Bread Financial Holdings, Inc. Financial Ratios — BFH Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	316.77	119.88	71.69	31.14	27.07	28.12	44.9	46	14.04	13.76	44.4	10.25	27.71	9.28	16.24
Return on Assets (%)	3.65	4.03	3.93	3.02	2.8	2.16	2.81	3.15	0.98	0.87	3.62	0.95	2.96	1.2	2.27
Return on Capital (%)	19.12	10.73	7.73	5.7	5.48	4.65	5.91	6.69	3.07	3.03	8.07	2.22	7.66	3.24	6.3
Return on Invested Capital (%)	14.67	8.49	6.27	5.08	5.01	3.7	4.96	5.81	5.03	2.8	7.77	- -	- -	- -	- -
Gross Margin (%)	33.49	34.14	33.91	34.39	35.64	34.08	46.57	45.66	2.72	22.04	51.28	100	100	100	100
EBITDA Margin (%)	21.03	23.34	23.37	21.71	23.11	18.9	28.5	30.04	31.64	17.54	35.69	2.92	2.7	2.34	2.08
Operating Margin (%)	16.2	18.75	18.37	15.8	15.47	11.73	19.41	21.44	24.2	11.96	31.93	- -	- -	- -	- -
Incremental Operating Margin (%)	53.21	36.06	16.31	4.52	13.93	-22.79	-13.56	79.47	17.45	831.6	-2,319.64	-174	- -	- -	- -
Pretax Margin (%)	16.2	18.75	18.37	15.8	14.47	11.73	19.41	21.44	19.77	9.13	31.93	7.75	22.54	9.93	15.99
Profit Margin (%)	9.94	11.6	11.49	9.55	9.26	7.23	14.41	17	8.3	6.49	24.5	5.76	16.72	7.22	13.47
Net Income to Common Margin (%)	9.94	11.6	11.49	9.55	9.26	7.23	14.41	17	8.22	6.49	24.5	5.76	16.72	7.22	13.47
Effective Tax Rate (%)	38.67	38.17	37.46	38.41	35.02	38.16	27.6	22.18	23.56	30.9	23.66	25.33	23.86	26.77	15.28
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	5.78	15.02	13.24	24.68	29.33	5.27	19.2	5.7	15.41	8.06
Sustainable Growth Rate (%)	316.77	119.88	71.69	31.14	27.07	26.5	38.15	39.91	10.57	9.73	42.06	8.28	26.13	7.85	14.93

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	2,183	6,986	7,392	9,401	11,500	12,557	14,887	13,377	7,316	8,676	7,579	8,133	5,440	5,685	4,393
ST Debt	20	2,277	1,389	1,267	1,419	2,454	1,471	2,856	23	- -	- -	- -	- -	- -	- -
LT Debt	2,164	4,708	6,003	8,134	10,081	10,103	13,416	10,521	7,293	8,676	7,579	8,133	5,440	5,685	4,393
Total Debt/EBITDA	3.27	8.22	7.32	8.17	7.73	9.31	9.54	7.86	6.91	15	6.49	71.97	46.9	63.17	54.91
Net Debt/EBITDA	2.95	7.17	6.36	7.23	6.94	7.93	6.86	5.62	5.91	9.87	3.76	36.42	14.67	20.87	8.8
Total Debt/EBIT	4.25	10.23	9.32	11.22	11.54	15	14.01	11.01	9.03	21.99	7.26	- -	- -	- -	- -
Net Debt/EBIT	3.83	8.92	8.09	9.93	10.37	12.78	10.07	7.87	7.72	14.47	4.21	- -	- -	- -	- -
EBITDA to Interest Expense	4.48	4.9	5.58	8.73	8.29	6.18	8.98	10.88	8.15	5.33	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	4.48	4.9	5.58	8.73	8.29	6.18	8.98	10.88	8.15	5.33	- -	- -	- -	- -	- -
