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BST/LID (BST/LID)

Stuttgart Stock Exchange: BST/LID · EUR

€92.0

+1.00 (+1.1%)· Recorded snapshot

Market cap	3.5B
Revenue (ttm)	2.4B
Net income (ttm)	464.1M
EPS (ttm)	€11.2
P/E (trailing)	8.2x
P/E (forward)	7.6x
Dividend	€0.82 (0.89%)
Volume	110

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 2.4B
Net income (ttm): 464.1M
EPS (ttm): €11.2
P/E (trailing): 8.2x
P/E (forward): 7.6x
Market cap: 3.5B

Metric	Value
Amount currency	EUR
Country	United States
Country code	DE
Earnings date	2026-10-22
Employees	6,000
Employees change	0
Employees growth	0%
Exchange	Stuttgart Stock Exchange
Financial currency	USD
Financial report date	2026-09-30
First seen	2026-05-10
Fiscal year end	December
Founded	1995
Industry	Credit Services
Is primary listing	No
ISIN number	US0185811082
Last earnings date	2026-10-22
Last refreshed	2026-10-28
Market cap	EUR 3.5B
Next earnings date	2027-01-27
Price	EUR 92.00
Price currency	EUR
Sector	Financials
SIC code	6141
Stock price date	2026-10-27
Symbol	bst/LID
Website	https://www.breadfinancial.com

Metric

Value

Amount currency

EUR

Country

United States

Country code

Earnings date

2026-10-22

Employees

6,000

Employees change

Employees growth

Exchange

Stuttgart Stock Exchange

Financial currency

USD

Financial report date

2026-09-30

First seen

2026-05-10

Fiscal year end

December

Founded

1995

Industry

Credit Services

Is primary listing

ISIN number

US0185811082

Last earnings date

2026-10-22

Last refreshed

2026-10-28

Market cap

EUR 3.5B

Next earnings date

2027-01-27

Price

EUR 92.00

Price currency

EUR

Sector

Financials

SIC code

6141

Stock price date

2026-10-27

Symbol

bst/LID

Website

https://www.breadfinancial.com

Metric	Value
Average P/E ratio (10Y)	11.17x
Average P/E ratio (3Y)	6.73x
Average P/E ratio (5Y)	5.74x
Earnings yield	12.19%
FCF yield	56.27%
Forward P/E	7.57x
Graham number	147.94091
Graham upside	60.81%
Lynch fair value	EUR 61.06
Lynch upside	-33.63%
P/B ratio	1.16x
P/E ratio	8.21x
P/FCF ratio	1.78x
P/OCF ratio	1.78x
P/S ratio	1.47x
Price / tangible book value	1.45x
Sector forward P/E	11.95x
Sector P/E	12.95x

Metric

Value

Average P/E ratio (10Y)

11.17x

Average P/E ratio (3Y)

6.73x

Average P/E ratio (5Y)

5.74x

Earnings yield

12.19%

FCF yield

56.27%

Forward P/E

7.57x

Graham number

147.94091

Graham upside

60.81%

Lynch fair value

EUR 61.06

Lynch upside

-33.63%

P/B ratio

1.16x

P/E ratio

8.21x

P/FCF ratio

1.78x

P/OCF ratio

1.78x

P/S ratio

1.47x

Price / tangible book value

1.45x

Sector forward P/E

11.95x

Sector P/E

12.95x

Metric	Value
Effective tax rate	22.88%
FCF margin	81.32%
Operating margin	27.97%
Pretax margin	25.82%
Profit margin	19.95%
Profit per employee	EUR 77,346
Profitable quarters	15
Profitable years	24
Revenue per employee	EUR 395,096
ROA	2.38%
ROA (5Y)	2.22%
ROE	15.87%
ROE (5Y)	21.72%
SBC / revenue	2.27%
Tax / revenue	5.91%

Metric

Value

Effective tax rate

22.88%

FCF margin

81.32%

Operating margin

27.97%

Pretax margin

25.82%

Profit margin

19.95%

Profit per employee

EUR 77,346

Profitable quarters

Profitable years

Revenue per employee

EUR 395,096

ROA

2.38%

ROA (5Y)

2.22%

ROE

15.87%

ROE (5Y)

21.72%

SBC / revenue

2.27%

Tax / revenue

5.91%

Metric	Value
EPS growth	28.81%
EPS growth (Q)	-3.54%
EPS growth (QoQ)	7.61%
EPS growth 10Y	2.8%
EPS growth 3Y	5.01%
EPS growth 5Y	-4.89%
EPS growth years	1
FCF growth	9.29%
FCF growth (Q)	-0.66%
FCF growth (QoQ)	12.76%
FCF growth 3Y	5.45%
FCF growth 5Y	7.46%
Net income growth	14.01%
Net income growth (Q)	-17.02%
Net income growth (QoQ)	4.17%
Net income growth 3Y	-0.87%
Net income growth 5Y	-7.9%
Net income growth years	1
OCF growth	9.29%
OCF growth (Q)	-0.66%
OCF growth (QoQ)	12.76%
OCF growth 10Y	0.76%
OCF growth 3Y	5.45%
OCF growth 5Y	6.44%
Revenue growth	7.29%
Revenue growth (Q)	3.57%
Revenue growth (QoQ)	2.35%
Revenue growth 10Y	-7.39%
Revenue growth 3Y	-2.08%
Revenue growth 5Y	2.74%
Revenue growth quarters	7
Revenue growth years	1

