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ADS

Bread Financial Holdings, Inc.

Financial Services

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Price alert · ADS

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56.80 0.00 0.00%
As of Apr 4, 2022
56.29 Day range 57.82

52-week range unavailable

Open
56.84
Prev close
56.80
Mkt cap
2.84B
Vol
463.84K
Avg vol
0
EPS
0.00
P/E
0.00
Div yield
1.50%
More statistics
Low
56.29
High
57.82
Forward P/E
4.80
Beta
2.16
Short ratio
2.08
Inst. own
94.04%
Dividend
0.84
Ex-div date
Feb 9, 2022
Earnings
May 5, 2022
50-d avg
63.17
200-d avg
72.17
1y target
86.50

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Financial health

Altman Z-Score

296.87 Safe zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

Valuation

P/E 5.1×
FY 2016: 26.0×FY 2017: 17.9×FY 2018: 8.6×FY 2019: 20.2×FY 2020: 16.6×FY 2021: 4.0×FY 2022: 12.7×FY 2023: 3.9×FY 2024: 10.2×FY 2025: 5.1×
FY 2016 5y median 5.1× FY 2025
P/S 0.5×
FY 2016: 1.9×FY 2017: 1.8×FY 2018: 1.1×FY 2019: 1.0×FY 2020: 0.8×FY 2021: 0.9×FY 2022: 0.6×FY 2023: 0.5×FY 2024: 0.6×FY 2025: 0.5×
FY 2016 5y median 0.6× FY 2025
P/B 0.8×
FY 2016: 8.1×FY 2017: 7.6×FY 2018: 3.5×FY 2019: 3.5×FY 2020: 2.3×FY 2021: 1.5×FY 2022: 1.3×FY 2023: 1.0×FY 2024: 0.9×FY 2025: 0.8×
FY 2016 5y median 1.0× FY 2025
P/FCF 1.3×
FY 2016: 7.1×FY 2017: 5.9×FY 2018: 3.2×FY 2019: 4.6×FY 2020: 1.9×FY 2021: 2.2×FY 2022: 1.6×FY 2023: 1.4×FY 2024: 1.5×FY 2025: 1.3×
FY 2016 5y median 1.5× FY 2025
EV/EBITDA -0.6×
FY 2016: 14.6×FY 2017: 12.5×FY 2018: 8.2×FY 2019: 8.9×FY 2020: 27.8×FY 2021: 6.6×FY 2022: 17.1×FY 2023: 4.3×FY 2024: 10.2×FY 2025: -0.6×
FY 2016 5y median 6.6× FY 2025
EV/Sales -0.2×
FY 2016: 3.4×FY 2017: 3.2×FY 2018: 2.3×FY 2019: 2.1×FY 2020: 4.2×FY 2021: 2.1×FY 2022: 1.6×FY 2023: 0.9×FY 2024: 1.0×FY 2025: -0.2×
FY 2016 5y median 1.0× FY 2025
FCF Yield 78.7%
FY 2016: 14.1%FY 2017: 16.9%FY 2018: 31.0%FY 2019: 22.0%FY 2020: 51.6%FY 2021: 45.9%FY 2022: 62.8%FY 2023: 70.2%FY 2024: 66.0%FY 2025: 78.7%
FY 2016 5y median 66.0% FY 2025

Profitability

Gross Margin 0.0%
FY 2016: 40.1%FY 2017: 44.7%FY 2018: 45.8%FY 2019: 51.8%FY 2020: 43.1%FY 2021: 56.4%FY 2022: 52.0%FY 2023: 59.3%FY 2024: 50.9%FY 2025: 0.0%
FY 2016 5y median 52.0% FY 2025
Operating Margin 10.6%
FY 2016: 17.7%FY 2017: 21.3%FY 2018: 24.3%FY 2019: 23.4%FY 2020: 19.6%FY 2021: 28.7%FY 2022: 6.9%FY 2023: 18.7%FY 2024: 7.9%FY 2025: 10.6%
FY 2016 5y median 10.6% FY 2025
Net Margin 10.5%
FY 2016: 7.2%FY 2017: 10.2%FY 2018: 12.4%FY 2019: 5.0%FY 2020: 4.7%FY 2021: 21.8%FY 2022: 5.1%FY 2023: 13.9%FY 2024: 5.8%FY 2025: 10.5%
FY 2016 5y median 10.5% FY 2025
ROE 15.6%
FY 2016: 31.1%FY 2017: 42.5%FY 2018: 41.3%FY 2019: 17.5%FY 2020: 14.0%FY 2021: 38.2%FY 2022: 9.8%FY 2023: 24.6%FY 2024: 9.1%FY 2025: 15.6%
FY 2016 5y median 15.6% FY 2025
ROIC 9.3%
FY 2016: 4.2%FY 2017: 5.5%FY 2018: 6.8%FY 2019: 5.7%FY 2020: 3.2%FY 2021: 8.0%FY 2022: 2.0%FY 2023: 3.3%FY 2024: -7.0%FY 2025: 9.3%
FY 2016 5y median 3.3% FY 2025
ROA 2.3%
FY 2016: 2.0%FY 2017: 2.6%FY 2018: 3.2%FY 2019: 1.0%FY 2020: 0.9%FY 2021: 3.7%FY 2022: 0.9%FY 2023: 3.1%FY 2024: 1.2%FY 2025: 2.3%
FY 2016 5y median 2.3% FY 2025

