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 (%)	32.36	31.44	27.53	22.05	21.17	15.66	20.58	20.98	5.41	4.28	- -	- -	166.59	31.33	41.86
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 (%)	13.55	8.93	6.78	5.34	5.23	4.21	5.21	5.79	2.44	2.22	7.63	2.84	9.95	4.3	8.25
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 (%)	32.36	31.44	27.53	22.05	21.17	14.75	17.49	18.2	4.07	3.03	- -	- -	157.1	26.51	38.48

Credit (USD)

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	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	12.6	12.95	15.48	12.54	13.84	13.7	13.58	16.5	19.49	21.44	-0.4	0.37	3.32	4.37	6.51
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 (%)	65.26	55.13	63.57	66.79	68.3	62.94	70.4	57.21	58.44	64.22	101.15	98.86	87.63	85.04	74.86
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 (%)	65.86	81.8	78.29	77.19	77.91	78.22	78.13	72.74	58.62	64.22	101.15	98.86	87.63	85.04	74.86
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 (%)	63.48	79.67	75.8	74.98	76.01	75.37	71.96	65.6	72.73	53.28	98.79	94.93	65.01	62.48	31.1
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)

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	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	0.37	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	1.95	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	12.6	12.95	15.48	12.54	13.84	13.7	13.58	16.5	19.49	21.44	-0.4	0.37	3.32	4.37	6.51
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 (%)	65.26	55.13	63.57	66.79	68.3	62.94	70.4	57.21	58.44	64.22	101.15	98.86	87.63	85.04	74.86
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 (%)	65.86	81.8	78.29	77.19	77.91	78.22	78.13	72.74	58.62	64.22	101.15	98.86	87.63	85.04	74.86
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	1.65	2.03	1.82	1.9	1.58	1.48	1.26	1.21	1.08	0.87	0.21	0.29	0.33	0.38

Working Capital (USD)

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	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)

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	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	4,199	5,774	10,319	12,869	13,656	10,680	11,262	6,572	4,475	2,825	3,309	1,879	1,640	3,029	3,465
- 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	6,167	11,866	16,741	21,428	24,155	21,378	21,959	16,132	7,355	8,480	7,667	6,026	3,319	4,865	4,083
Total Capital	3,315	8,540	9,443	12,179	14,761	16,053	19,055	18,391	12,480	13,509	7,493	8,227	6,208	6,685	5,868
Total Debt/Capital (%)	65.86	81.8	78.29	77.19	77.91	78.22	78.13	72.74	58.62	64.22	101.15	98.86	87.63	85.04	74.86
Total Debt / EV	0.35	0.59	0.44	0.44	0.48	0.59	0.68	0.83	0.99	1.02	0.99	1.35	1.64	1.17	1.08
EV/Sales	1.94	3.26	3.88	4.04	3.75	2.99	4.01	2.85	2.2	2.57	2.34	1.56	0.77	1.27	1.06
EV/EBITDA	9.24	13.96	16.58	18.62	16.23	15.85	14.08	9.48	6.94	14.66	6.57	53.33	28.62	54.05	51.03
EV/EBIT	12	17.38	21.1	25.57	24.25	25.54	20.67	13.28	9.08	21.5	7.34	- -	- -	- -	- -
EV/Cash Flow to Firm	5.59	9.56	14.99	15.03	12.87	9.45	8.06	5.61	5.58	4.33	4.97	3.26	1.67	2.62	1.95
EV/Free Cash Flow to Firm	5.59	9.56	14.99	15.03	12.87	9.45	8.06	5.61	5.58	4.33	4.97	3.26	1.67	2.62	1.95
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	121.63	237.32	340.27	379.94	390.23	364.81	394.23	293.84	147.1	177.42	154.26	120.77	66.65	98.08	87.24
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)

