Discounted Cash Flow
Bread Financial Holdings, Inc.
—
—
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Endpoint CAGR (better for long term trend)
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Projected growth rate
—
—
%
%
Historical inputs (10 fiscal years)
| YEAR | Sales | Net Income | Free Cash Flow | Net Margin | EPS (diluted) |
|---|---|---|---|---|---|
| 2016 | $7.1b | $515.8m | $2.1b | 7.2% | $7.37 |
| 2017 | $7.7b (8.1%) | $788.7m (52.9%) | $2.6b (25.0%) | 10.2% (41.4%) | $14.17 (92.3%) |
| 2018 | $3.1b (-60.0%) | $963.1m (22.1%) | $2.8b (5.6%) | 31.2% (205.6%) | $17.56 (23.9%) |
| 2019 | $840.2m (-72.8%) | $278.0m (-71.1%) | $1.2b (-55.8%) | 33.1% (6.0%) | $5.36 (-69.5%) |
| 2020 | $577.2m (-31.3%) | $213.7m (-23.1%) | $1.9b (54.6%) | 37.0% (11.9%) | $4.47 (-16.6%) |
| 2021 | $3.5b (503.8%) | $801.0m (274.8%) | $1.5b (-22.5%) | 23.0% (-37.9%) | $16.09 (260.0%) |
| 2022 | $4.2b (20.0%) | $223.0m (-72.2%) | $1.8b (22.0%) | 5.3% (-76.8%) | $4.47 (-72.2%) |
| 2023 | $4.3b (2.0%) | $718.0m (222.0%) | $2.0b (11.6%) | 16.8% (215.6%) | $14.39 (221.9%) |
| 2024 | $4.1b (-4.7%) | $277.0m (-61.4%) | $1.9b (-6.4%) | 6.8% (-59.5%) | $5.58 (-61.2%) |
| 2025 | $4.1b (-0.1%) | $518.0m (87.0%) | $2.1b (12.5%) | 12.8% (87.3%) | $11.07 (98.4%) |
Base FCF: — (latest fiscal year)
Discount rate: % —
Terminal growth: —
Projection period: — years
Alt A decline yrs:
Alt B total yrs:
Values abbreviated: b = billions, m = millions, k = thousands.
Projected cash flows
| Year | Projected cash flow | Discount Factor | Present Value |
|---|
PV of projected FCF: —
Terminal FCF: —
Terminal value: —
PV of terminal value: —
Enterprise value (DCF): —
Current price: —
—Alternative DCF Models
| Model | Fair Value | Upside | PV(FCFs) | PV(Terminal) | Total Years |
|---|---|---|---|---|---|
| Standard (10yr→TV) | — | — | — | — | 10 + TV |
| Alt A (Gradual Decline) | — | — | — | — | — |
| Alt B (30yr Hard Stop) | — | — | — | N/A | — |
This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.