Bread Financial Holdings, Inc. Financial Ratios — BFH/PB

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 (%)	23.19	12.11	8.69	6.66	6.35	5.59	7.08	8.41	8.11	6.31	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	- -	- -	- -	- -
EBITDA Margin (%)	30.44	31.34	30.45	26.62	27.24	24.9	36.81	39.61	46.49	32.52	35.69	- -	- -	- -	- -
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	- -	- -	79.47	17.45	831.6	- -	- -	- -	- -	- -
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	2,857	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	2.26	6.12	5.62	6.66	6.56	7.06	7.39	5.96	4.7	8.09	6.49	- -	- -	- -	- -
Net Debt/EBITDA	2.04	5.34	4.88	5.9	5.89	6.02	5.31	4.26	4.02	5.32	3.76	- -	- -	- -	- -
Total Debt/EBIT	2.69	7.17	6.73	8.56	9.11	9.92	9.81	7.61	5.6	9.77	7.26	- -	- -	- -	- -
Net Debt/EBIT	2.42	6.25	5.84	7.58	8.19	8.45	7.05	5.44	4.79	6.43	4.21	- -	- -	- -	- -
EBITDA to Interest Expense	6.49	6.58	7.26	10.7	9.77	8.15	11.6	14.35	11.97	9.88	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	6.49	6.58	7.26	10.7	9.77	8.15	11.6	14.35	11.97	9.88	- -	- -	- -	- -	- -
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	109	- -	- -	- -	- -	- -
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	966	1,141	1,315	1,412	1,754	1,778	2,016	2,245	1,556	1,072	1,167	- -	- -	- -	- -
EBITDA-CapEx	966	1,141	1,315	1,412	1,754	1,778	2,016	2,245	1,556	1,072	1,167	- -	- -	- -	- -
Operating Income (Loss)	514	683	793	838	996	837	1,063	1,215	810	395	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	0.37	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	- -	- -	- -	- -
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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

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	- -	- -	- -	- -	- -	18.85	11.57	12.78	13.98	13.45	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	19.37	31.53	28.57	26.11	27.14	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	9.4	4.74	5.44	8.2	7.69	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	38.84	77.07	67.1	44.51	47.47	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	18.97	8.45	0.96	28.21	10.94	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	19.08	22.45	10.92	20.5	4.14	- -	- -	- -	- -	- -
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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- 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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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	966	1,141	1,315	1,412	1,754	1,778	2,016	2,245	1,556	1,072	1,167	- -	- -	- -	- -
TTM Operating Income	514	683	793	838	996	837	1,063	1,215	810	395	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

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Per Share Data Items (USD)

Per-Share Data API ChatGPT

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