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Bread Financial Holdings BFH Free cash flow margin

Discontinued — last reported Q4 '22

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Other financials

Income statement

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Revenue$993.0M+6.9%
Gross profit$361.8M
Operating income$382.8M
Net income$146.0M+5.0%
EPS (diluted)$3.55+20.7%

Balance sheet

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Cash & equivalents$3.8B-1.5%
Total debt$85.0M-98.5%
Total equity$3.4B+6.3%
Total assets$22.5B+2.9%

Cash flow

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Operating cash flow$533.0M+1.3%
CapEx$15.0M-40.5%
Free cash flow$482.0M+55.6%

Valuation

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Market cap$4.44B+62.3%
P/E7.8×-1.8×
P/S1.1×+0.4×

Profitability

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Gross margin46.7%
Operating margin45.9%
Net margin14.4%+6.9pp

Returns & leverage

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Return on equity17.4%+8.4pp
Debt / equity-1.8×
Current ratio1.5×

Where this comes from

Calculated from Bread Financial Holdings’s reported figures.

Based on trailing twelve months.

The source filing: Bread Financial Holdings’s 10-Q, filed October 31, 2024. Open the filing →

Filed
Oct 31, 2024
Fiscal quarter
Q3 FY2024
Calendar quarter
Q3 2024
Accession
0001101215-24-000224

FAQ

What is Bread Financial Holdings's free cash flow margin?
Bread Financial Holdings (BFH) reported free cash flow margin of 46.5% in Q4 2022.
How has Bread Financial Holdings's free cash flow margin changed year-over-year?
Bread Financial Holdings's free cash flow margin increased by 4.4% year-over-year, from 44.6% to 46.5%.
What is the long-term trend for Bread Financial Holdings's free cash flow margin?
Over 2 years (2020 to 2022), Bread Financial Holdings's free cash flow margin has grown at a 7.3% compound annual growth rate (CAGR), from 40.4% to 46.5%.
What does free cash flow margin mean?
Free cash flow (operating cash flow minus capital expenditures) as a percentage of revenue, trailing twelve months. Measures how efficiently revenue converts into discretionary cash.

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