BFH Financial Statements

Balance sheet, income statement, cash flow, and dividends for Bread Financial Holdings Inc (BFH).


$3.04B Market Cap.

As of 02/14/2025 5:00 PM ET (MRY) • Disclaimer

BFH Market Cap. (MRY)


BFH Shares Outstanding (MRY)


BFH Assets (MRY)


Total Assets

$22.89B

Total Liabilities

$19.84B

Total Investments

$16.92B

BFH Income (MRY)


Revenue

$2.44B

Net Income

$277.00M

Operating Expense

$2.06B

BFH Cash Flow (MRY)


CF Operations

$1.86B

CF Investing

-$1.17B

CF Financing

-$592.00M

BFH Dividends (MRY)


Period

Dividends

Yield %

Growth %

Payout Ratio

Coverage Ratio

2024

$0.84

1.40%

0.00%

15.05%

6.64

2023

$0.84

2.60%

0.00%

5.84%

17.13

2022

$0.84

2.20%

0.00%

18.79%

5.32

2021

$0.84

1.30%

-33.33%

5.22%

19.15

2020

$1.26

1.70%

-

28.19%

3.55

BFH Balance Sheet (MRY)


Metric

2024

2023

2022

2021

Total Assets

$22,891,000,000 (-1.08%)

$23,141,000,000 (-8.92%)

$25,407,000,000 (16.84%)

$21,746,000,000 (-3.55%)

Assets Current

-

-

-

-

Assets Non-Current

-

-

-

-

Goodwill & Intangible Assets

$746,000,000 (-2.10%)

$762,000,000 (-4.63%)

$799,000,000 (16.30%)

$687,000,000 (-3.38%)

Shareholders Equity

$3,051,000,000 (4.56%)

$2,918,000,000 (28.83%)

$2,265,000,000 (8.58%)

$2,086,000,000 (37.06%)

Property Plant & Equipment Net

$142,000,000 (-14.97%)

$167,000,000 (-14.36%)

$195,000,000 (-9.30%)

$215,000,000 (0.94%)

Cash & Equivalents

$3,679,000,000 (2.48%)

$3,590,000,000 (-7.74%)

$3,891,000,000 (27.74%)

$3,046,000,000 (8.94%)

Accumulated Other Comprehensive Income

-$22,000,000 (-15.79%)

-$19,000,000 (9.52%)

-$21,000,000 (-950.00%)

-$2,000,000 (60.00%)

Deferred Revenue

$0 (0%)

$0 (0%)

$0 (0%)

$0 (0%)

Total Investments

$16,921,000,000 (-1.95%)

$17,258,000,000 (-9.75%)

$19,122,000,000 (20.98%)

$15,806,000,000 (5.37%)

Investments Current

-

-

-

-

Investments Non-Current

-

-

-

-

Inventory

$0 (0%)

$0 (0%)

$0 (0%)

$0 (0%)

Trade & Non-Trade Receivables

$0 (0%)

$0 (0%)

$0 (0%)

$0 (0%)

Trade & Non-Trade Payables

$0 (0%)

$0 (0%)

$0 (0%)

$0 (0%)

Accumulated Retained Earnings (Deficit)

$999,000,000 (30.25%)

$767,000,000 (724.73%)

$93,000,000 (206.90%)

-$87,000,000 (-101.80%)

Tax Assets

$0 (0%)

$0 (0%)

$0 (0%)

$0 (0%)

Tax Liabilities

$0 (0%)

$0 (0%)

$0 (0%)

$0 (0%)

Total Debt

$5,557,000,000 (5.01%)

$5,292,000,000 (-33.91%)

$8,007,000,000 (7.64%)

$7,439,000,000 (-12.65%)

Debt Current

-

-

-

-

Debt Non-Current

-

-

-

-

Total Liabilities

$19,840,000,000 (-1.89%)

$20,223,000,000 (-12.61%)

$23,142,000,000 (17.71%)

$19,660,000,000 (-6.49%)

Liabilities Current

-

-

-

-

Liabilities Non-Current

-

-

-

-

BFH Income Statement (MRY)


Metric

2024

2023

2022

2021

Revenues

$2,441,000,000 (-20.23%)

$3,060,000,000 (37.10%)

$2,232,000,000 (-18.18%)

$2,728,000,000 (34.25%)

Cost of Revenue

$0 (0%)

$0 (0%)

$0 (0%)

$0 (0%)

Selling General & Administrative Expense

$1,370,000,000 (-5.91%)

$1,456,000,000 (10.47%)

$1,318,000,000 (14.21%)

$1,154,000,000 (0.52%)

Research & Development Expense

$0 (0%)

$0 (0%)

$0 (0%)

$0 (0%)

Operating Expenses

$2,060,000,000 (-1.53%)

$2,092,000,000 (8.28%)

$1,932,000,000 (14.73%)

$1,684,000,000 (-2.72%)

Interest Expense

$0 (0%)

$0 (0%)

$0 (0%)

