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Bread Financial Holdings (MEX:BFH) E10 : MXN224.16 (As of Dec. 2024)


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What is Bread Financial Holdings E10?

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Bread Financial Holdings's adjusted earnings per share data for the three months ended in Dec. 2024 was MXN2.920. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is MXN224.16 for the trailing ten years ended in Dec. 2024.

During the past 12 months, Bread Financial Holdings's average E10 Growth Rate was -1.20% per year. During the past 3 years, the average E10 Growth Rate was 3.00% per year. During the past 5 years, the average E10 Growth Rate was 6.40% per year. During the past 10 years, the average E10 Growth Rate was 10.80% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Bread Financial Holdings was 41.80% per year. The lowest was 3.00% per year. And the median was 16.60% per year.

As of today (2025-03-20), Bread Financial Holdings's current stock price is MXN1156.00. Bread Financial Holdings's E10 for the quarter that ended in Dec. 2024 was MXN224.16. Bread Financial Holdings's Shiller PE Ratio of today is 5.16.

During the past 13 years, the highest Shiller PE Ratio of Bread Financial Holdings was 53.37. The lowest was 2.08. And the median was 9.34.


Bread Financial Holdings E10 Historical Data

The historical data trend for Bread Financial Holdings's E10 can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Bread Financial Holdings E10 Chart

Bread Financial Holdings Annual Data
Trend Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 120.24 246.68 448.12 551.45 224.16

Bread Financial Holdings Quarterly Data
Mar20 Jun20 Sep20 Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24
E10 Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 551.45 183.68 154.14 289.85 224.16

Competitive Comparison of Bread Financial Holdings's E10

For the Credit Services subindustry, Bread Financial Holdings's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Bread Financial Holdings's Shiller PE Ratio Distribution in the Credit Services Industry

For the Credit Services industry and Financial Services sector, Bread Financial Holdings's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where Bread Financial Holdings's Shiller PE Ratio falls into.



Bread Financial Holdings E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Bread Financial Holdings's adjusted earnings per share data for the three months ended in Dec. 2024 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Dec. 2024 (Change)*Current CPI (Dec. 2024)
=2.92/133.1571*133.1571
=2.920

Current CPI (Dec. 2024) = 133.1571.

Bread Financial Holdings Quarterly Data

per share eps CPI Adj_EPS
201503 35.368 99.621 47.274
201506 33.106 100.684 43.784
201509 35.148 100.392 46.620
201512 39.720 99.792 53.000
201603 40.453 100.470 53.614
201606 22.932 101.688 30.029
201609 68.641 101.861 89.730
201612 3.711 101.863 4.851
201703 48.579 102.862 62.886
201706 44.648 103.349 57.525
201709 76.222 104.136 97.464
201712 95.841 104.011 122.698
201803 53.594 105.290 67.779
201806 77.223 106.317 96.718
201809 100.820 106.507 126.047
201812 103.084 105.998 129.497
201903 54.314 107.251 67.434
201906 50.711 108.070 62.483
201909 -43.827 108.329 -53.872
201912 51.488 108.420 63.235
202003 14.772 108.902 18.062
202006 18.697 108.767 22.890
202009 61.634 109.815 74.735
202012 4.973 109.897 6.026
202103 117.331 111.754 139.802
202106 108.886 114.631 126.483
202109 91.912 115.734 105.749
202112 6.975 117.630 7.896
202203 83.626 121.301 91.800
202206 5.029 125.017 5.356
202209 54.109 125.227 57.536
202212 -52.444 125.222 -55.767
202303 163.667 127.348 171.133
202306 16.287 128.729 16.847
202309 59.573 129.860 61.086
202312 15.277 129.419 15.718
202403 44.810 131.776 45.280
202406 48.731 132.554 48.953
202409 0.985 133.029 0.986
202412 2.920 133.157 2.920

Add all the adjusted EPS together and divide 10 will get our e10.


Bread Financial Holdings  (MEX:BFH) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Bread Financial Holdings's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=1156.00/224.16
=5.16

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Shiller P/E Ratio of Bread Financial Holdings was 53.37. The lowest was 2.08. And the median was 9.34.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Bread Financial Holdings E10 Related Terms

Thank you for viewing the detailed overview of Bread Financial Holdings's E10 provided by GuruFocus.com. Please click on the following links to see related term pages.


Bread Financial Holdings Business Description

Address
3095 Loyalty Circle, Columbus, OH, USA, 43219
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 a minority interest in spun-off LoyaltyOne, which operates the largest airline miles loyalty program in Canada and offers marketing services to grocery chains in Europe and Asia.