Bread Financial Holdings Inc (BFH) Peer Comparison
$51.64
$0.63
(1.24%)
As on 17-May-2022 09:30EDT
Market cap
$2,837 Mln
Revenue (TTM)
$2,502 Mln
P/E Ratio
3.5
P/B Ratio
1.3
Div. Yield
1.5 %
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| Bread Financial Holdings Inc (BFH) | Rocket Companies Inc (RKT) | SoFi Technologies Inc (SOFI) | American Express (AXP) | Capital One Financial (COF) | |
|---|---|---|---|---|---|
Market cap ($ Mln) |
2,837 | 32,252 | 20,407 | 208,063 | 122,243 |
Revenue ($ Mln) |
2,502 | 9,666 | 5,583 | 84,073 | 78,615 |
Net Profit ($ Mln) |
724.80 | 471.15 | 636.26 | 11,445.00 | 10,520.00 |
Net Margin (%) |
28.97 | 4.87 | 11.40 | 13.61 | 13.38 |
RoE (%) |
32.12 | 2.03 | 5.90 | 33.78 | 9.25 |
Price to Earnings |
3.54 | -- | 32.24 | 18.70 | 12.80 |
Price-To-Book |
1.34 | 1.46 | 1.93 | 5.95 | 1.08 |
Income Statement ($ Mln)
| Bread Financial Holdings Inc (BFH) | Rocket Companies Inc (RKT) | SoFi Technologies Inc (SOFI) | American Express (AXP) | Capital One Financial (COF) | |
|---|---|---|---|---|---|
|
Operating Revenue
|
2,502.20 | 13,175.61 | 1,087.65 | 44,430.00 | 32,033.00 |
|
Cost of Revenue
|
986.90 | 491.89 | 110.35 | -136.00 | -346.00 |
|
Gross Profit
|
2,062.00 | 12,683.73 | 977.30 | 44,566.00 | 32,379.00 |
|
Operating Expenses
|
1,552.80 | 6,498.83 | 1,458.48 | 33,877.00 | 16,570.00 |
|
Operating Profit (EBIT)
|
156.30 | 6,184.90 | -481.18 | 10,689.00 | 15,809.00 |
|
Other Income
|
0.00 | -- | -- | -- | -- |
|
Profit before Tax
|
951.50 | 6,184.90 | -481.18 | 10,689.00 | 15,809.00 |
|
Provision for Tax
|
229.70 | 112.74 | 2.76 | 2,629.00 | 3,415.00 |
|
Profit after Tax (Net Income)
|
724.80 | 308.21 | -483.94 | 8,060.00 | 12,390.00 |
|
Minority Interest
|
0.00 | 9,093.87 | -- | -- | -- |
|
Consolidated Profit
|
724.20 | 308.21 | -483.94 | 7,917.00 | 11,965.00 |
Liabilities ($ Mln)
| Bread Financial Holdings Inc (BFH) | Rocket Companies Inc (RKT) | SoFi Technologies Inc (SOFI) | American Express (AXP) | Capital One Financial (COF) | |
|---|---|---|---|---|---|
|
Shareholder's Funds
|
2,268.00 | 9,759.53 | 4,697.70 | 22,177.00 | 61,029.00 |
|
Minority Interest
|
0.00 | 9,093.87 | -- | -- | -- |
|
Non-Current Liabilities
|
3,208.00 | 11,264.06 | 4,180.46 | 67,363.00 | 42,266.00 |
|
Current Liabilities
|
15,462.00 | 11,751.30 | 497.81 | 99,008.00 | 281.00 |
|
Total Liabilities
|
21,746.00 | 32,774.90 | 9,176.33 | 188,548.00 | 432,381.00 |
Assets ($ Mln)
| Bread Financial Holdings Inc (BFH) | Rocket Companies Inc (RKT) | SoFi Technologies Inc (SOFI) | American Express (AXP) | Capital One Financial (COF) | |
|---|---|---|---|---|---|
|
Non-Current Assets
|
17,775.00 | 29,956.89 | 2,167.76 | 161,351.00 | 114,253.00 |
|
Current Assets
|
3,163.00 | 2,818.00 | 689.62 | 27,197.00 | 118,467.00 |
|
Total Assets
|
21,746.00 | 32,774.90 | 9,176.33 | 188,548.00 | 432,381.00 |
|
Total Debt*
|
0.00 | 21,179.73 | 4,539.48 | 40,918.00 | 51,331.00 |
|
Net Current Assets
|
0.00 | -- | -- | -- | -- |
Cashflow ($ Mln)
| Bread Financial Holdings Inc (BFH) | Rocket Companies Inc (RKT) | SoFi Technologies Inc (SOFI) | American Express (AXP) | Capital One Financial (COF) | |
