Bread Financial Holdings, Inc.

BOVESPA:A1LL34 Stock Report

Market Cap: R$19.0b

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 12.6% 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 Growth9.8%
Revenue growth rate-4.1%
Return on equity10.2%
Net Margin12.8%
Last Earnings Update30 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

BOVESPA:A1LL34 Revenue, expenses and earnings (USD Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 242,4673161,4340
30 Jun 242,5794871,4150
31 Mar 242,5484171,4380
31 Dec 233,0607371,4670
30 Sep 232,8675591,4760
30 Jun 232,8155191,4840
31 Mar 232,6864681,4490
31 Dec 222,2322241,3690
30 Sep 222,3834181,2700
30 Jun 222,3974901,2040
31 Mar 222,6877401,1480
31 Dec 212,7287971,1650
30 Sep 212,3527431,7390
30 Jun 212,3906711,5010
31 Mar 212,2064461,2640
31 Dec 202,0322081,0490
30 Sep 202,8613311780
30 Jun 203,1343191710
31 Mar 203,4884151880
31 Dec 192,8624971,2090
30 Sep 194,0366872370
30 Jun 194,1268552620
31 Mar 194,1309442730
31 Dec 184,1089462670
30 Sep 184,5769642960
30 Jun 185,0499083240
31 Mar 185,4938223550
31 Dec 173,8797692520
30 Sep 175,8185283920
30 Jun 175,7815023900
31 Mar 175,8024383870
31 Dec 165,7694323660
30 Sep 165,8025663580
30 Jun 165,6114873560
31 Mar 165,4585453490
31 Dec 155,4415523530
30 Sep 155,2624603610
30 Jun 155,0704953450
31 Mar 154,9115023170
31 Dec 144,6174923020
30 Sep 144,2895572730
30 Jun 144,0775262600
31 Mar 143,8585052530
31 Dec 133,6684962340

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 (9.8%).

Return on Equity

High ROE: A1LL34's Return on Equity (10.2%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/30 07:29
End of Day Share Price 2024/12/30 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Bread Financial Holdings, Inc. is covered by 46 analysts. 14 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Kunaal MaldeAtlantic Equities LLP
Jeffrey MeulerBaird
Darrin PellerBarclays