$0 (0%)

Income Tax Expense

$102,000,000 (-55.84%)

$231,000,000 (203.95%)

$76,000,000 (-69.23%)

$247,000,000 (165.59%)

Net Loss Income from Discontinued Operations

$2,000,000 (-89.47%)

$19,000,000 (1800.00%)

$1,000,000 (125.00%)

-$4,000,000 (33.33%)

Consolidated Income

$277,000,000 (-61.42%)

$718,000,000 (221.97%)

$223,000,000 (-72.16%)

$801,000,000 (274.30%)

Net Income to Non-Controlling Interests

$0 (0%)

$0 (0%)

$0 (0%)

$0 (0%)

Net Income

$277,000,000 (-61.42%)

$718,000,000 (221.97%)

$223,000,000 (-72.16%)

$801,000,000 (274.30%)

Preferred Dividends Income Statement Impact

$0 (0%)

$0 (0%)

$0 (0%)

$0 (0%)

Net Income Common Stock

$277,000,000 (-61.42%)

$718,000,000 (221.97%)

$223,000,000 (-72.16%)

$801,000,000 (274.30%)

Weighted Average Shares

$49,600,000 (-0.40%)

$49,800,000 (-0.20%)

$49,900,000 (0.40%)

$49,700,000 (3.97%)

Weighted Average Shares Diluted

$50,400,000 (0.80%)

$50,000,000 (0.00%)

$50,000,000 (0.00%)

$50,000,000 (4.38%)

Earning Before Interest & Taxes (EBIT)

$379,000,000 (-60.06%)

$949,000,000 (217.39%)

$299,000,000 (-71.47%)

$1,048,000,000 (241.37%)

Gross Profit

$2,441,000,000 (-20.23%)

$3,060,000,000 (37.10%)

$2,232,000,000 (-18.18%)

$2,728,000,000 (34.25%)

Operating Income

$381,000,000 (-60.64%)

$968,000,000 (222.67%)

$300,000,000 (-71.26%)

$1,044,000,000 (246.84%)

BFH Cash Flow Statement (MRY)


Metric

2024

2023

2022

2021

Net Cash Flow from Investing

-$1,169,000,000 (-248.35%)

$788,000,000 (115.42%)

-$5,111,000,000 (-202.25%)

-$1,691,000,000 (-195.32%)

Net Cash Flow from Financing

-$592,000,000 (80.82%)

-$3,086,000,000 (-194.46%)

$3,267,000,000 (437.34%)

$608,000,000 (114.59%)

Net Cash Flow from Operations

$1,859,000,000 (-6.44%)

$1,987,000,000 (7.52%)

$1,848,000,000 (19.77%)

$1,543,000,000 (-18.06%)

Net Cash Flow / Change in Cash & Cash Equivalents

$98,000,000 (131.51%)

-$311,000,000 (-7875.00%)

$4,000,000 (-99.13%)

$460,000,000 (192.93%)

Net Cash Flow - Business Acquisitions and Disposals

$0 (0%)

$0 (0%)

$0 (0%)

-$75,000,000 (71.91%)

Net Cash Flow - Investment Acquisitions and Disposals

-$1,133,000,000 (-235.53%)

$836,000,000 (116.59%)

-$5,039,000,000 (-254.11%)

-$1,423,000,000 (-167.44%)

Capital Expenditure

-$36,000,000 (25.00%)

-$48,000,000 (29.41%)

-$68,000,000 (19.05%)

-$84,000,000 (-55.56%)

Issuance (Repayment) of Debt Securities

$54,000,000 (101.96%)

-$2,759,000,000 (-604.39%)

$547,000,000 (222.37%)

-$447,000,000 (74.31%)

Issuance (Purchase) of Equity Shares

-$55,000,000 (-57.14%)

-$35,000,000 (0%)

$0 (0%)

$0 (0%)

Payment of Dividends & Other Cash Distributions

-$43,000,000 (-2.38%)

-$42,000,000 (2.33%)

-$43,000,000 (-2.38%)

-$42,000,000 (31.15%)

Effect of Exchange Rate Changes on Cash

$0 (0%)

$0 (0%)

$0 (0%)

$0 (0%)

Share Based Compensation

$54,000,000 (22.73%)

$44,000,000 (33.33%)

$33,000,000 (13.79%)

$29,000,000 (38.10%)

Depreciation Amortization & Accretion

$90,000,000 (-22.41%)

$116,000,000 (2.65%)

$113,000,000 (-8.13%)

$123,000,000 (-33.15%)

BFH Financial Metrics (MRY)


Metric

2024

2023

2022

2021

Gross Margin

100.00% (0.00%)

100.00% (0.00%)

100.00% (0.00%)

100.00% (0.00%)

Profit Margin

11.30% (-51.91%)

23.50% (135.00%)

10.00% (-65.99%)

29.40% (180.00%)

EBITDA Margin

19.20% (-44.83%)

34.80% (88.11%)

18.50% (-56.88%)

