Comparison - BFH - NYSE - Weiss Ratings

Weiss Ratings	BFH - NYSE	Click to Compare	Click to Compare	Click to Compare
Rating	C
Reward Index	Fair
Risk Index	Weak
Risk Grade	D+
Reward Grade	C+

Rating Factors	BFH - NYSE	Click to Compare	Click to Compare	Click to Compare
Dividend Index	Fair
Growth Index	Fair
Efficiency Index	Good
Solvency Index	Excellent
Total Return Index	Fair
Volatility Index	Weak

Beta / Standard Deviation	BFH - NYSE	Click to Compare	Click to Compare	Click to Compare
Beta	1.93

Price History	BFH - NYSE	Click to Compare	Click to Compare	Click to Compare
7-Day Total Return	-9.68%
30-Day Total Return	-24.67%
60-Day Total Return	-22.70%
90-Day Total Return	-2.08%
Year to Date Total Return	-19.22%
1-Year Total Return	32.20%
2-Year Total Return	35.46%
3-Year Total Return	-5.84%
5-Year Total Return	5.80%
52-Week High % Change	-26.04%
52-Week Low % Change	53.71%

Price	BFH - NYSE	Click to Compare	Click to Compare	Click to Compare
52-Week High Price	$66.71
52-Week Low Price	$32.10
52-Week Low Price (Date)	Apr 17, 2024
52-Week High Price (Date)	Dec 12, 2024

Valuation	BFH - NYSE	Click to Compare	Click to Compare	Click to Compare
Market Cap	2.42B
Enterprise Value	--
Price/Earnings (TTM)	8.91
Earnings Per Share (TTM)	5.54
Earnings Per Share Growth	-61.33%
Price/Earnings To Growth	--
Price/Sales (TTM)	1.03
Price/Book (Q)	0.79
Enterprise Value/Revenue (TTM)	--
Price	$48.68
Enterprise Value/EBITDA (TTM)	--
Enterprise Value/EBIT	--
Market Cap Category	Mid Cap

Dividends and Shares	BFH - NYSE	Click to Compare	Click to Compare	Click to Compare
Shares Outstanding	50.90M
Dividend Yield	1.70%
Div. Per Share (Most Recent)	$0.21
Dividend Per Share (TTM)	$0.84
Payout Ratio (TTM)	15.58%
Dividend Per Share (Most Recent)	$0.21

Company Info	BFH - NYSE	Click to Compare	Click to Compare	Click to Compare
Phone Number	(614) 729-4000
Address	3095 Loyalty Circle Columbus, OH 43219
Website	www.breadfinancial.com
Country	United States
Year Founded	1995

Profitability	BFH - NYSE	Click to Compare	Click to Compare	Click to Compare
Operating Margin (TTM)	19.99%
Profit Margin	11.30%

Management Effectiveness	BFH - NYSE	Click to Compare	Click to Compare	Click to Compare
Return on Assets	--
Return on Equity	9.31%

Income Statement	BFH - NYSE	Click to Compare	Click to Compare	Click to Compare
Revenue (TTM)	-225.00M
Total Revenue (TTM)	2.44B
Revenue Per Share	$47.96
Gross Profit (TTM)	2.44B
EBITDA (TTM)	--
EBIT (TTM)	--
Net Income (TTM)	276.00M
Net Income Avl. to Common (TTM)	276.00M
Total Revenue Growth (Q YOY)	-4.87%
Earnings Growth (Q YOY)	-84.09%
EPS Diluted (TTM)	5.54
EPS Diluted Growth (Q YOY)	-83.82%

Balance Sheet	BFH - NYSE	Click to Compare	Click to Compare	Click to Compare
Cash and Short-Term Inv. (Q)	3.68B
Cash Per Share (Q)	$72.28
Total Current Assets (Q)	4.24B
Total Preferred Equity (Q)	--
Total Equity (Q)	3.05B
Current Ratio (Q)	0.250
Book Value Per Share (Q)	$62.14
Total Assets (Q)	22.89B
Total Current Liabilities (Q)	16.94B
Total Debt (Q)	5.69B
Total Liabilities (Q)	19.84B
Total Common Equity (Q)	3.05B

Cash Flow	BFH - NYSE	Click to Compare	Click to Compare	Click to Compare
Cash from Investing (TTM)	-1.17B
Cash from Financing (TTM)	-592.00M
Net Change in Cash (TTM)	98.00M
Levered Free Cash Flow (TTM)	--
Cash from Operations (TTM)	1.86B