ScoreComparison
Company
Score
Quality
Valuation
Financial
Technical
Why is Bread Financial Holdings, Inc. ?
1
High Profitability with a Net Interest Margin of -5.48%
2
Strong Long Term Fundamental Strength with an average Return on Assets (ROA) of 1.51%
3
Strong Long Term Fundamental Strength with an average Return on Assets (ROA) of 1.51%
4
The company has declared positive results in Mar'2025 after 2 consecutive negative quarters
- PRE-TAX PROFIT(Q) At USD 174 MM has Grown at 78.46%
- NET PROFIT(Q) At USD 139 MM has Grown at 95.09%
- CASH AND EQV(HY) Highest at USD 8,054 MM
5
With ROA of 1.08%, it has a fair valuation with a 0.78 Price to Book Value
- Over the past year, while the stock has generated a return of 12.07%, its profits have fallen by -31.5%
Real-Time Research ReportHow much should you buy?
- Overall Portfolio exposure to Bread Financial Holdings, Inc. should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Bread Financial Holdings, Inc. for you?
High Risk, High Return
Absolute
Risk Adjusted
Volatility
Bread Financial Holdings, Inc.
56.07%
2.05
41.35%
S&P 500
17.78%
0.70
20.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
447.38%
EBIT Growth (5y)
-16.34%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
7.90%
Pledged Shares
0
Institutional Holding
100.00%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
0.88
EV to EBIT
10.72
EV to EBITDA
8.34
EV to Capital Employed
0.90
EV to Sales
0.65
PEG Ratio
NA
Dividend Yield
75.79%
ROCE (Latest)
8.36%
ROE (Latest)
9.19%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
No Trend
Mildly Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend16What is working for the Company
NET PROFIT(HY)
At USD 241 MM has Grown at 2,310%
OPERATING CASH FLOW(Y)
Highest at USD 2,092 MM
NII(Q)
Highest at USD 1,047 MM
CASH AND EQV(HY)
Highest at USD 4,189 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET SALES(Q)
Highest at USD 1,246 MM
-6What is not working for the Company
PRE-TAX PROFIT(Q)
At USD 47 MM has Fallen at -65.19%
NET PROFIT(Q)
At USD 53 MM has Fallen at -55.46%
Here's what is working for Bread Financial Holdings, Inc.
NII
Highest at USD 1,047 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Operating Cash Flow
Highest at USD 2,092 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (USD MM)
Net Sales
Highest at USD 1,246 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Cash and Eqv
Highest at USD 4,189 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Here's what is not working for Bread Financial Holdings, Inc.
Pre-Tax Profit
At USD 47 MM has Fallen at -65.19%
over average net sales of the previous four periods of USD 135 MMMOJO Watch
Near term Pre-Tax Profit trend is very negative
Pre-Tax Profit (USD MM)
Net Profit
At USD 53 MM has Fallen at -55.46%
over average net sales of the previous four periods of USD 119 MMMOJO Watch
Near term Net Profit trend is very negative
Net Profit (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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