 1.04 0.60 5.45 2.39 1.10 0.40
NOPAT Less CapEx to Interest Expense
3.67 1.21 1.69 1.74 0.79 0.42 4.16 1.34 2.52 0.29
Payout Ratios
- - - - - - - - - -
Dividend Payout Ratio
0.00% 5.80% 14.64% 13.00% 45.68% 28.50% 15.73% 57.85% 11.70% 15.52%
Augmented Payout Ratio
157.19% 160.12% 254.55% 59.02% 396.76% 28.50% 20.97% 73.99% 42.90% 35.38%

Quarterly Metrics and Ratios for Bread Financial

This table displays calculated financial ratios and metrics derived from Bread Financial's official financial filings.

Metric Q3 2022 Q4 2022 Q1 2023 Q2 2023 Q3 2023 Q4 2023 Q1 2024 Q2 2024 Q3 2024 Q4 2024
Growth Metrics
- - - - - - - - - -
Revenue Growth
15.04% 20.82% 39.96% 6.61% 5.31% -1.55% -23.12% -1.37% -4.66% -9.05%
EBITDA Growth
-22.71% -222.69% 100.29% 101.35% 13.47% 252.05% -65.34% 55.70% -67.63% -91.44%
EBIT Growth
-27.03% -423.44% 111.26% 437.50% 19.05% 127.54% -70.53% 109.30% -82.22% -147.37%
NOPAT Growth
-34.95% -341.50% 115.64% 866.67% 58.21% 131.06% -70.33% 107.81% -98.27% -142.00%
Net Income Growth
-40.18% -882.35% 116.67% 300.00% 27.61% 133.08% -70.55% 177.08% -98.83% -81.82%
EPS Growth
-39.82% -885.29% 116.19% 280.00% 27.14% 132.96% -70.26% 180.00% -98.54% -90.91%
Operating Cash Flow Growth
28.00% 48.36% -19.92% 78.86% 3.45% 24.14% 12.31% 39.07% -27.50% -22.37%
Free Cash Flow Firm Growth
277.15% -2,048.32% 1,826.61% 7,223.14% -37.04% 137.34% -97.32% -115.24% -142.80% 86.93%
Invested Capital Growth
-16.14% 7.84% -15.99% -23.46% -14.92% -240.15% 1.11% 6.59% 8.59% -47.58%
Revenue Q/Q Growth
9.63% 5.52% 24.78% -26.14% 8.30% -1.36% -2.56% -5.25% 4.69% -5.90%
EBITDA Q/Q Growth
231.08% -159.59% 580.14% -156.57% 173.15% -20.14% 9.46% -4.53% -61.21% -78.89%
EBIT Q/Q Growth
1,081.25% -209.52% 408.21% -173.04% 323.26% -74.67% 229.82% -4.26% -77.78% -167.50%
NOPAT Q/Q Growth
1,016.67% -208.13% 414.01% -171.87% 170.31% -73.99% 200.00% -1.48% -97.74% -730.00%
Net Income Q/Q Growth
1,016.67% -199.25% 442.11% -89.45% 512.50% -74.27% 204.55% -0.75% -98.50% 300.00%
EPS Q/Q Growth
976.00% -199.26% 440.07% -179.07% 260.00% -74.27% 206.82% -1.48% -98.12% 60.00%
Operating Cash Flow Q/Q Growth
147.15% -18.26% -19.92% -13.82% 166.76% -1.91% -27.55% 6.71% -4.40% 5.04%
Free Cash Flow Firm Q/Q Growth
2,654.04% -742.42% 117.03% 23.20% -79.08% 194.42% -98.78% -800.00% -69.75% 1,385.99%
Invested Capital Q/Q Growth
-14.23% 146.63% -63.01% -2.18% -9.34% 131.69% -53.20% 3.12% -2.88% 11.85%
Profitability Metrics
- - - - - - - - - -
EBITDA Margin
25.03% -14.13% 54.38% 31.30% 53.93% 7.28% 24.52% 24.71% 9.16% 2.05%
EBIT Margin
19.31% -20.04% 49.50% 9.03% 43.65% 1.87% 18.97% 19.17% 4.07% -2.92%
Profit (Net Income) Margin
13.69% -12.88% 35.30% 10.08% 16.59% 4.33% 13.52% 14.16% 0.20% 0.86%
Tax Burden Percent
70.90% 64.25% 71.32% 55.81% 76.00% 0.00% 71.28% 73.89% 5.00% -29.63%
Interest Burden Percent
100.00% 0.00% 100.00% 100.00% 200.00% 0.00% 100.00% 100.00% 100.00% 100.00%
Effective Tax Rate
29.10% 0.00% 28.68% 51.16% 46.22% -136.84% 28.19% 26.11% 92.50% 0.00%
Return on Invested Capital (ROIC)
