Fundamental Analysis of Bread Financial HLDG Inc - Growth / Value Index
BFH - Valuation Highlights
Valuation Analysis
Tsr Value Index - Excellent Score of 84.38
Undervalued - Price to Intrinsic Value of 0.153
Price to Earning Ratio is 5.22 and EV to EBITDA is 2.63 suggesting company is undervalued.
Price to Book Ratio is 0.211 indicating that it is undervalued.
Book Value in last 3 years is trending up
Valuation Key Ratios
| Ratio | TTM | Latest FY | Yoy Change | MRQ |
|---|---|---|---|---|
| Price to Earning | 5.23 | 3.79 | -59.36 % | |
| Price to Book | 0.211 | 0.702 | -23.47 % | 0.681 |
| Price to Sales | 0.436 | 0.502 | 13.17 % | |
| Enterprise Value to EBITDA Multiple | 2.63 | 2.69 | -87.72 % |
BFH - Profitability Highlights
Profitability Analysis
Piotroski F Score - Good Value of 7.0
Earning Yield of 19.14 %
EBITDA is continuously increasing for last 3 Years
Good Return on Equity of 13.88% is achieved by the company
In the last three years, the company has given poor Returns on Assets
Profitability Key Ratios
| Ratio | TTM | Latest FY | Yoy Change | MRQ |
|---|---|---|---|---|
| Return On Equity | 13.88 | 18.54 | 88.31 % | 4.42 |
| Return On Asset | 1.79 | 2.34 | 166.36 % | 0.601 |
| Net Profit Margin | 8.33 | 13.26 | 178.45 % | 10.82 |
| Operating Profit Margin | 1.45 | 18.06 | 277.63 % | 15.17 |
| EBITDA Margin | 32.35 | 36.80 | 88.41 % | 36.97 |
Highlights
| Market Cap | 2060.73 M |
| Enterprise Value | 4046.73 M |
| Price/Book TTM | 0.211 |
| Outstanding Share | 49584.40 K |
| Float/ Outstanding Share | 99.35% |
| Dividend Yield | 2.07 % |
Share Holding
Guru Numbers
| Price/Graham No | 0.404 |
| Peter Lynch Ratio | 27.92 |
| Piotroski F Score | 7.00 |
| Altman Z Score | 0.482 |
| Sloan Ratio | -0.057 |
| Peter Lynch Fair Value | 0 |
BFH - Growth Highlights
Growth Analysis
YoY Net Margin Jump by 178.45%
Tsr Growth Index - Poor Score of 26.72
Growth Key Fields
| Field | TTM | YoY Growth | QoQ Growth |
|---|---|---|---|
| Revenue | 4754.00 M | 12.87 % | 21.83 % |
| Gross Profit | 3915.00 M | 8.19 % | 10.31 % |
| EBITDA | 1538.00 M | 64.15 % | 50.16 % |
| Net Profit | 396000 K | 142.60 % | 211.63 % |
| EPS | 7.94 | 146.05 % | NA |
BFH - Stability Highlights
Stability Analysis
Paid More Than 50% of Debt, Heading towards debt free
Debt to equity ratio has decreased and is lowest in last five years
Cash ratio of 8.51
Tsr Stability Index - Poor Score of 23.44
Altman Z Score of 0.481 suggest high risk
Company has high debt burden
Stability Key Ratios
| Ratio | Latest FY | Yoy Change | MRQ |
|---|---|---|---|
| Debt to Equity Ratio | 1.91 | -80.18 % | 1.53 |
| Cash Ratio | 8.51 | -17.66 % | |
| Quick Ratio | 10.82 | -9.00 % | 1.34 |
| Shareholders Equity | 12.61 | 41.45 % | |
| Debt to EBITDA | 3.71 | -84.44 % |
Historical Valuation Ratios of Bread Financial HLDG Inc
Historical Valuation Ratios
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Historical Profitability Ratios of Bread Financial HLDG Inc
Historical Profitability Ratios
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Historical Efficiency Ratios of Bread Financial HLDG Inc
Historical Efficiency Ratios
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Historical Solvency Ratios of Bread Financial HLDG Inc
Historical Solvency Ratios
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Note : All Data Generated at the End of Trading Hours (EOD Data)