|---|---|---|---|---|---|
|
Cash From Operating Activities
|
1,543.00 | 7,743.93 | -1,350.22 | 14,645.00 | 12,310.00 |
|
Cash Flow from Investing Activities
|
-1,691.00 | -664.85 | 110.19 | -10,529.00 | -31,501.00 |
|
Cash from Financing Activities
|
608.00 | -6,921.47 | 684.99 | -14,933.00 | 474.00 |
|
Net Cash Inflow / Outflow
|
460.00 | 157.61 | -555.04 | -10,817.00 | -18,717.00 |
Ratios
Profitability Ratios
| Bread Financial Holdings Inc (BFH) | Rocket Companies Inc (RKT) | SoFi Technologies Inc (SOFI) | American Express (AXP) | Capital One Financial (COF) | |
|---|---|---|---|---|---|
|
ROCE (%)
|
3.63 | 1.01 | -5.57 | 12.31 | 11.28 |
|
ROE (%)
|
32.12 | 3.49 | -12.49 | 35.69 | 20.44 |
|
ROA (%)
|
3.06 | 0.88 | -5.46 | 4.24 | 2.90 |
|
EBIT Margin (%)
|
-1.34 | -- | -- | -- | -- |
|
Net Margin (%)
|
28.97 | 2.34 | -44.49 | 18.14 | 38.68 |
|
Cash Profit Margin (%)
|
0.00 | -- | -- | -- | -- |
Growth Ratios
| Bread Financial Holdings Inc (BFH) | Rocket Companies Inc (RKT) | SoFi Technologies Inc (SOFI) | American Express (AXP) | Capital One Financial (COF) | |
|---|---|---|---|---|---|
|
Revenue Growth (%)
|
-40.77 | -0.17 | 0.45 | 0.16 | 0.01 |
|
EBIT Growth (%)
|
-103.83 | -- | -- | -- | -- |
|
Net Profit Growth (%)
|
54.25 | 55.70 | -115.99 | 157.10 | 356.52 |
|
EPS Growth (%)
|
-- | -0.91 | -0.85 | 1.69 | 3.95 |
|
Book Value Growth (%)
|
-- | -- | -- | -- | -- |
Valuation Ratios
| Bread Financial Holdings Inc (BFH) | Rocket Companies Inc (RKT) | SoFi Technologies Inc (SOFI) | American Express (AXP) | Capital One Financial (COF) | |
|---|---|---|---|---|---|
|
Price / Earnings
|
-- | 90.18 | -26.61 | 15.61 | 4.97 |
|
Price / Book Value
|
-- | 2.85 | 2.74 | 5.67 | 1.01 |
|
Dividend Yield (%)
|
-- | -- | -- | -- | -- |
|
EV/EBITDA
|
16.07 | 7.40 | -44.06 | 11.48 | -0.21 |
|
Market Cap ($ Cr)
|
-- | -- | -- | -- | -- |
Solvency Ratios
| Bread Financial Holdings Inc (BFH) | Rocket Companies Inc (RKT) | SoFi Technologies Inc (SOFI) | American Express (AXP) | Capital One Financial (COF) | |
|---|---|---|---|---|---|
|
Debt to Equity
|
2.99 | 2.17 | 0.97 | 1.85 | 0.84 |
|
Short term debt to equity ratio
|
2.12 | 1.18 | 0.11 | 0.10 | 0.15 |
|
Current Ratio
|
0.20 | 0.24 | 1.39 | 0.27 | 421.59 |
|
Quick Ratio
|
0.20 | 0.24 | -0.08 | -0.48 | 506.15 |
|
Interest Coverage
|
1.28 | 12.57 | -4.68 | 8.33 | 9.89 |
Operating Efficiency Ratios
| Bread Financial Holdings Inc (BFH) | Rocket Companies Inc (RKT) | SoFi Technologies Inc (SOFI) | American Express (AXP) | Capital One Financial (COF) | |
|---|---|---|---|---|---|
|
Debtors to sales (%)
|
0.00 | 3.93 | 7.86 | 6.08 | 4.56 |
|
Asset Turnover
|
0.11 | 0.37 | 0.12 | 0.23 | 0.08 |
|
Receivable days
|
1,542.85 | 7.49 | 22.81 | 23.43 | 16.71 |
|
Inventory Days
|
37.64 | 0.60 | 3,491.59 | -254,839.76 | 34,916.21 |
|
Payable days
|
45.42 | 194.36 | 1,243.01 | -26,880.79 | -334.11 |
|
Cash Conversion Cycle
|
1,535.07 | -186.27 | 2,271.39 | -227,935.54 | 35,267.03 |
*TTM (Trailing Twelve Months) data based on income statement of last 4 quarters and interim half yearly balance sheet.
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