Business Description
Bread Financial Holdings Inc
NAICS : 522210
SIC : 6159
3075 Loyalty Circle, Columbus, OH, USA, 43219
Description
Formed by a combination of J.C. Penney'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 spunoff 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 | 0.42 | |||||
| Equity-to-Asset | 0.1 | |||||
| Debt-to-Equity | 3.27 | |||||
| Debt-to-EBITDA | 23.1 | |||||
| Interest Coverage | N/A |
N/A
|
N/A
| |||
| Piotroski F-Score | 6/9 | |||||
| Altman Z-Score | 0 | |||||
| Beneish M-Score | -0.57 | |||||
| WACC vs ROIC | ||||||
Growth Rank
2/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 3-Year Revenue Growth Rate | -14 | |||||
| 3-Year EBITDA Growth Rate | -100 | |||||
| 3-Year EPS without NRI Growth Rate | -2.4 | |||||
| 3-Year FCF Growth Rate | -14.3 | |||||
| 3-Year Book Growth Rate | -1.4 | |||||
| Future 3-5Y EPS without NRI Growth Rate Industry Rank | 1 | |||||
| Future 3-5Y Total Revenue Growth Rate Industry Rank | -3.71 |
Momentum Rank
7/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| 5-Day RSI | 75.32 | |||||
| 9-Day RSI | 64.88 | |||||
| 14-Day RSI | 58.48 | |||||
| 6-1 Month Momentum % | -42.96 | |||||
| 12-1 Month Momentum % | -45.39 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History |
|---|
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Dividend Yield % | 1.9 | |||||
| Dividend Payout Ratio | 0.09 | |||||
| 3-Year Dividend Growth Rate | -28.3 | |||||
| Forward Dividend Yield % | 1.9 | |||||
| 5-Year Yield-on-Cost % | 2.19 | |||||
| 3-Year Average Share Buyback Ratio | 2.2 |
Profitability Rank
7/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| Gross Margin % | 80.76 | |||||
| Operating Margin % | 9.62 | |||||
| Net Margin % | 15.33 | |||||
| ROE % | 21.21 | |||||
| ROA % | 2.13 | |||||
| ROIC % | 1.23 | |||||
| Years of Profitability over Past 10-Year | 10 |
GF Value Rank
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
| PE Ratio | 4.78 | |||||
| Forward PE Ratio | 6.06 | |||||
| PE Ratio without NRI | 4.81 | |||||
| Shiller PE Ratio | 3.89 | |||||
| Price-to-Owner-Earnings | 16.09 | |||||
| PEG Ratio | 1.27 | |||||
| PS Ratio | 0.73 | |||||
| PB Ratio | 0.97 | |||||
| Price-to-Tangible-Book | 1.39 | |||||
| Price-to-Free-Cash-Flow | 1.51 | |||||
| Price-to-Operating-Cash-Flow | 1.42 | |||||
| EV-to-EBIT | 24.42 | |||||
| EV-to-EBITDA | 22.06 | |||||
| EV-to-Revenue | 2.35 | |||||
| EV-to-Forward-Revenue | 1.77 | |||||
| EV-to-FCF | 4.86 | |||||
| Price-to-Projected-FCF | 0.11 | |||||
| Price-to-Median-PS-Value | 0.45 | |||||
| Price-to-Graham-Number | 0.55 | |||||
| Earnings Yield (Greenblatt) % | 4.1 | |||||
| Forward Rate of Return (Yacktman) % | 83.2 |
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Executives
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Analyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil $) | 3,021.8 | ||
| EPS (TTM) ($) | 9.26 | ||
| Beta | 2.18 | ||
| Volatility % | 40.3 | ||
| 14-Day RSI | 58.48 | ||
| 14-Day ATR ($) | 2.147277 | ||
| 20-Day SMA ($) | 41.678 | ||
| 12-1 Month Momentum % | -45.39 | ||
| 52-Week Range ($) | 34.55 - 84.614758 | ||
| Shares Outstanding (Mil) | 49.85 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 6 | ||
| 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
| Document | Form | Filing Date | ||
|---|---|---|---|---|
| No Filing Data | ||||