EBIT to Interest Expense	3.46	3.94	4.38	6.35	5.55	3.84	6.12	7.77	6.23	3.64	- -	- -	- -	- -	- -
Interest Expense	149	173	181	132	180	218	174	156	130	108	- -	- -	- -	- -	- -
Common Equity/Total Assets	1.96	4.4	6.46	11.83	8.99	6.5	6.05	7.67	5.99	6.75	9.59	8.91	12.61	13.33	14.68
Long-Term Debt/Equity (%)	1,229.58	890.94	701.45	309.06	463	609.29	723.1	451.12	459.2	570.04	363.33	359.07	186.43	186.33	132.04
Long-Term Debt/Capital (%)	91.7	62.66	72.78	67.6	73.71	71.07	80.13	66.97	81.91	85.08	78.42	78.22	65.09	65.08	56.9
Long-Term Debt/Total Assets (%)	24.09	39.24	45.32	40.14	45.11	39.6	43.72	34.62	27.53	38.48	34.85	32.01	23.51	24.84	19.38
Total Debt/Equity (%)	1,240.85	1,321.85	863.82	357.19	528.16	757.25	802.4	573.61	460.62	570.04	363.33	359.07	186.43	186.33	132.04
Total Debt/Capital (%)	92.54	92.97	89.62	78.13	84.08	88.33	88.92	85.15	82.16	85.08	78.42	78.22	65.09	65.08	56.9
Total Debt/Total Assets (%)	24.31	58.21	55.81	46.39	51.45	49.22	48.52	44.02	27.61	38.48	34.85	32.01	23.51	24.84	19.38
Net Debt to Equity	1,117.98	1,152.81	750.49	316.27	474.52	645.13	576.56	409.92	394.1	375.03	210.59	181.72	58.33	61.55	21.16
Net Debt/Capital (%)	91.79	92.02	88.24	75.98	82.59	86.58	85.22	80.39	124.45	77.11	66.37	63.25	35.7	37.14	17.1
EBITDA	667	850	1,010	1,151	1,488	1,349	1,560	1,702	1,059	578	1,167	113	116	90	80
EBITDA-CapEx	667	850	1,010	1,151	1,488	1,349	1,560	1,702	1,059	578	1,167	113	116	90	80
Operating Income (Loss)	514	683	793	838	996	837	1,062	1,215	810	394	1,044	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	0.06	0.18	0.21	0.17	0.18	0.2	0.41	0.33	0.33	0.25	0.27	- -	- -	- -	- -
Current Ratio	1.71	1.81	2.3	2.19	2.54	2.12	2.43	2.15	2.03	1.72	1.69	- -	- -	- -	- -
Quick Ratio	1.48	1.64	2.09	1.98	2.33	1.98	2.22	1.83	1.91	0.26	0.29	- -	- -	- -	- -
CFO/Avg Current Liab	0.26	0.26	0.21	0.25	0.28	0.27	0.27	0.25	0.1	0.16	0.13	0.31	- -	- -	- -
Common Equity/Total Assets	1.96	4.4	6.46	11.83	8.99	6.5	6.05	7.67	5.99	6.75	9.59	8.91	12.61	13.33	14.68
Long-Term Debt/Equity (%)	1,229.58	890.94	701.45	309.06	463	609.29	723.1	451.12	459.2	570.04	363.33	359.07	186.43	186.33	132.04
Long-Term Debt/Capital (%)	91.7	62.66	72.78	67.6	73.71	71.07	80.13	66.97	81.91	85.08	78.42	78.22	65.09	65.08	56.9
Long-Term Debt/Total Assets (%)	24.09	39.24	45.32	40.14	45.11	39.6	43.72	34.62	27.53	38.48	34.85	32.01	23.51	24.84	19.38
Total Debt/Equity (%)	1,240.85	1,321.85	863.82	357.19	528.16	757.25	802.4	573.61	460.62	570.04	363.33	359.07	186.43	186.33	132.04
