Bread Financial Holdings Past Earnings Performance
Past criteria checks 4/6
Bread Financial Holdings's earnings have been declining at an average annual rate of -12.2%, while the Consumer Finance industry saw earnings growing at 9.7% annually. Revenues have been declining at an average rate of 12.2% per year. Bread Financial Holdings's return on equity is 19.5%, and it has net margins of 19.5%.
Key information
-12.2%
Earnings growth rate
-10.0%
EPS growth rate
| Consumer Finance Industry Growth | 9.8% |
| Revenue growth rate | -12.2% |
| Return on equity | 19.5% |
| Net Margin | 19.5% |
| Next Earnings Update | 25 Jan 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 23 | 2,867 | 559 | 1,037 | 0 |
| 30 Jun 23 | 2,815 | 519 | 1,036 | 0 |
| 31 Mar 23 | 2,686 | 468 | 1,020 | 0 |
| 31 Dec 22 | 2,232 | 224 | 972 | 0 |
| 30 Sep 22 | 2,383 | 418 | 941 | 0 |
| 30 Jun 22 | 2,397 | 490 | 901 | 0 |
| 31 Mar 22 | 2,687 | 740 | 859 | 0 |
| 31 Dec 21 | 2,728 | 797 | 851 | 0 |
| 30 Sep 21 | 2,332 | 743 | 1,302 | 0 |
| 30 Jun 21 | 2,370 | 671 | 1,120 | 0 |
| 31 Mar 21 | 2,194 | 446 | 936 | 0 |
| 31 Dec 20 | 2,032 | 208 | 779 | 0 |
| 30 Sep 20 | 2,855 | 331 | 59 | 0 |
| 30 Jun 20 | 3,128 | 319 | 61 | 0 |
| 31 Mar 20 | 3,474 | 415 | 98 | 0 |
| 31 Dec 19 | 2,818 | 497 | 926 | 0 |
| 30 Sep 19 | 4,036 | 687 | 169 | 0 |
| 30 Jun 19 | 4,126 | 855 | 180 | 0 |
| 31 Mar 19 | 4,130 | 944 | 169 | 0 |
| 31 Dec 18 | 4,108 | 946 | 163 | 0 |
| 30 Sep 18 | 4,576 | 964 | 163 | 0 |
| 30 Jun 18 | 5,049 | 908 | 157 | 0 |
| 31 Mar 18 | 5,493 | 822 | 153 | 0 |
| 31 Dec 17 | 3,879 | 769 | 159 | 0 |
| 30 Sep 17 | 5,818 | 528 | 157 | 0 |
| 30 Jun 17 | 5,781 | 502 | 160 | 0 |
| 31 Mar 17 | 5,802 | 438 | 160 | 0 |
| 31 Dec 16 | 5,769 | 432 | 143 | 0 |
| 30 Sep 16 | 5,802 | 566 | 138 | 0 |
| 30 Jun 16 | 5,611 | 487 | 138 | 0 |
| 31 Mar 16 | 5,458 | 545 | 136 | 0 |
| 31 Dec 15 | 5,441 | 552 | 139 | 0 |
| 30 Sep 15 | 5,262 | 460 | 152 | 0 |
| 30 Jun 15 | 5,070 | 495 | 150 | 0 |
| 31 Mar 15 | 4,911 | 502 | 138 | 0 |
| 31 Dec 14 | 4,617 | 492 | 142 | 0 |
| 30 Sep 14 | 4,289 | 557 | 126 | 0 |
| 30 Jun 14 | 4,077 | 526 | 121 | 0 |
| 31 Mar 14 | 3,858 | 505 | 121 | 0 |
| 31 Dec 13 | 3,668 | 496 | 109 | 0 |
| 30 Sep 13 | 3,514 | 462 | 116 | 0 |
| 30 Jun 13 | 3,338 | 449 | 107 | 0 |
| 31 Mar 13 | 3,192 | 436 | 106 | 0 |
Quality Earnings: LID has high quality earnings.
Growing Profit Margin: LID's current net profit margins (19.5%) are higher than last year (17.5%).
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: LID's earnings have declined by 12.2% per year over the past 5 years.
Accelerating Growth: LID's earnings growth over the past year (33.7%) exceeds its 5-year average (-12.2% per year).
Earnings vs Industry: LID earnings growth over the past year (33.7%) exceeded the Consumer Finance industry -4.1%.
Return on Equity
High ROE: LID's Return on Equity (19.5%) is considered low.