Growth (YoY)

Revenue 2.4%
FY 2016: 10.8%FY 2017: 8.1%FY 2018: 0.9%FY 2019: -28.4%FY 2020: -19.0%FY 2021: -19.2%FY 2022: 19.6%FY 2023: 18.3%FY 2024: -7.3%FY 2025: 2.4%
FY 2016 FY 2025
Operating Income 36.7%
FY 2016: 0.3%FY 2017: 30.0%FY 2018: 15.1%FY 2019: -31.0%FY 2020: -32.0%FY 2021: 18.0%FY 2022: -71.4%FY 2023: 222.7%FY 2024: -60.6%FY 2025: 36.7%
FY 2016 FY 2025
EPS (diluted) 98.0%
FY 2016: -8.6%FY 2017: 61.1%FY 2018: 23.9%FY 2019: -68.8%FY 2020: -18.3%FY 2021: 273.1%FY 2022: -73.2%FY 2023: 222.0%FY 2024: -61.7%FY 2025: 98.0%
FY 2016 FY 2025
Free Cash Flow 12.5%
FY 2016: 24.3%FY 2017: 26.7%FY 2018: 7.2%FY 2019: -51.8%FY 2020: 48.3%FY 2021: -20.2%FY 2022: 22.0%FY 2023: 11.6%FY 2024: -6.4%FY 2025: 12.5%
FY 2016 FY 2025

Financial Health

Current Ratio 0.0×
FY 2016: 2.1×FY 2017: 2.4×FY 2018: 2.2×FY 2019: 2.0×FY 2020: 1.9×FY 2021: 1.7×FY 2022: 10.4×FY 2023: 13.2×FY 2024: 0.4×FY 2025: 0.0×
FY 2016 5y median 1.7× FY 2025
Quick Ratio 0.0×
FY 2016: 2.1×FY 2017: 2.4×FY 2018: 2.1×FY 2019: 2.0×FY 2020: 1.9×FY 2021: 1.7×FY 2022: 12.0×FY 2023: 16.7×FY 2024: 0.4×FY 2025: 0.0×
FY 2016 5y median 1.7× FY 2025
Debt / Equity 0.0×
FY 2016: 7.6×FY 2017: 8.0×FY 2018: 5.7×FY 2019: 6.4×FY 2020: 12.2×FY 2021: 3.6×FY 2022: 3.6×FY 2023: 1.9×FY 2024: 1.9×FY 2025: 0.0×
FY 2016 5y median 1.9× FY 2025
Net Debt / EBITDA -2.3×
FY 2016: 6.5×FY 2017: 5.4×FY 2018: 4.4×FY 2019: 4.7×FY 2020: 22.6×FY 2021: 3.9×FY 2022: 10.3×FY 2023: 1.7×FY 2024: 4.3×FY 2025: -2.3×
FY 2016 5y median 3.9× FY 2025
Interest Coverage 0.6×
FY 2016: 4.2×FY 2017: 4.0×FY 2018: 4.2×FY 2019: 3.7×FY 2020: 8.2×FY 2021: 262×FY 2022: 0.6×FY 2023: 1.1×FY 2024: 0.4×FY 2025: 0.6×
FY 2016 5y median 0.6× FY 2025

Dividends

Dividend Yield 1.6%
FY 2016: 0.2%FY 2017: 0.8%FY 2018: 1.5%FY 2019: 2.3%FY 2020: 1.7%FY 2021: 1.3%FY 2022: 1.5%FY 2023: 1.5%FY 2024: 1.5%FY 2025: 1.6%
FY 2016 5y median 1.5% FY 2025
Payout Ratio 8.1%
FY 2016: 5.8%FY 2017: 14.6%FY 2018: 13.0%FY 2019: 45.8%FY 2020: 28.4%FY 2021: 5.3%FY 2022: 19.3%FY 2023: 5.8%FY 2024: 15.5%FY 2025: 8.1%
FY 2016 5y median 8.1% FY 2025

Annual · latest fiscal year ends 2025-12-31