Bread Financial Holdings, Inc. Ratios

Ratios Dec2009 Dec2010 Dec2011 Dec2012 Dec2013 Dec2014 Dec2015 Dec2016 Dec2017 Dec2018 Dec2019 Dec2020 Dec2021 Dec2022 Dec2023 Dec2024
Profitability
Gross Margin 31.06%44.64%42.90%42.15%40.98%39.30%40.77%40.08%54.89%55.23%94.94%95.66%95.11%95.30%96.25%96.17%
EBT Margin 13.39%11.14%16.20%18.75%18.37%15.80%14.47%12.11%19.41%21.44%16.35%9.13%31.91%7.84%22.57%9.93%
EBIT Margin 20.76%22.54%25.61%26.76%25.44%20.71%19.59%17.73%27.73%31.01%3.43%1.91%6.69%44.80%47.47%42.50%
EBITDA Margin 20.76%22.54%25.61%26.76%31.82%30.12%29.66%29.36%40.52%43.51%4.17%3.64%7.49%45.30%47.91%43.02%
Operating Margin 20.76%22.54%25.61%26.76%25.44%20.71%19.59%17.73%27.73%31.01%3.43%1.91%6.69%44.80%47.47%42.50%
Net Margin 7.32%6.94%9.94%11.60%11.49%9.55%9.26%7.23%14.41%17.00%6.86%6.49%24.48%-0.03%-0.44%-0.05%
FCF Margin 15.55%29.88%29.55%27.95%20.10%22.36%24.35%26.90%43.36%45.09%7.23%55.46%43.80%1.15%35.30%38.61%
Efficiency
Inventory Average 0.25B0.25B0.24B0.23B0.19B
Assets Average 4.78B6.75B8.63B10.49B12.62B16.72B21.27B23.93B28.10B30.54B28.44B24.52B22.15B23.58B24.27B23.02B
Equity Average 0.41B0.15B0.10B0.35B0.69B1.63B2.20B1.83B1.76B2.09B1.96B1.56B1.80B2.18B2.59B2.98B
Invested Capital 0.32B3.68B0.20B1.33B1.19B2.32B2.38B7.26B1.99B2.47B1.69B7.23B9.53B10.27B8.21B8.61B
Asset Utilization Ratio 0.410.410.370.350.340.320.300.300.190.190.140.130.150.160.180.17
Leverage & Solvency
Interest Coverage Ratio 2.821.982.723.343.608.337.032.953.333.240.220.130.573.412.321.70
Debt to Equity 6.5380.9612.415.403.271.762.503.383.282.391.795.603.573.541.811.82
Debt Ratio 0.340.230.240.240.210.210.220.220.200.180.110.380.340.320.230.24
Equity Ratio 0.050.000.020.040.060.120.090.060.060.080.060.070.100.090.130.13
Times Interest Earned 2.821.982.723.343.608.337.032.953.333.240.220.130.573.412.321.70
Dividends & Payouts
FCF Payout Ratio 0.060.190.050.050.430.030.030.980.030.03
Valuation
Enterprise Value 2.59B3.08B4.46B5.83B11.33B15.63B15.45B11.01B9.22B3.80B0.69B0.05B0.27B-2.01B-1.97B-0.64B
Market Capitalization 3.38B3.69B5.19B7.22B12.81B16.99B16.91B13.20B14.00B8.18B5.17B3.54B3.31B1.88B1.62B3.04B
Return Ratios
Return on Sales -0.02%0.00%0.10%0.12%0.11%0.09%0.08%0.07%0.00%0.00%-0.06%0.00%0.00%0.00%0.00%0.00%
Return on Capital Employed 0.15%0.22%0.17%0.18%0.14%0.11%0.08%0.09%0.08%0.09%0.01%0.00%
Return on Invested Capital 3.37%0.20%0.26%0.79%0.55%0.38%0.28%0.16%0.24%0.61%0.05%0.01%0.02%0.13%0.17%0.14%
Return on Assets -0.01%0.00%0.04%0.04%0.04%0.03%0.02%0.02%0.00%0.00%-0.01%0.00%0.00%0.00%0.00%0.00%
Return on Equity -0.08%-0.01%3.17%1.20%0.72%0.31%0.22%0.28%0.01%0.01%-0.12%0.00%0.00%0.00%-0.01%0.00%