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5-day change | 1st Jan Change | ||
| 86.76 USD | -0.08% |
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-0.66% | +17.20% |
| 05-15 | Bread Financial Reports Lower 30-Day-Plus Delinquencies in April | MT |
| 05-15 | Bread Financial provides performance update for April 2026 | RE |
Projected Income Statement: Bread Financial Holdings, Inc.
| Fiscal Period: December | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|---|---|---|---|
| Net sales 1 | 3,655 | 3,826 | 4,289 | 3,838 | 3,845 | 3,949 | 4,094 | 4,223 |
| Change | - | 4.68% | 12.1% | -10.52% | 0.18% | 2.7% | 3.68% | 3.14% |
| EBITDA 1 | 1,519 | - | 1,084 | 1,964 | 695 | 710.8 | 710.4 | 777.1 |
| Change | - | - | - | 81.18% | -64.61% | 2.27% | -0.06% | 9.39% |
| EBIT 1 | 1,427 | 1,894 | 2,197 | 1,874 | 1,928 | 1,991 | 2,078 | 2,114 |
| Change | - | 32.73% | 16% | -14.7% | 2.88% | 3.28% | 4.33% | 1.76% |
| Interest Paid 1 | - | -503 | -879 | -960 | -854 | -773.2 | -778.9 | -767 |
| Earnings before Tax (EBT) 1 | 1,044 | 300 | 968 | 381 | 615 | 640 | 662.6 | 743.9 |
| Change | - | -71.26% | 222.67% | -60.64% | 61.42% | 4.06% | 3.54% | 12.27% |
| Net income 1 | 801 | 223 | 718 | 277 | 518 | 465.7 | 473.5 | 490.2 |
| Change | - | -72.16% | 221.97% | -61.42% | 87% | -10.09% | 1.67% | 3.52% |
| Announcement Date | 27/01/22 | 26/01/23 | 25/01/24 | 30/01/25 | 28/01/26 | - | - | - |
Forecast Balance Sheet: Bread Financial Holdings, Inc.
| Fiscal Period: December | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|---|---|---|---|
| Net Debt 1 | - | 4,116 | 15,322 | 14,960 | 14,620 | 14,927 | 15,199 | 15,583 |
| Change | - | - | 272.25% | -2.36% | -2.27% | 2.1% | 1.82% | 2.53% |
| Announcement Date | 27/01/22 | 26/01/23 | 25/01/24 | 30/01/25 | 28/01/26 | - | - | - |
Cash Flow Forecast: Bread Financial Holdings, Inc.
| Fiscal Period: December | 2021 | 2022 | 2023 | 2024 | 2026 | 2027 | 2028 |
|---|---|---|---|---|---|---|---|
| CAPEX 1 | 84 | 68 | 48 | 36 | 24 | 24 | 24 |
| Change | - | -19.05% | -29.41% | -25% | - | 0% | 0% |
| Free Cash Flow (FCF) 1 | 1,459 | 1,780 | 1,939 | 1,823 | 479 | 573 | 687 |
| Change | - | 22% | 8.93% | -5.98% | - | 19.62% | 19.9% |
| Announcement Date | 27/01/22 | 26/01/23 | 25/01/24 | 30/01/25 | - | - | - |
Forecast Financial Ratios: Bread Financial Holdings, Inc.
| Fiscal Period: December | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|---|---|---|---|
Profitability | ||||||||
| EBITDA Margin (%) | 41.56% | - | 25.27% | 51.17% | 18.08% | 18% | 17.35% | 18.4% |
| EBIT Margin (%) | 39.04% | 49.5% | 51.22% | 48.83% | 50.14% | 50.43% | 50.75% | 50.06% |
| EBT Margin (%) | 28.56% | 7.84% | 22.57% | 9.93% | 15.99% | 16.21% | 16.19% | 17.62% |
| Net margin (%) | 21.92% | 5.83% | 16.74% | 7.22% | 13.47% | 11.79% | 11.57% | 11.61% |
| FCF margin (%) | 39.92% | 46.52% | 45.21% | 47.5% | - | 12.13% | 14% | 16.27% |
| FCF / Net Income (%) | 182.15% | 798.21% | 270.06% | 658.12% | - | 102.85% | 121.01% | 140.16% |
Profitability | ||||||||
| ROA | 3.6% | 1% | 3.3% | 1.3% | 2.4% | 2.08% | 2% | 1.95% |
| ROE | 40.7% | 9.8% | 27.1% | 8.7% | 15.8% | 13.94% | 13.73% | 13.69% |
Financial Health | ||||||||
| Leverage (Debt/EBITDA) | - | - | 14.13x | 7.62x | 21.04x | 21x | 21.4x | 20.05x |
| Debt / Free cash flow | - | 2.31x | 7.9x | 8.21x | - | 31.16x | 26.52x | 22.68x |
Capital Intensity | ||||||||
| CAPEX / Current Assets (%) | 2.3% | 1.78% | 1.12% | 0.94% | - | 0.61% | 0.59% | 0.57% |
| CAPEX / EBITDA (%) | 5.53% | - | 4.43% | 1.83% | - | 3.38% | 3.38% | 3.09% |
| CAPEX / FCF (%) | 5.76% | 3.82% | 2.48% | 1.97% | - | 5.01% | 4.19% | 3.49% |
Items per share | ||||||||
| Cash flow per share 1 | - | 36.96 | - | - | - | - | - | - |
| Change | - | - | - | - | - | - | - | - |
| Dividend per Share 1 | 0.84 | 0.84 | 0.84 | 0.84 | 0.86 | 0.927 | 0.96 | 1.05 |
| Change | - | 0% | 0% | 0% | 2.38% | 7.79% | 3.56% | 9.38% |
| Book Value Per Share 1 | 41.8 | 45.39 | 58.59 | 62.17 | 62.17 | 86.52 | 98.86 | 112.1 |
| Change | - | 8.58% | 29.09% | 6.11% | -0% | 39.16% | 14.26% | 13.37% |
| EPS 1 | 16.02 | 4.46 | 14.34 | 5.49 | 10.89 | 11.08 | 12.52 | 13.94 |
| Change | - | -72.16% | 221.52% | -61.72% | 98.36% | 1.71% | 13% | 11.41% |
| Nbr of stocks (in thousands) | 49,785 | 49,853 | 49,331 | 49,715 | 45,662 | 40,407 | 40,407 | 40,407 |
| Announcement Date | 27/01/22 | 26/01/23 | 25/01/24 | 30/01/25 | 28/01/26 | - | - | - |
| 2026 * | 2027 * | |
|---|---|---|
| P/E ratio | 7.83x | 6.93x |
| PBR | 1x | 0.88x |
| EV / Sales | 4.67x | 4.57x |
| Yield | 1.07% | 1.11% |
EPS & Dividend
Y-o-Y evolution of P/E
Year-on-year evolution of the Yield
Trader
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Global
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Quarterly revenue - Rate of surprise
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