Bread Financial Holdings, Inc. cash flow to debt ratio of 47.62% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.

Bread Financial Holdings, Inc.'s free cash flow has increased 12.53% from $1.86B last year to $2.09B, signaling increasing performance

Bread Financial Holdings, Inc.'s debt to equity ratio is 0.98, which means that the company's assets are unhealthy financed, signaling financial risk.

Bread Financial Holdings, Inc.'s debt has decreased relative to shareholder equity from 1.86 last year to 0.98 today, signaling strengthened financials

Bread Financial Holdings, Inc. has a net debt to EBITDA ratio of 0.89x, which is below the 3.00x threshold, indicating healthy leverage and financial stability

Bread Financial Holdings, Inc. earns at least as much interest as it pays. Interest obligations are fully covered.

Bread Financial Holdings, Inc.'s profit margin has increased (106.95%) in the last year from 5.77% to 11.95%, signaling increasing performance

Bread Financial Holdings, Inc.'s short-term liabilities of $14.68B exceed its short-term assets of $3.95B, signaling financial risk

Bread Financial Holdings, Inc.'s return on assets of 2.53% is lower than the 5.00% threshold, indicating inefficient asset utilization

Bread Financial Holdings, Inc.'s return on equity of 17.04%, is higher than 15.00%, indicating good performance

Bread Financial Holdings, Inc.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Bread Financial Holdings, Inc. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Bread Financial Holdings, Inc. has positive free cash flow, indicating the company generates cash after capital expenditures

Bread Financial Holdings, Inc. has a free cash flow yield of 47.76%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Bread Financial Holdings, Inc.'s yearly earnings has increased 87.00% since last year from $277.00M to $518.00M, signaling increasing performance

Bread Financial Holdings, Inc.'s yearly revenue has decreased 2.06% since last year from $4.80B to $4.70B, signaling decreasing performance

ROIC 2.53% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

Bread Financial Holdings, Inc.'s 3-year revenue CAGR of 2.43% is positive, indicating growing revenue over the past 3 years

Bread Financial Holdings, Inc. had revenue growth in only 2 out of 5 years, indicating inconsistent revenue performance

Bread Financial Holdings, Inc. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Bread Financial Holdings, Inc. is undervalued relative to its fair value price of 619.57 based on Discounted Cash Flow model

Bread Financial Holdings, Inc. has an earnings yield of 13.13%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Bread Financial Holdings, Inc. is overvalued relative to its fair value price of 94.38 based on EBITDA multiple model

Bread Financial Holdings, Inc. has an EV/EBITDA ratio of 7.20x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Bread Financial Holdings, Inc. is undervalued relative to its fair value price of 235.51 based on Earnings Fair Value model

Bread Financial Holdings, Inc. has a PEG-ratio under 1 which is considered undervalued

Bread Financial Holdings, Inc. has a price-to-book ratio of 1.29x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Bread Financial Holdings, Inc. has a price-to-sales ratio of 0.91x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue