BFH: Bread Financial Holdings Inc Financial Statements
Balance sheet, income statement, and cash flow statements for Bread Financial Holdings Inc (BFH).
$3.04B Market Cap.
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 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%) |