5.47% -5.42% 17.79% 3.34% 18.74% 1.32% 7.11% 7.34% 0.16% -0.63%
ROIC Less NNEP Spread (ROIC-NNEP)
5.47% -5.27% 17.79% 3.07% 18.66% 1.31% 7.09% 7.34% 0.14% -0.43%
Return on Net Nonoperating Assets (RNNOA)
16.03% -18.70% 41.62% 7.44% 18.00% 7.43% 11.77% 11.74% 0.21% -1.90%
Return on Equity (ROE)
21.50% -24.12% 59.41% 10.77% 27.37% 8.75% 18.88% 19.08% 0.37% -2.53%
Cash Return on Invested Capital (CROIC)
22.13% 237.36% 23.00% 32.64% 23.38% -109.01% 4.36% -0.05% -3.96% 130.26%
Operating Return on Assets (OROA)
3.19% -3.25% 9.68% 3.54% 4.31% 0.33% 3.42% 3.49% 0.74% -0.49%
Return on Assets (ROA)
2.26% -2.09% 6.90% 0.99% 3.28% 0.76% 2.44% 2.58% 0.04% 0.14%
Return on Common Equity (ROCE)
21.50% -24.12% 59.41% 10.77% 27.37% 8.75% 18.88% 19.08% 0.37% -2.53%
Return on Equity Simple (ROE_SIMPLE)
15.55% 0.00% 17.23% 18.42% 18.89% 0.00% 13.09% 15.21% 10.06% 0.00%
Net Operating Profit after Tax (NOPAT)
134 -145 455 64 173 45 135 133 3.00 -19
NOPAT Margin
13.69% -14.03% 35.30% 6.72% 16.78% 4.42% 13.62% 14.16% 0.31% -2.04%
Net Nonoperating Expense Percent (NNEP)
0.00% -0.15% 0.00% 0.26% 0.04% 0.01% 0.02% 0.00% 0.02% -0.20%
SG&A Expenses to Revenue
32.79% 33.30% 25.91% 34.87% 30.94% 33.83% 31.79% 34.08% 34.49% 40.00%
Operating Expenses to Revenue
49.64% 52.95% 42.20% 111.34% 97.38% 50.74% 48.64% 49.95% 58.39% 57.84%
Earnings before Interest and Taxes (EBIT)
189 -207 638 86 225 57 188 180 40 -27
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)
245 -146 701 149 278 222 243 232 90 19
Valuation Ratios
- - - - - - - - - -
Price to Book Value (P/BV)
0.62 0.80 0.54 0.56 0.59 0.54 0.60 0.69 0.76 0.99
Price to Tangible Book Value (P/TBV)
0.88 1.23 0.77 0.79 0.81 0.74 0.80 0.91 1.00 1.31
Price to Revenue (P/Rev)
0.41 0.95 0.35 0.36 0.39 1.90 0.46 0.55 0.60 0.79
Price to Earnings (P/E)
4.02 8.08 3.15 3.06 3.13 6.77 4.59 4.56 7.55 10.92
Dividend Yield
2.79% 5.79% 3.57% 6.82% 6.24% 12.91% 1.71% 1.42% 1.32% 1.38%
Earnings Yield
24.89% 36.80% 31.71% 32.71% 32.00% 133.95% 21.78% 21.91% 13.24% 9.16%
Enterprise Value to Invested Capital (EV/IC)
0.46 0.58 0.36 0.39 0.36 1.62 0.35 0.37 0.45 0.57
Enterprise Value to Revenue (EV/Rev)
1.05 1.55 0.66 0.69 0.59 1.55 0.67 0.73 0.89 1.28
Enterprise Value to EBITDA (EV/EBITDA)
4.88 11.32 3.15 3.07 5.52 1.38 3.61 3.51 5.47 8.40
Enterprise Value to EBIT (EV/EBIT)
6.74 19.79 4.32 4.13 3.41 1.13 5.19 4.74 8.19 12.87
Enterprise Value to NOPAT (EV/NOPAT)
9.22 53.00 5.87 5.60 4.53 6.76 6.44 5.97 11.07 17.57
Enterprise Value to Operating Cash Flow (EV/OCF)
2.28 9.65 1.57 1.58 1.36 5.02 1.32 1.34 1.75 2.64
Enterprise Value to Free Cash Flow (EV/FCFF)
1.90 0.25 1.44 1.04 1.41 0.00 8.07 0.00 0.00 0.30
Leverage & Solvency
- - - - - - - - - -
Debt to Equity
2.47 7.07 1.80 3.43 1.47 5.44 1.53 1.50 1.47 1.82
Long-Term Debt to Equity
2.47 7.07 1.80 1.72 2.95 5.44 1.53 1.50 1.47 1.82
Financial Leverage
2.93 7.10 2.34 2.42 3.86 11.31 1.66 1.60 1.47 4.48
Leverage Ratio
9.52 44.49 8.61 8.66 8.28 28.10 7.70 7.41 7.25 7.71
Compound Leverage Factor
