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.
83.99%
2.05
41.35%
S&P 500
22.99%
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
6
Industry P/E
Price to Book Value
0.93
EV to EBIT
7.10
EV to EBITDA
6.17
EV to Capital Employed
0.95
EV to Sales
0.77
PEG Ratio
0.06
Dividend Yield
1.39%
ROCE (Latest)
13.33%
ROE (Latest)
15.69%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend21What is working for the Company
OPERATING CASH FLOW(Y)
Highest at USD 2,186 MM
NET PROFIT(HY)
At USD 234 MM has Grown at 57.05%
ROCE(HY)
Highest at 2.51%
NII(Q)
Highest at USD 1,067 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
NET SALES(Q)
Highest at USD 1,260 MM
OPERATING PROFIT(Q)
Highest at USD 243 MM
OPERATING PROFIT MARGIN(Q)
Highest at 19.29 %
PRE-TAX PROFIT(Q)
Highest at USD 243 MM
EPS(Q)
Highest at USD 4.14
-3What is not working for the Company
ROCE(HY)
Lowest at 2.51%
CREDIT DEPOSIT RATIO(HY)
Lowest at 128.86%
Here's what is working for Bread Financial Holdings, Inc.
NII
Highest at USD 1,067 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Net Profit
At USD 234 MM has Grown at 57.05%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
Operating Cash Flow
Highest at USD 2,186 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 1,260 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (USD MM)
Operating Profit
Highest at USD 243 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 19.29 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 243 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Pre-Tax Profit
At USD 243 MM has Grown at 58.31%
over average net sales of the previous four periods of USD 153.5 MMMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
EPS
Highest at USD 4.14
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
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.
Credit Deposit Ratio
Lowest at 128.86%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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