Sector pending / Personal Credit InstitutionsUpdated 2026-05-10 22:07 UTC

FRA/LID stock hub

FRA/LID has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

Frankfurt Stock Exchange

Market data

Live price

Current market quote for this ticker.

Current price

FRA/LID

In the news

Latest news · FRA/LID

Recent company headlines from major financial publishers.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E7.9

P25 n/aP50 n/aP75 n/a

Trailing P/E6.2

P25 n/aP50 n/aP75 n/a

ROE17.5

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All FRA/LID market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

178

Groups with data

Currency

USD

Showing 178 of 178 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Country	United States
Country code	DE
Employees	6,000
Employees Change	-1,000%
Employees Change Percent	-14.29
Exchange	Frankfurt Stock Exchange
Financial currency	USD
First seen	2026-05-10
Industry	Personal Credit Institutions
Last refreshed	2026-05-10
Market cap	EUR 3B
Price	EUR 73.5
Price currency	EUR
Rev Per Employee	382,190.2x
Sic	6141
Symbol	fra/LID
Website	https://www.breadfinancial.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	16.17%
Forward P/E	7.93x
P/B ratio	1.04x
P/E ratio	6.18x
P/S ratio	1.31x
PE Ratio10 Y	11.95x
PE Ratio3 Y	6.02x
PE Ratio5 Y	5.68x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Gross Profit	EUR 2.3B
Net Income	EUR 484.8M
Net Income Growth	99.64%
Net Income Growth Q	31.16%
Net Income Growth3 Y	6.1%
Net Income Growth5 Y	3.53%
Pretax Margin	25%
Profit Margin	21.22%
Profit Per Employee	EUR 80,803
ROA	2.51
Roa5y	2.22
ROE	17.52
Roe5y	21.72

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	-4.57%
Cagr15y	3.76%
Cagr1y	74.16%
Cagr3y	51.07%
Cagr5y	0.94%
Div CAGR3	-1.92%
Div CAGR5	1.04%
EPS Growth	118.8
EPS Growth Q	49.32
EPS Growth3 Y	9.19
EPS Growth5 Y	4.63
FCF Growth	21.11%
FCF Growth Q	23.92%
FCF Growth3 Y	7.72%
FCF Growth5 Y	4.23%
OCF Growth	21.11%
OCF Growth Q	23.92%
OCF Growth10 Y	1.9%
OCF Growth3 Y	7.72%
OCF Growth5 Y	3.65%
Revenue Growth	8.14x
Revenue Growth Q	6.08x
Revenue Growth3 Y	-0.52x
Revenue Growth5 Y	3.69x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Assets	EUR 19.3B
Cash	EUR 3.2B
Debt	EUR 3.4B
Equity	EUR 2.9B
Liabilities	EUR 16.5B
Net Cash	EUR -209M
Net Cash By Market Cap	EUR -6.97
Net Debt Equity	EUR 0.07
Tangible Book Value	EUR 2.3B
Tangible Book Value Per Share	EUR 54.96

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working Capital	EUR -10.2B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	8.69%
Dividend Growth	-2.87%
Dividend Growth Years	0%
Dividend per share	EUR 0.76
Dividend Years	11
Dividend Yield	1.04%
Ex Div Date	2026-02-27
Last Dividend	EUR 0.19
Payout Frequency	Quarterly
Payout Ratio	7.84%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	-37.37%
1Y total return	74.1%
200-day SMA	59.33
3Y total return	244.85%
50-day SMA	67.49
50-day SMA vs 200-day SMA	50over200
5Y total return	4.8%
All Time High	286.7
All Time High Change	-74.37%
All Time High Date	2015-04-13
All Time Low	20.8
All Time Low Change	253.37%
All Time Low Date	2020-03-19
ATR	1.56
Ch YTD	15.86
High	73.5
High52	78.5
High52 Date	2026-04-24
High52ch	-6.37%
Low	73.5
Low52	42.86
Low52 Date	2025-05-08
Low52ch	71.49%
Ma50ch	8.9%
Price vs 200-day SMA	23.88%
RSI	55.68
RSI Monthly	66.23
RSI Weekly	62.03
Sharpe ratio	1.39x
Sortino ratio	2.22
Total Return	9.72%
Tr YTD	16.2
Tr15y	74.08%
Tr1m	15.75%
Tr1w	3.52%
Tr3m	10.03%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	EUR 637.5M
Operating margin	27.8

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	39,760,523%
Net Borrowing	-1,115,070,030
Shares Insiders	1.54%
Shares Institutions	119.38%
Shares Qo Q	-6.09%
Shares Yo Y	-8.69%
Short Ratio	5.03

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Average Volume	0x
Bv Per Share	69.83
Ch10y	-57.66
Ch15y	17.68
Ch1m	15.75
Ch1w	3.52
Ch1y	71.61
Ch3m	9.7
Ch3y	225.2
Ch5y	-24.63
Ch6m	34.67
Change	-2%
Change From Open	0
Close	75
Days Gap	-2
Earnings Date	2026-07-22
EPS	EUR 10.56
F Score	4
Financing CF	-624,456,000
Fiscal Year End	December
Founded	1,995
Graham Number	137.48796
Graham Upside	87.06
Income Tax	EUR 87.6M
Investing CF	-1,513,438,500
Is Primary Listing	0
Last Earnings Date	2026-01-29
Last Report Date	2026-03-31
Lynch Fair Value	EUR 59.42
Lynch Upside	-19.15
Ma150	61.44
Ma150ch	19.63%
Ma20	73.55
Ma20ch	-0.07%
Net CF	-241,976,700
Next Earnings Date	2026-07-22
Open	73.5
P OCF Ratio	1.58
Payment Date	2026-03-16
Ppne	94,971,744
Price Date	2026-05-08
Ptbv Ratio	1.32
Relative Volume	2,000x
Revenue	2,293,141,200x
SBC By Revenue	2.19x
Share Based Comp	50,303,400
Tax By Revenue	3.82x
Tax Rate	15.28%
Tr6m	35.07%
Volume	0

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

FRA/LID dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+1.0%

$0.76 annual per share

Payout ratio

+7.8%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

+1.0%

0 consecutive years of growth

Total shareholder yield

+9.7%

Next ex-dividend date: 2026-02-27

Performance

FRA/LID stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns FRA/LID?

Insider, institutional, and short-interest positioning.

Institutional ownership

+119.4%

Share of float held by funds and institutions

Insider ownership

+1.5%

Stake held by company insiders. Higher generally signals alignment.

Negative means the company is buying back shares.

Technical

FRA/LID momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

55.7

Neutral momentum band

Price vs 200-day MA

+23.9%

50/200-day relationship not available

Beta (5Y)

n/a

Sensitivity to the broader market

Sharpe ratio

1.39

Risk-adjusted return — higher is better; >1.0 is solid.

Questions

About FRA/LID

Hub-level FAQ points readers to the deeper analysis pages.

What is the current fra/LID stock rating?

fra/LID is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full fra/LID analysis?

The full report lives at /stocks/fra/LID/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for fra/LID?

The latest report frames fra/LID around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the fra/LID page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.