9.52 0.00 8.61 17.33 16.56 0.00 7.70 7.41 7.25 7.71
Debt to Total Capital
71.20% 155.90% 64.26% 63.20% 59.59% 193.37% 60.54% 60.00% 59.56% 64.56%
Short-Term Debt to Total Capital
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital
71.20% 77.95% 64.26% 63.20% 59.59% 64.46% 60.54% 60.00% 59.56% 64.56%
Preferred Equity to Total Capital
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Noncontrolling Interests to Total Capital
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital
28.80% 44.10% 35.74% 36.80% 80.82% 177.71% 39.46% 40.01% 40.44% 35.44%
Debt to EBITDA
7.53 15.31 5.59 4.95 4.30 2.20 6.25 5.75 7.17 9.52
Net Debt to EBITDA
2.98 39.35 1.46 1.45 1.83 0.71 1.16 0.85 1.77 3.22
Long-Term Debt to EBITDA
7.53 45.93 5.59 9.90 4.30 3.30 6.25 5.75 7.17 9.52
Debt to NOPAT
14.22 71.49 10.44 9.03 7.55 14.36 11.16 9.78 14.51 19.92
Net Debt to NOPAT
5.63 18.38 2.72 2.64 3.02 2.31 2.07 1.44 3.59 6.73
Long-Term Debt to NOPAT
14.22 107.24 10.44 9.03 7.55 10.77 11.16 9.78 14.51 19.92
Noncontrolling Interest Sharing Ratio
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Liquidity Ratios
- - - - - - - - - -
Cash Flow Metrics
- - - - - - - - - -
Free Cash Flow to Firm (FCFF)
1,738 -11,164 1,901 2,342 1,416 4,169 51 -357 -606 7,793
Operating Cash Flow to CapEx
0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense
13.07 -56.96 8.72 22.85 6.47 17.59 0.21 -1.48 -2.53 33.74
Operating Cash Flow to Interest Expense
4.57 2.54 1.83 1.67 2.87 2.60 1.80 1.98 1.90 2.07
Operating Cash Flow Less CapEx to Interest Expense
4.57 2.54 1.83 3.35 5.74 2.60 1.80 1.98 1.90 2.07
Efficiency Ratios
- - - - - - - - - -
Asset Turnover
0.17 1.07 0.20 0.20 0.40 0.35 0.18 0.18 0.18 0.17
Fixed Asset Turnover
14.70 18.66 20.97 22.33 23.65 94.78 23.07 24.94 25.52 24.84
Capital & Investment Metrics
- - - - - - - - - -
Invested Capital
8,330 20,544 7,600 7,434 7,087 16,420 7,684 7,924 7,696 8,608
Invested Capital Turnover
0.40 1.13 0.50 0.50 0.56 0.30 0.52 0.52 0.53 0.31
Increase / (Decrease) in Invested Capital
-1,604 11,019 -1,446 -2,278 -1,243 -12,372 84 490 609 -7,812
Enterprise Value (EV)
3,847 5,918 2,749 2,914 2,534 13,308 2,686 2,901 3,497 4,903
Market Capitalization
1,499 1,802 1,476 1,541 1,691 1,589 1,823 2,200 2,364 3,025
Book Value per Share
$48.13 $181.73 $54.19 $54.59 $57.02 $118.30 $61.35 $63.93 $62.64 $61.37
Tangible Book Value per Share
$34.29 $58.81 $38.43 $39.03 $41.67 $87.41 $46.11 $48.93 $47.47 $46.36
Total Capital
8,330 41,088 7,600 7,434 7,087 24,630 7,684 7,924 7,696 8,608
Total Debt
5,931 24,021 4,884 4,698 4,223 10,584 4,652 4,754 4,584 5,557
Total Long-Term Debt
5,931 24,021 4,884 4,698 4,223 15,876 4,652 4,754 4,584 5,557
Net Debt
2,348 12,348 1,273 1,373 843 3,404 863 701 1,133 1,878
Capital Expenditures (CapEx)
0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)
0.00 -12 0.00 16 2.00 2.00 1.00 0.00 1.00 -27
Net Nonoperating Obligations (NNO)
5,931 24,021 4,884 4,698 4,223 21,168 4,652 4,754 4,584 5,557
Total Depreciation and Amortization (D&A)
56 183 63 63 53 110 55 52 50 46