Total Debt/Capital (%)	92.54	92.97	89.62	78.13	84.08	88.33	88.92	85.15	82.16	85.08	78.42	78.22	65.09	65.08	56.9
Total Debt/Total Assets (%)	24.31	58.21	55.81	46.39	51.45	49.22	48.52	44.02	27.61	38.48	34.85	32.01	23.51	24.84	19.38
CFO/Total Liabilities	11.49	9.89	8.1	7.62	8.72	8.92	9.02	9.82	4.89	8.96	7.85	7.99	9.83	9.37	10.82
CFO/CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Altman's Z-Score	1.65	1.64	2.05	1.88	1.89	1.58	1.47	1.25	1.2	1.08	0.88	0.21	0.29	0.33	0.37

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	11.3	10.85	11.29	9.32	8.88	9.49	6.76	9.24	7.83	11.67	24.68	24.57	27.89	26.56	26.25
Days Sales Outstanding	32.31	33.63	32.32	39.17	41.09	38.45	53.99	39.49	46.61	31.27	14.79	14.85	13.09	13.74	13.91
Inventory Turnover	- -	- -	- -	- -	36.36	18.85	11.57	12.78	13.98	13.45	19.39	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	10.04	19.37	31.53	28.57	26.11	27.14	18.82	- -	- -	- -	- -
Accounts Payable Turnover	15.54	13.13	13.42	10.45	9.74	9.4	4.74	5.44	8.2	7.69	4.43	- -	- -	- -	- -
Accounts Payable Turnover Days	23.49	27.8	27.2	34.92	37.48	38.84	77.07	67.1	44.51	47.47	82.39	- -	- -	- -	- -
Cash Conversion Cycle	8.82	5.83	5.12	4.25	13.64	18.97	8.45	0.96	28.21	10.94	-48.78	- -	- -	- -	- -
Inventory to Cash Days	32.31	33.63	32.32	39.17	31.05	19.08	22.45	10.92	20.5	4.14	-4.03	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	228	271	234	248	218	164	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	228	271	234	248	218	164	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	4,127	5,728	10,812	14,560	13,430	10,462	11,201	6,393	4,260	2,938	3,322	1,879	1,624	2,998	3,265
- Cash & Cash Equivalents	216	893	970	1,077	1,168	1,859	4,190	3,817	3,874	2,796	3,046	3,891	3,590	3,679	3,604
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	236	167	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	2,183	6,986	7,392	9,401	11,500	12,557	14,887	13,377	7,316	8,676	7,579	8,133	5,440	5,685	4,393
Enterprise Value	6,095	11,820	17,234	23,120	23,930	21,159	21,898	15,952	7,702	8,593	7,680	6,121	3,474	5,004	4,054
Total Capital	2,359	7,514	8,248	12,033	13,678	14,215	16,742	15,709	8,904	10,198	9,665	10,398	8,358	8,736	7,720
Total Debt/Capital (%)	92.54	92.97	89.62	78.13	84.08	88.33	88.92	85.15	82.16	85.08	78.42	78.22	65.09	65.08	56.9
Total Debt / EV	0.36	0.59	0.43	0.41	0.48	0.59	0.68	0.84	0.95	1.01	0.99	1.33	1.57	1.14	1.08
