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Bread Financial Holdings Inc (NYSE:ADS)

56.8 USD +0.65 USD ( +1.16% )
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Bread Financial Holdings Inc
NYSE:ADS
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Profitability Summary

Bread Financial Holdings Inc's profitability score is 71/100. We take all the information about a company's profitability (such as its margins, capital efficiency, free cash flow generating ability, and more) and consolidate it into one single number - the profitability score. The higher the profitability score, the more profitable the company is.

71/100
Profitability
Score

We take all the information about a company's profitability (such as its margins, capital efficiency, free cash flow generating ability, and more) and consolidate it into one single number - the profitability score. The higher the profitability score, the more profitable the company is.

Past Growth

To be successful and remain in business, both growth and profitability are important and necessary. Net Income growth is often seen as a sign of a company's efficiency from an operational standpoint, but is influenced heavily by a company's goals and challenges and should therefore be assessed in conjunction with other metrics like revenue and operating income growth.

Revenue
Bread Financial Holdings Inc
6.9B
Growth Rates
1 Year
52%
3 Years
7%
5 Years
-1%
Operating Income
Bread Financial Holdings Inc
2.4B
Growth Rates
1 Year
173%
3 Years
10%
5 Years
14%
Net Income
Bread Financial Holdings Inc
1.6B
Growth Rates
1 Year
641%
3 Years
18%
5 Years
30%

Margins

Profit margins represent what percentage of sales has turned into profits. Simply put, the percentage figure indicates how many cents of profit the company has generated for each dollar of sale.

Profit margins help investors assess if a company's management is generating enough profit from its sales and whether operating costs and overhead costs are being contained.

Gross Margin
Bread Financial Holdings Inc
68%
Operating Margin
Bread Financial Holdings Inc
35%
Net Margin
Bread Financial Holdings Inc
23%

ADS Earnings Waterfall
Bread Financial Holdings Inc

Revenue
6.9B USD
Cost of Revenue
-2.2B USD
Gross Profit
4.7B USD
Operating Expenses
-2.3B USD
Operating Income
2.4B USD
Other Expenses
-818.8M USD
Net Income
1.6B USD

Margins Comparison
Bread Financial Holdings Inc Competitors

Country Company Market Cap Gross
Margin
Operating
Margin
Net
Margin
US
Bread Financial Holdings Inc
NYSE:ADS
2.8B USD
68%
35%
23%
US
Visa Inc
NYSE:V
413B USD
81%
67%
51%
US
Mastercard Inc
NYSE:MA
310B USD
0%
56%
48%
US
Automatic Data Processing Inc
NASDAQ:ADP
91.3B USD
43%
23%
18%
US
PayPal Holdings Inc
NASDAQ:PYPL
83.4B USD
45%
15%
14%
US
Fiserv Inc
NASDAQ:FISV
58.6B USD
51%
15%
10%
Country US
Market Cap 2.8B USD
Gross Margin
68%
Operating Margin
35%
Net Margin
23%
Country US
Market Cap 413B USD
Gross Margin
81%
Operating Margin
67%
Net Margin
51%
Country US
Market Cap 310B USD
Gross Margin
0%
Operating Margin
56%
Net Margin
48%
Country US
Market Cap 91.3B USD
Gross Margin
43%
Operating Margin
23%
Net Margin
18%
Country US
Market Cap 83.4B USD
Gross Margin
45%
Operating Margin
15%
Net Margin
14%
Country US
Market Cap 58.6B USD
Gross Margin
51%
Operating Margin
15%
Net Margin
10%

Return on Capital

Return on capital ratios give a sense of how well a company is using its capital (equity, assets, capital employed, etc.) to generate profits (operating income, net income, etc.). In simple words, these ratios show how much income is generated for each dollar of capital invested.

ROE
Bread Financial Holdings Inc
88%
ROA
Bread Financial Holdings Inc
7%
ROCE
Bread Financial Holdings Inc
14%
ROIC
Bread Financial Holdings Inc
10%

Return on Capital Comparison
Bread Financial Holdings Inc Competitors

Country Company Market Cap ROE ROA ROCE ROIC
US
Bread Financial Holdings Inc
NYSE:ADS
2.8B USD
88%
7%
14%
10%
US
Visa Inc
NYSE:V
413B USD
37%
17%
28%
21%
US
Mastercard Inc
NYSE:MA
310B USD
142%
26%
45%
35%
US
Automatic Data Processing Inc
NASDAQ:ADP
91.3B USD
58%
5%
39%
5%
US
PayPal Holdings Inc
NASDAQ:PYPL
83.4B USD
18%
5%
13%
15%
US
Fiserv Inc
NASDAQ:FISV
58.6B USD
5%
2%
4%
3%
Country US
Market Cap 2.8B USD
ROE
88%
ROA
7%
ROCE
14%
ROIC
10%
Country US
Market Cap 413B USD
ROE
37%
ROA
17%
ROCE
28%
ROIC
21%
Country US
Market Cap 310B USD
ROE
142%
ROA
26%
ROCE
45%
ROIC
35%
Country US
Market Cap 91.3B USD
ROE
58%
ROA
5%
ROCE
39%
ROIC
5%
Country US
Market Cap 83.4B USD
ROE
18%
ROA
5%
ROCE
13%
ROIC
15%
Country US
Market Cap 58.6B USD
ROE
5%
ROA
2%
ROCE
4%
ROIC
3%

Free Cash Flow

Free cash flow (FCF) is the money a company has left over after paying its operating expenses and capital expenditures. The more free cash flow a company has, the more it can allocate to dividends, paying down debt, and growth opportunities.

If a company has a decreasing free cash flow, that is not necessarily bad if the company is investing in its growth.

Operating Cash Flow
Bread Financial Holdings Inc
1.5B
Growth Rates
1 Year
-18%
3 Years
-18%
5 Years
-6%
Capital Expenditures
Bread Financial Holdings Inc
-84M
Growth Rates
1 Year
56%
3 Years
-25%
5 Years
-17%
Free Cash Flow
Bread Financial Holdings Inc
1.5B
Growth Rates
1 Year
-20%
3 Years
-17%
5 Years
-5%

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