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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%

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
FCF margin46.5%+1.9pp

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.

The source filing: Bread Financial Holdings’s 10-K, filed February 28, 2023. Open the filing →

Filed
Feb 28, 2023
Fiscal year
FY2022
Accession
0001101215-23-000049

FAQ

What is Bread Financial Holdings's free cash flow?
Bread Financial Holdings (BFH) reported free cash flow of $482M in Q4 2022.
How has Bread Financial Holdings's free cash flow changed year-over-year?
Bread Financial Holdings's free cash flow increased by 55.6% year-over-year, from $309.8M to $482M.
What does free cash flow mean?
Free cash flow represents the cash generated by a company after accounting for cash outflows to support operations and maintain or expand its capital asset base. It serves as a critical indicator of a company's ability to fund organic growth, pay down debt, or return capital to shareholders without relying on external financing.

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