EV/Sales	1.92	3.25	3.99	4.36	3.72	2.96	4	2.82	2.3	2.61	2.35	1.58	0.81	1.3	1.05
EV/EBITDA	9.13	13.91	17.07	20.09	16.08	15.68	14.04	9.37	7.27	14.85	6.58	54.17	29.95	55.6	50.67
EV/EBIT	11.86	17.31	21.72	27.59	24.02	25.28	20.61	13.13	9.5	21.78	7.36	- -	- -	- -	- -
EV/Cash Flow to Firm	5.53	9.52	15.43	16.22	12.75	9.35	8.04	5.55	5.85	4.39	4.98	3.31	1.75	2.69	1.94
EV/Free Cash Flow to Firm	5.53	9.52	15.43	16.22	12.75	9.35	8.04	5.55	5.85	4.39	4.98	3.31	1.75	2.69	1.94
Diluted Market Cap	4,788	7,402	14,031	14,238	13,744	10,735	11,302	6,596	4,556	2,831	3,328	1,883	1,647	3,077	3,524
Diluted Enterprise Value	6,755	13,494	20,453	22,797	24,244	21,433	21,999	16,156	7,997	8,711	7,862	6,125	3,497	5,083	4,313
EV per Share	122.31	238.29	334.32	362.31	393.08	368.63	395.27	298.73	161.8	172.89	153.9	122.67	70.47	101.92	91.92
TTM Sales	3,173	3,641	4,319	5,303	6,440	7,138	5,475	5,667	3,348	3,298	3,270	3,870	4,295	3,838	3,845
TTM EBITDA	667	850	1,010	1,151	1,488	1,349	1,560	1,702	1,059	578	1,167	113	116	90	80
TTM Operating Income	514	683	793	838	996	837	1,062	1,215	810	394	1,044	- -	- -	- -	- -
TTM Cash Flow to Firm	1,103	1,241	1,117	1,425	1,876	2,262	2,725	2,877	1,317	1,958	1,543	1,848	1,987	1,859	2,092
TTM Free Cash Flow to Firm	1,103	1,241	1,117	1,425	1,876	2,262	2,725	2,877	1,317	1,958	1,543	1,848	1,987	1,859	2,092

Multiples (USD)

Valuation Multiples API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	4.73	6.53	13.98	10.59	7.81	5.05	4.35	2.39	3.74	1.5	2.16	1.02	0.83	1.66	1.68
EV/EBIT	11.86	17.31	21.72	27.59	24.02	25.28	20.61	13.13	9.5	21.78	7.36	- -	- -	- -	- -
Enterprise Value	6,095	11,820	17,234	23,120	23,930	21,159	21,898	15,952	7,702	8,593	7,680	6,121	3,474	5,004	4,054
Low Price	55.57	80.1	116.77	183.88	192.96	140.89	166.71	113.73	79.13	16.36	52.07	28.85	23.19	28	38.21
EV/Sales	1.92	3.25	3.99	4.36	3.72	2.96	4	2.82	2.3	2.61	2.35	1.58	0.81	1.3	1.05
EV/EBITDA	9.13	13.91	17.07	20.09	16.08	15.68	14.04	9.37	7.27	14.85	6.58	54.17	29.95	55.6	50.67
Price/Earnings	13.32	13.67	20.8	25.42	22.89	20.71	14.28	6.82	16.26	13.2	4.13	8.43	2.28	10.93	6.69
Price/Earnings Average	11.54	12.32	15.18	23.58	23.59	19.44	13.39	10.13	20.74	10.55	4.86	10.7	2.3	8.18	5.31
Price/Earnings High	13.77	14.02	20.91	26.7	25.83	25.01	15	12.66	26.51	20.6	6.34	16.92	3.09	11.95	7.14
Price/Earnings Low	8.94	9.48	11.58	20.48	20.02	16.01	11.77	6.48	14.38	3.65	3.23	6.46	1.61	5.01	3.45
Price/Book Value	23.46	10.84	12.63	6.08	6.68	6.31	6.04	2.74	2.68	1.93	1.59	0.83	0.56	0.98	0.98