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	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	12	17.38	21.1	25.57	24.25	25.54	20.67	13.28	9.08	21.5	7.34	- -	- -	- -	- -
Enterprise Value	6,167	11,866	16,741	21,428	24,155	21,378	21,959	16,132	7,355	8,480	7,667	6,026	3,319	4,865	4,083
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	1.94	3.26	3.88	4.04	3.75	2.99	4.01	2.85	2.2	2.57	2.34	1.56	0.77	1.27	1.06
EV/EBITDA	9.24	13.96	16.58	18.62	16.23	15.85	14.08	9.48	6.94	14.66	6.57	53.33	28.62	54.05	51.03
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	3.71	3.71	5.03	5.06	4.41	3.06	2.7	1.31	0.87	0.58	-38.47	19.99	2.14	3.03	2.35
Price/Book Value Average	3.21	3.35	3.67	4.7	4.55	2.87	2.53	1.95	1.11	0.47	-45.29	25.39	2.15	2.27	1.86
Price/Book Value High	3.83	3.81	5.06	5.32	4.98	3.69	2.84	2.43	1.41	0.91	-59.08	40.13	2.89	3.31	2.51
Price/Book Value Low	2.49	2.58	2.8	4.08	3.86	2.36	2.23	1.25	0.77	0.16	-30.09	15.32	1.5	1.39	1.21
Price/Tangible Book Value	-2.53	-3.2	-7.7	-4.68	-4.81	-3.4	-3.99	5.67	9.32	3.48	2.36	1.28	0.76	1.31	1.33
Price/Tangible Book Value Average	-2.19	-2.88	-5.62	-4.34	-4.95	-3.19	-3.74	8.41	11.89	2.78	2.78	1.63	0.77	0.98	1.05
Price/Tangible Book Value High	-2.62	-3.28	-7.74	-4.92	-5.42	-4.1	-4.19	10.51	15.2	5.44	3.63	2.57	1.03	1.44	1.42
Price/Tangible Book Value Low	-1.7	-2.22	-4.29	-3.77	-4.21	-2.62	-3.29	5.38	8.24	0.96	1.85	0.98	0.54	0.6	0.68
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	1.77	3.1	3.23	3.87	3.82	2.9	3.88	3.41	2.73	2.47	2.58	1.71	0.82	1.11	0.92
EV/Sales High	1.99	3.3	3.89	4.16	4.02	3.31	4.11	3.84	3.21	3.12	2.94	2.07	0.95	1.38	1.17
EV/Sales Low	1.51	2.77	2.82	3.57	3.49	2.66	3.65	2.79	2.21	2.02	2.18	1.47	0.7	0.88	0.67
EV/EBITDA Average	8.4	13.29	13.82	17.81	16.51	15.36	13.63	11.34	8.64	14.07	7.22	58.66	30.19	47.47	44.24
EV/EBITDA High	9.45	14.13	16.64	19.18	17.4	17.49	14.44	12.78	10.14	17.78	8.24	70.92	35.06	59.05	56.07
EV/EBITDA Low	7.17	11.88	12.05	16.45	15.08	14.05	12.81	9.28	6.98	11.52	6.1	50.28	25.9	37.72	32.22
EV/EBIT Average	10.9	16.54	17.58	24.47	24.66	24.76	20.01	15.89	11.29	20.63	8.07	- -	- -	- -	- -
EV/EBIT High	12.27	17.59	21.17	26.35	26	28.19	21.2	17.9	13.25	26.08	9.21	- -	- -	- -	- -
EV/EBIT Low	9.31	14.79	15.34	22.59	22.53	22.64	18.81	13.01	9.13	16.89	6.82	- -	- -	- -	- -
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	5,604	11,296	13,952	20,500	24,570	20,727	21,257	19,311	9,150	8,137	8,428	6,629	3,502	4,272	3,539
Enterprise Value High	6,308	12,011	16,795	22,078	25,905	23,595	22,526	21,748	10,738	10,288	9,614	8,014	4,067	5,315	4,485
Enterprise Value Low	4,785	10,097	12,167	18,930	22,444	18,954	19,983	15,803	7,398	6,662	7,121	5,682	3,005	3,395	2,577

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	4.26	17.87	19.71	19.1	18.87	31.73	75.22	69.53	88.72	63.2	64.81	79.88	75.52	77.6	80.66
Book Value per Share	22.33	31.08	41.68	45.07	49.98	59.66	74.83	91.32	103.29	101.11	-1.73	1.88	15.42	20.16	31.52
Tangible Book Value per Share	-32.68	-36.11	-27.24	-48.75	-45.89	-53.68	-50.73	21.13	9.6	16.97	28.15	29.38	43.29	46.47	55.79

Bread Financial Holdings, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)