42.90% (77.27%)

Return on Average Equity (ROAE)

9.00% (-64.84%)

25.60% (163.92%)

9.70% (-75.32%)

39.30% (133.93%)

Return on Average Assets (ROAA)

1.20% (-63.64%)

3.30% (230.00%)

1.00% (-72.97%)

3.70% (311.11%)

Return on Sales (ROS)

15.50% (-50.00%)

31.00% (131.34%)

13.40% (-65.10%)

38.40% (154.30%)

Return on Invested Capital (ROIC)

1.70% (-59.52%)

4.20% (250.00%)

1.20% (-81.25%)

6.40% (220.00%)

Dividend Yield

1.40% (-46.15%)

2.60% (18.18%)

2.20% (69.23%)

1.30% (-23.53%)

Price to Earnings Ratio (P/E)

10.94 (378.07%)

2.29 (-72.83%)

8.43 (103.65%)

4.14 (-75.04%)

Price to Sales Ratio (P/S)

1.24 (131.53%)

0.54 (-36.34%)

0.84 (-30.59%)

1.21 (-30.41%)

Price to Book Ratio (P/B)

0.99 (78.64%)

0.56 (-32.81%)

0.83 (-47.83%)

1.59 (-31.60%)

Debt to Equity Ratio (D/E)

6.5 (-6.16%)

6.93 (-32.17%)

10.22 (8.40%)

9.43 (-31.77%)

Earnings Per Share (EPS)

5.58 (-61.22%)

14.39 (221.92%)

4.47 (-72.22%)

16.09 (259.96%)

Sales Per Share (SPS)

49.21 (-19.91%)

61.45 (37.37%)

44.73 (-18.51%)

54.89 (29.12%)

Free Cash Flow Per Share (FCFPS)

36.75 (-5.60%)

38.94 (9.15%)

35.67 (21.51%)

29.36 (-23.28%)

Book Value Per Share (BVPS)

61.51 (4.98%)

58.59 (29.09%)

45.39 (8.15%)

41.97 (31.82%)

Tangible Assets Book Value Per Share (TABVPS)

446.47 (-0.65%)

449.38 (-8.88%)

493.15 (16.38%)

423.72 (-7.25%)

Enterprise Value Over EBIT (EV/EBIT)

11 (266.67%)

3 (-78.57%)

14 (100.00%)

7 (-73.08%)

Enterprise Value Over EBITDA (EV/EBITDA)

8.89 (283.60%)

2.32 (-77.41%)

10.26 (55.23%)

6.61 (-58.95%)

Asset Turnover

0.11 (-20.86%)

0.14 (40.40%)

0.1 (-20.80%)

0.13 (38.89%)

Current Ratio

-

-

-

-

Dividends

$0.84 (0.00%)

$0.84 (0.00%)

$0.84 (0.00%)

$0.84 (-33.33%)

Free Cash Flow (FCF)

$1,823,000,000 (-5.98%)

$1,939,000,000 (8.93%)

$1,780,000,000 (22.00%)

$1,459,000,000 (-20.23%)

Enterprise Value (EV)

$4,168,601,686 (68.91%)

$2,467,950,788 (-41.59%)

$4,225,466,541 (-45.38%)

$7,736,394,706 (-2.11%)

Earnings Before Tax (EBT)

$379,000,000 (-60.06%)

$949,000,000 (217.39%)

$299,000,000 (-71.47%)

$1,048,000,000 (241.37%)

Earnings Before Interest Taxes & Depreciation Amortization (EBITDA)

$469,000,000 (-55.96%)

$1,065,000,000 (158.50%)

$412,000,000 (-64.82%)

$1,171,000,000 (138.49%)

Invested Capital

$24,023,000,000 (-0.24%)

$24,081,000,000 (-16.16%)

$28,724,000,000 (12.86%)

$25,452,000,000 (48.55%)

Working Capital

-

-

-

-

Tangible Asset Value

$22,145,000,000 (-1.05%)

$22,379,000,000 (-9.06%)

$24,608,000,000 (16.85%)

$21,059,000,000 (-3.56%)

Market Capitalization

$3,035,601,686 (86.81%)

$1,624,950,788 (-13.45%)

$1,877,466,541 (-43.35%)

$3,314,194,706 (-6.28%)

Average Equity

$3,091,250,000 (10.07%)

$2,808,500,000 (22.02%)

$2,301,750,000 (13.06%)

$2,035,950,000 (60.09%)

Average Assets

$22,267,500,000 (0.84%)

$22,082,000,000 (-1.98%)

$22,529,000,000 (3.61%)

$21,744,650,000 (-4.17%)

Invested Capital Average

$22,662,000,000 (0.26%)

$22,604,000,000 (-11.26%)

$25,472,250,000 (56.04%)

$16,324,600,000 (4.46%)

Shares

49,715,062 (0.78%)

49,330,625 (-1.05%)

49,853,068 (0.14%)

49,785,109 (4.32%)