Earnings Adjustments
- - - - - - - - - -
Adjusted Basic Earnings per Share
$2.69 ($2.67) $9.10 $0.95 $3.44 $0.88 $2.71 $2.69 $0.05 $0.13
Adjusted Weighted Average Basic Shares Outstanding
49.80M 49.90M 50M 50.10M 49.90M 49.80M 49.50M 49.60M 49.70M 49.60M
Adjusted Diluted Earnings per Share
$2.69 ($2.67) $9.08 $0.95 $3.42 $0.88 $2.70 $2.66 $0.05 $0.08
Adjusted Weighted Average Diluted Shares Outstanding
49.90M 50M 50.10M 50.30M 50.10M 50M 49.70M 50.20M 51M 50.40M
Adjusted Basic & Diluted Earnings per Share
$0.00 ($2.67) $0.00 $0.00 $0.00 $0.88 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding
49.85M 50.12M 50.12M 50.22M 49.33M 49.42M 49.58M 49.68M 49.72M 49.09M
Normalized Net Operating Profit after Tax (NOPAT)
134 -145 455 64 173 27 135 133 28 -19
Normalized NOPAT Margin
13.69% -14.03% 35.30% 6.72% 16.78% 1.31% 13.62% 14.16% 2.85% -2.04%
Pre Tax Income Margin
19.31% -20.04% 49.50% 18.07% 21.82% 1.87% 18.97% 19.17% 4.07% -2.92%
Debt Service Ratios
- - - - - - - - - -
EBIT to Interest Expense
1.42 -1.06 2.93 0.84 1.03 0.08 0.76 0.75 0.17 -0.12
NOPAT to Interest Expense
1.01 -0.74 2.09 0.31 1.58 0.19 0.54 0.55 0.01 -0.08
EBIT Less CapEx to Interest Expense
1.42 -1.06 2.93 0.84 1.03 0.08 0.76 0.75 0.17 -0.12
NOPAT Less CapEx to Interest Expense
1.01 -0.74 2.09 0.62 1.58 0.19 0.54 0.55 0.01 -0.08
Payout Ratios
- - - - - - - - - -
Dividend Payout Ratio
11.53% 38.57% 9.40% 16.67% 7.95% 11.70% 10.58% 8.92% 13.42% 15.52%
Augmented Payout Ratio
14.75% 98.65% 9.40% 16.67% 14.42% 10.72% 22.17% 18.46% 16.93% 35.38%

Frequently Asked Questions About Bread Financial's Financials

When does Bread Financial's financial year end?

According to the most recent income statement we have on file, Bread Financial's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Bread Financial's net income changed over the last 9 years?

Bread Financial's net income appears to be on a downward trend, with a most recent value of $277 million in 2024, falling from $605.40 million in 2015. The previous period was $718 million in 2023.

How has Bread Financial revenue changed over the last 9 years?

Over the last 9 years, Bread Financial's total revenue changed from $6.11 billion in 2015 to $3.84 billion in 2024, a change of -37.2%.

How much debt does Bread Financial have?

Bread Financial's total liabilities were at $19.84 billion at the end of 2024, a 1.9% decrease from 2023, and a 1.6% decrease since 2015.

How much cash does Bread Financial have?

In the past 9 years, Bread Financial's cash and equivalents has ranged from $1.17 billion in 2015 to $4.19 billion in 2017, and is currently $3.68 billion as of their latest financial filing in 2024.

How has Bread Financial's book value per share changed over the last 9 years?

Over the last 9 years, Bread Financial's book value per share changed from 32.88 in 2015 to 61.37 in 2024, a change of 86.7%.



This page (NYSE:BFH) was last updated on 4/29/2025 by MarketBeat.com Staff
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