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Bread Financial Holdings Inc
NYSE:ADS

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Bread Financial Holdings Inc Logo
Bread Financial Holdings Inc
NYSE:ADS
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Price: 56.8 USD +1.16% Market Closed
Updated: Dec 7, 2022

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
1 Year
52%
3 Years
7%
5 Years
-1%
Operating Income
Bread Financial Holdings Inc
2.4B
1 Year
173%
3 Years
10%
5 Years
14%
Net Income
Bread Financial Holdings Inc
1.6B
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%

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
431B USD
81%
67%
51%
US
Mastercard Inc
NYSE:MA
332B USD
0%
58%
45%
US
Automatic Data Processing Inc
NASDAQ:ADP
107B USD
43%
23%
18%
US
PayPal Holdings Inc
NASDAQ:PYPL
82.8B USD
43%
14%
9%
US
Fiserv Inc
NASDAQ:FISV
63.8B USD
53%
18%
12%
Country US
Market Cap 2.8B USD
Gross Margin
68%
Operating Margin
35%
Net Margin
23%
Country US
Market Cap 431B USD
Gross Margin
81%
Operating Margin
67%
Net Margin
51%
Country US
Market Cap 332B USD
Gross Margin
0%
Operating Margin
58%
Net Margin
45%
Country US
Market Cap 107B USD
Gross Margin
43%
Operating Margin
23%
Net Margin
18%
Country US
Market Cap 82.8B USD
Gross Margin
43%
Operating Margin
14%
Net Margin
9%
Country US
Market Cap 63.8B USD
Gross Margin
53%
Operating Margin
18%
Net Margin
12%

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
431B USD
41%
18%
30%
25%
US
Mastercard Inc
NYSE:MA
332B USD
150%
27%
52%
37%
US
Automatic Data Processing Inc
NASDAQ:ADP
107B USD
76%
6%
45%
6%
US
PayPal Holdings Inc
NASDAQ:PYPL
82.8B USD
11%
3%
12%
12%
US
Fiserv Inc
NASDAQ:FISV
63.8B USD
7%
3%
5%
3%
Country US
Market Cap 2.8B USD
ROE
88%
ROA
7%
ROCE
14%
ROIC
10%
Country US
Market Cap 431B USD
ROE
41%
ROA
18%
ROCE
30%
ROIC
25%
Country US
Market Cap 332B USD
ROE
150%
ROA
27%
ROCE
52%
ROIC
37%
Country US
Market Cap 107B USD
ROE
76%
ROA
6%
ROCE
45%
ROIC
6%
Country US
Market Cap 82.8B USD
ROE
11%
ROA
3%
ROCE
12%
ROIC
12%
Country US
Market Cap 63.8B USD
ROE
7%
ROA
3%
ROCE
5%
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
1 Year
-18%
3 Years
-18%
5 Years
-6%
Capital Expenditures
Bread Financial Holdings Inc
-84M
1 Year
56%
3 Years
-25%
5 Years
-17%
Free Cash Flow
Bread Financial Holdings Inc
1.5B
1 Year
-20%
3 Years
-17%
5 Years
-5%

See Also

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