Price/Book Value Average	20.31	9.77	9.22	5.64	6.88	5.92	5.66	4.07	3.42	1.54	1.87	1.05	0.56	0.74	0.78
Price/Book Value High	24.24	11.11	12.7	6.38	7.54	7.62	6.34	5.08	4.37	3.01	2.45	1.67	0.75	1.07	1.05
Price/Book Value Low	15.74	7.52	7.03	4.9	5.84	4.88	4.98	2.6	2.37	0.53	1.25	0.64	0.39	0.45	0.51
Price/Tangible Book Value	-2.49	-3.17	-8.07	-4.88	-4.47	-3.33	-3.96	5.51	8.87	3.62	2.37	1.28	0.75	1.3	1.25
Price/Tangible Book Value Average	-2.16	-2.86	-5.89	-4.53	-4.6	-3.12	-3.72	8.18	11.32	2.89	2.79	1.63	0.76	0.97	0.99
Price/Tangible Book Value High	-2.57	-3.25	-8.11	-5.12	-5.04	-4.02	-4.16	10.22	14.47	5.65	3.65	2.57	1.02	1.42	1.33
Price/Tangible Book Value Low	-1.67	-2.2	-4.49	-3.93	-3.91	-2.57	-3.27	5.24	7.85	1	1.86	0.98	0.53	0.6	0.65
Price/Sales	1.32	1.59	2.39	2.43	2.12	1.5	2.06	1.16	1.34	0.86	1.01	0.49	0.38	0.79	0.9
Price/Sales Average	1.15	1.43	1.74	2.25	2.18	1.41	1.93	1.72	1.71	0.68	1.19	0.62	0.38	0.59	0.72
Price/Sales High	1.37	1.63	2.4	2.55	2.39	1.81	2.16	2.15	2.18	1.34	1.55	0.97	0.52	0.86	0.96
Price/Sales Low	0.89	1.1	1.33	1.96	1.85	1.16	1.7	1.1	1.18	0.24	0.79	0.37	0.27	0.36	0.47
Price/Cash Flow	4.15	5.09	10.28	9.57	7.76	5.02	4.33	2.39	3.67	1.5	2.14	1.02	0.83	1.63	1.66
Price/Cash Flow Average	3.6	4.59	7.5	8.88	8	4.71	4.06	3.54	4.69	1.2	2.52	1.29	0.83	1.22	1.31
Price/Cash Flow High	4.29	5.22	10.34	10.06	8.75	6.06	4.55	4.42	5.99	2.34	3.29	2.04	1.12	1.78	1.77
Price/Cash Flow Low	2.79	3.53	5.73	7.72	6.79	3.88	3.57	2.27	3.25	0.42	1.68	0.78	0.58	0.75	0.85
Price/Free Cash Flow Average	4.1	5.88	10.2	9.83	8.05	4.74	4.08	3.55	4.77	1.2	2.54	1.29	0.83	1.24	1.34
Price/Free Cash Flow High	4.89	6.69	14.06	11.13	8.81	6.09	4.57	4.44	6.1	2.35	3.31	2.05	1.12	1.81	1.8
Price/Free Cash Flow Low	3.18	4.53	7.78	8.54	6.83	3.9	3.59	2.27	3.31	0.42	1.69	0.78	0.58	0.76	0.87
EV/Sales Average	1.75	3.09	3.31	4.16	3.78	2.87	3.87	3.36	2.65	2.49	2.58	1.71	0.81	1.11	0.88
EV/Sales High	1.96	3.29	4	4.5	3.98	3.27	4.1	3.78	3.1	3.17	2.95	2.07	0.94	1.38	1.11
EV/Sales Low	1.49	2.76	2.88	3.83	3.45	2.63	3.64	2.76	2.15	2.03	2.18	1.47	0.7	0.88	0.64
EV/EBITDA Average	8.31	13.24	14.18	19.17	16.35	15.21	13.59	11.19	8.38	14.22	7.23	58.66	30.05	47.21	42.25
EV/EBITDA High	9.34	14.08	17.13	20.72	17.23	17.29	14.4	12.58	9.81	18.09	8.26	70.92	34.87	58.68	53.4
EV/EBITDA Low	7.1	11.85	12.32	17.63	14.95	13.92	12.78	9.18	6.8	11.57	6.11	50.28	25.8	37.56	30.93
EV/EBIT Average	10.78	16.48	18.04	26.34	24.43	24.52	19.95	15.67	10.95	20.85	8.09	- -	- -	- -	- -
