Formed by a combination of JCPenney's credit card processing unit and The Limited's credit card bank business, Bread Financial is a provider of private label and co-branded credit cards, loyalty programs, and marketing services. The company's most financially significant unit is its credit card business that partners with retailers to jointly market Bread's credit cards to their customers. The company also retains minority interest in its recently spun-off LoyaltyOne division, which operates the largest airline miles loyalty program in Canada and offers marketing services to grocery chains in Europe and Asia.

Financial Strength

4/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	0.66
Equity-to-Asset	0.13
Debt-to-Equity	1.86
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	8/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.76	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

3/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	7.7
	3-Year EPS without NRI Growth Rate	40.9
	3-Year FCF Growth Rate	1.3
	3-Year Book Growth Rate	24.6
	Future 3-5Y EPS without NRI Growth Rate	-14.2
	Future 3-5Y Total Revenue Growth Rate	-2.13

Momentum Rank

10/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	4.29
	9-Day RSI	3.88
	14-Day RSI	3.72
	6-1 Month Momentum %	-62.99
	12-1 Month Momentum %	-62.99

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Dividend Growth Rate	-12.6
	3-Year Average Share Buyback Ratio	0.3
	Shareholder Yield %	126.63

Profitability Rank

7/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	16.69
	FCF Margin %	51.06
	ROE %	26.56
	ROA %	3.15
	Years of Profitability over Past 10-Year	10

GF Value Rank

9/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	2.55
	Forward PE Ratio	5.74
	PE Ratio without NRI	2.48
	Shiller PE Ratio	3.06
	Price-to-Owner-Earnings	2.52
	PEG Ratio	0.3
	PS Ratio	0.43
	PB Ratio	0.62
	Price-to-Tangible-Book	0.84
	Price-to-Free-Cash-Flow	0.92
	Price-to-Operating-Cash-Flow	0.92
	EV-to-Revenue	1.65
	EV-to-Forward-Revenue	1.82
	EV-to-FCF	3.57
	Price-to-Projected-FCF	0.09
	Price-to-Median-PS-Value	0.29
	Price-to-Peter-Lynch-Fair-Value	0.22
	Price-to-Graham-Number	0.3
	FCF Yield %	109.39
	Forward Rate of Return (Yacktman) %	102.7

Financials (Next Earnings Date:2024-07-26 Est.)

Annual Quarterly TTM

MEX:BFH's 30-Y Financials

AAPL

Income Statement Breakdown

Annual Quarterly

No Enough Data

AAPL

Balance Sheet Breakdown

Annual Quarterly

No Enough Data

AAPL

Cashflow Statement Breakdown

Annual Quarterly

No Enough Data

Historical Operating Revenue by Business Segment

Value % YoY

Historical Operating Revenue by Geographic Region

Value % YoY

See Details

5-Step DuPont Analysis as of

Annual Quarterly

No Enough Data

Guru Trades

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Insider Trades

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Peter Lynch Chart

Y-axis scale:

Log Linear

Interactive Chart

Performance

Dividend

Log

Bar

Annualized Return %

Symbol	1 Week	1 Month	3 Months	6 Months	YTD	1 Year	3 Years	5 Years	10 Years

Total Annual Return %

Symbol	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015

Bread Financial Holdings Inc Executives

Details

GF Value: MXN732.94

MEX:BFH

Valuation Chart

Year:

Warning Signs

Warning! GuruFocus detected 1 Severe warning sign with BFH. Try a 7-Day Free Trial to check it out.

Analyst Estimate

Annual Quarterly

Key Statistics

	Name	Value
	Revenue (TTM) (Mil MXN)	68,359.706
	EPS (TTM) (MXN)	136.486
	Beta	0.36
	Volatility %	63.12
	14-Day RSI	3.72
	14-Day ATR (MXN)	0.64038
	20-Day SMA (MXN)	561.15
	12-1 Month Momentum %	-62.99
	52-Week Range (MXN)	525.61 - 1516.26596
	Shares Outstanding (Mil)	49.56

Piotroski F-Score Details

Year:

	Component	Result
	Piotroski F-Score	8
	Positive ROA
	Positive CFROA
	Higher ROA yoy
	CFROA > ROA
	Lower Leverage yoy
	Higher Current Ratio yoy
	Less Shares Outstanding yoy
	Higher Gross Margin yoy
	Higher Asset Turnover yoy

Bread Financial Holdings Inc Filings

10-K10-QForm 4Others

	Filing Date	Document Date	Form
No Filing Data

Bread Financial Holdings Inc Stock Events

Financials Calendars

	Event	Date	Price(MXN)
No Event Data

Bread Financial Holdings Inc Frequently Asked Questions

What is Bread Financial Holdings Inc(MEX:BFH)'s stock price today?

The current price of MEX:BFH is MXN561.15. The 52 week high of MEX:BFH is MXN1516.27 and 52 week low is MXN525.61.

When is next earnings date of Bread Financial Holdings Inc(MEX:BFH)?

The next earnings date of Bread Financial Holdings Inc(MEX:BFH) is 2024-07-26 Est..

Does Bread Financial Holdings Inc(MEX:BFH) pay dividends? If so, how much?

Bread Financial Holdings Inc(MEX:BFH) does not pay dividend.

Press Release

	Subject	Date
No Press Release

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