Bread Financial Holdings Past Earnings Performance
Past criteria checks 1/6
Bread Financial Holdings's earnings have been declining at an average annual rate of -0.1%, while the Consumer Finance industry saw earnings growing at 12.7% annually. Revenues have been declining at an average rate of 4.1% per year. Bread Financial Holdings's return on equity is 10.2%, and it has net margins of 12.8%.
Key information
-0.1%
Earnings growth rate
-0.3%
EPS growth rate
| Consumer Finance Industry Growth | 9.8% |
| Revenue growth rate | -4.1% |
| Return on equity | 10.2% |
| Net Margin | 12.8% |
| Last Earnings Update | 30 Sep 2024 |
Recent past performance updates
Recent updates
Revenue & Expenses Breakdown
How Bread Financial Holdings makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 30 Sep 24 | 2,467 | 316 | 1,434 | 0 |
| 30 Jun 24 | 2,579 | 487 | 1,415 | 0 |
| 31 Mar 24 | 2,548 | 417 | 1,438 | 0 |
| 31 Dec 23 | 3,060 | 737 | 1,467 | 0 |
| 30 Sep 23 | 2,867 | 559 | 1,476 | 0 |
| 30 Jun 23 | 2,815 | 519 | 1,484 | 0 |
| 31 Mar 23 | 2,686 | 468 | 1,449 | 0 |
| 31 Dec 22 | 2,232 | 224 | 1,369 | 0 |
| 30 Sep 22 | 2,383 | 418 | 1,270 | 0 |
| 30 Jun 22 | 2,397 | 490 | 1,204 | 0 |
| 31 Mar 22 | 2,687 | 740 | 1,148 | 0 |
| 31 Dec 21 | 2,728 | 797 | 1,165 | 0 |
| 30 Sep 21 | 2,352 | 743 | 1,739 | 0 |
| 30 Jun 21 | 2,390 | 671 | 1,501 | 0 |
| 31 Mar 21 | 2,206 | 446 | 1,264 | 0 |
| 31 Dec 20 | 2,032 | 208 | 1,049 | 0 |
| 30 Sep 20 | 2,861 | 331 | 178 | 0 |
| 30 Jun 20 | 3,134 | 319 | 171 | 0 |
| 31 Mar 20 | 3,488 | 415 | 188 | 0 |
| 31 Dec 19 | 2,862 | 497 | 1,209 | 0 |
| 30 Sep 19 | 4,036 | 687 | 237 | 0 |
| 30 Jun 19 | 4,126 | 855 | 262 | 0 |
| 31 Mar 19 | 4,130 | 944 | 273 | 0 |
| 31 Dec 18 | 4,108 | 946 | 267 | 0 |
| 30 Sep 18 | 4,576 | 964 | 296 | 0 |
| 30 Jun 18 | 5,049 | 908 | 324 | 0 |
| 31 Mar 18 | 5,493 | 822 | 355 | 0 |
| 31 Dec 17 | 3,879 | 769 | 252 | 0 |
| 30 Sep 17 | 5,818 | 528 | 392 | 0 |
| 30 Jun 17 | 5,781 | 502 | 390 | 0 |
| 31 Mar 17 | 5,802 | 438 | 387 | 0 |
| 31 Dec 16 | 5,769 | 432 | 366 | 0 |
| 30 Sep 16 | 5,802 | 566 | 358 | 0 |
| 30 Jun 16 | 5,611 | 487 | 356 | 0 |
| 31 Mar 16 | 5,458 | 545 | 349 | 0 |
| 31 Dec 15 | 5,441 | 552 | 353 | 0 |
| 30 Sep 15 | 5,262 | 460 | 361 | 0 |
| 30 Jun 15 | 5,070 | 495 | 345 | 0 |
| 31 Mar 15 | 4,911 | 502 | 317 | 0 |
| 31 Dec 14 | 4,617 | 492 | 302 | 0 |
| 30 Sep 14 | 4,289 | 557 | 273 | 0 |
| 30 Jun 14 | 4,077 | 526 | 260 | 0 |
| 31 Mar 14 | 3,858 | 505 | 253 | 0 |
| 31 Dec 13 | 3,668 | 496 | 234 | 0 |
Quality Earnings: A1LL34 has high quality earnings.
Growing Profit Margin: A1LL34's current net profit margins (12.8%) are lower than last year (19.5%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: A1LL34's earnings have declined by 0.1% per year over the past 5 years.
Accelerating Growth: A1LL34's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: A1LL34 had negative earnings growth (-43.5%) over the past year, making it difficult to compare to the Consumer Finance industry average (10.6%).
Return on Equity
High ROE: A1LL34's Return on Equity (10.2%) is considered low.