EV/EBIT High	12.12	17.52	21.79	28.47	25.75	27.87	21.14	17.63	12.82	26.52	9.23	- -	- -	- -	- -
EV/EBIT Low	9.21	14.74	15.68	24.22	22.33	22.44	18.76	12.87	8.9	16.97	6.83	- -	- -	- -	- -
Last Price	82.83	115.47	209.73	228.17	220.61	182.26	202.19	119.71	89.5	59.11	66.57	37.66	32.94	61.06	74.03
High Price	85.61	118.38	210.83	239.68	248.87	220.1	212.37	222.01	145.93	92.22	102.23	75.6	44.52	66.71	78.98
Enterprise Value Average	5,542	11,255	14,312	22,069	24,337	20,522	21,200	19,045	8,876	8,227	8,443	6,629	3,486	4,249	3,380
Enterprise Value High	6,233	11,964	17,291	23,854	25,650	23,331	22,462	21,415	10,388	10,463	9,634	8,014	4,045	5,281	4,272
Enterprise Value Low	4,736	10,066	12,442	20,293	22,246	18,785	19,933	15,633	7,208	6,693	7,131	5,682	2,993	3,381	2,474

Shares Outstanding	50	50	52	64	61	57	55	53	48	50	50	50	49	49	44
Diluted Weighted Avg Shares	58	64	67	62	62	59	56	55	51	48	50	50	50	50	48
Basic Weighted Avg Shares	51	50	49	56	62	59	56	55	50	48	50	50	50	50	47
Revenue per Share	62.59	72.83	87.79	94.02	104.03	121.81	98.29	103.22	66.96	69	65.79	77.56	86.24	77.38	82.16
EBITDA per Share	13.16	17	20.52	20.41	24.05	23.02	28.01	31.01	21.19	12.1	23.48	2.26	2.33	1.81	1.71
Operating Income per Share	10.14	13.66	16.13	14.86	16.09	14.28	19.08	22.13	16.21	8.25	21.01	- -	- -	- -	- -
Basic EPS, GAAP	6.22	8.45	10.08	8.98	9.64	8.8	14.16	17.54	5.5	4.48	16.12	4.47	14.42	5.58	11.07
Basic EPS from Cont Ops	6.22	8.45	10.08	9.15	9.78	8.83	13.81	17.22	10.12	4.35	16.04	4.49	14.8	5.62	11.13
Diluted EPS, GAAP	5.45	6.59	7.42	8.11	9.57	8.76	14.11	17.48	5.41	4.47	16.02	4.46	14.36	5.5	10.88
Diluted EPS from Cont Ops	5.45	6.59	7.42	8.27	9.72	8.79	13.76	17.16	9.94	4.34	15.94	4.48	14.74	5.54	10.95
Dividend per Share	- -	- -	- -	- -	- -	0.51	2.07	2.28	2.54	1.28	0.85	0.86	0.84	0.87	0.9
Cash Flow per Share	19.95	22.68	20.4	23.83	28.43	36.3	46.66	50.18	24.36	39.39	31.05	37.03	39.9	37.48	44.7
Free Cash Flow per Basic Share	19.95	22.68	20.4	23.83	28.43	36.3	46.66	50.18	24.36	39.39	31.05	37.03	39.9	37.48	44.7
Cash & Equivalents per Share	4.34	18.01	18.81	16.88	19.19	32.39	75.63	71.49	81.39	60.78	64.55	77.98	72.82	74.93	81.72
Book Value per Share	3.53	10.65	16.6	37.55	33.02	28.89	33.49	43.67	33.37	30.62	41.8	45.39	59.19	62.14	75.44
Tangible Book Value per Share	-33.25	-36.4	-26	-46.78	-49.41	-54.8	-51	21.72	10.09	16.32	28.04	29.38	43.73	46.95	59.21

Bread Financial Holdings, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)