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.
10.57%
2.05
41.35%
S&P 500
13.34%
0.70
20.15%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
447.53%
EBIT Growth (5y)
-37.32%
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
15.28%
Pledged Shares
0
Institutional Holding
100.00%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
8
Industry P/E
Price to Book Value
0.78
EV to EBIT
10.88
EV to EBITDA
8.42
EV to Capital Employed
0.83
EV to Sales
0.66
PEG Ratio
NA
Dividend Yield
131.54%
ROCE (Latest)
7.64%
ROE (Latest)
9.29%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
No Trend
Mildly Bullish
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
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
EPS(Q)
Highest at USD 2.94
-4What is not working for the Company
NII(Q)
Lowest at USD 974 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 132.35%
NET SALES(Q)
Lowest at USD 1,194 MM
Here's what is working for Bread Financial Holdings, Inc.
Pre-Tax Profit
At USD 174 MM has Grown at 78.46%
over average net sales of the previous four periods of USD 97.5 MMMOJO Watch
Near term Pre-Tax Profit trend is very positive
Pre-Tax Profit (USD MM)
Net Profit
At USD 139 MM has Grown at 95.09%
over average net sales of the previous four periods of USD 71.25 MMMOJO Watch
Near term Net Profit trend is very positive
Net Profit (USD MM)
EPS
Highest at USD 2.94
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Cash and Eqv
Highest at USD 8,054 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for Bread Financial Holdings, Inc.
NII
Lowest at USD 974 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (USD MM)
Net Sales
Lowest at USD 1,194 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (USD MM)
Credit Deposit Ratio
Lowest at 132.35%
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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