Metric

Value

EPS growth

28.81%

EPS growth (Q)

-3.54%

EPS growth (QoQ)

7.61%

EPS growth 10Y

2.8%

EPS growth 3Y

5.01%

EPS growth 5Y

-4.89%

EPS growth years

FCF growth

9.29%

FCF growth (Q)

-0.66%

FCF growth (QoQ)

12.76%

FCF growth 3Y

5.45%

FCF growth 5Y

7.46%

Net income growth

14.01%

Net income growth (Q)

-17.02%

Net income growth (QoQ)

4.17%

Net income growth 3Y

-0.87%

Net income growth 5Y

-7.9%

Net income growth years

OCF growth

9.29%

OCF growth (Q)

-0.66%

OCF growth (QoQ)

12.76%

OCF growth 10Y

0.76%

OCF growth 3Y

5.45%

OCF growth 5Y

6.44%

Revenue growth

7.29%

Revenue growth (Q)

3.57%

Revenue growth (QoQ)

2.35%

Revenue growth 10Y

-7.39%

Revenue growth 3Y

-2.08%

Revenue growth 5Y

2.74%

Revenue growth quarters

Revenue growth years

Metric	Value
EPS	EUR 11.21
Financing cash flow	EUR 677.2M
Free cash flow	EUR 2B
Gross profit	EUR 2.4B
Income taxes	EUR 140M
Investing cash flow	EUR -2.2B
Net borrowing	EUR -635.4M
Net cash flow	EUR 376M
Net income	EUR 464.1M
Operating income	EUR 663.1M
Revenue	EUR 2.4B
Stock-based compensation	EUR 53.7M

Metric

Value

EPS

EUR 11.21

Financing cash flow

EUR 677.2M

Free cash flow

EUR 2B

Gross profit

EUR 2.4B

Income taxes

EUR 140M

Investing cash flow

EUR -2.2B

Net borrowing

EUR -635.4M

Net cash flow

EUR 376M

Net income

EUR 464.1M

Operating income

EUR 663.1M

Revenue

EUR 2.4B

Stock-based compensation

EUR 53.7M

Metric	Value
Book value per share	EUR 79.65
Debt / equity	0.91
Debt / FCF	1.4
Net cash (debt)	EUR 728.3M
Net cash / market cap	20.83%
Net debt / equity	-0.24
Net debt / FCF	-0.37
Piotroski F-Score	4
Property, plant and equipment	EUR 87.2M
Shareholders' equity	EUR 3B
Tangible book value	EUR 2.4B
Tangible book value per share	EUR 63.57
Total assets	EUR 20.5B
Total cash	EUR 3.5B
Total debt	EUR 2.8B
Total liabilities	EUR 17.5B

Metric

Value

Book value per share

EUR 79.65

Debt / equity

0.91

Debt / FCF

1.4

Net cash (debt)

EUR 728.3M

Net cash / market cap

20.83%

Net debt / equity

-0.24

Net debt / FCF

-0.37

Piotroski F-Score

Property, plant and equipment

EUR 87.2M

Shareholders' equity

EUR 3B

Tangible book value

EUR 2.4B

Tangible book value per share

EUR 63.57

Total assets

EUR 20.5B

Total cash

EUR 3.5B

Total debt

EUR 2.8B

Total liabilities

EUR 17.5B

Metric	Value
Working capital	EUR -9.6B

Metric

Value

Working capital

EUR -9.6B

Metric	Value
Buyback yield / dilution	13.28%
Dividend growth	6.23%
Dividend growth (3Y)	1.72%
Dividend growth (5Y)	2.88%
Dividend growth years	0
Dividend payment date	2026-12-15
Dividend payment years	8
Dividend payout frequency	Quarterly
Dividend per share	EUR 0.82
Dividend yield	0.89%
Ex-dividend date	2026-11-30
Last dividend	EUR 0.22
Payout ratio	9.31%
Shareholder yield	14.17%

Metric

Value

Buyback yield / dilution

13.28%

Dividend growth

6.23%

Dividend growth (3Y)

1.72%

Dividend growth (5Y)

2.88%

Dividend growth years

Dividend payment date

2026-12-15

Dividend payment years

Dividend payout frequency

Quarterly

Dividend per share

EUR 0.82

Dividend yield

0.89%

Ex-dividend date

2026-11-30

Last dividend

EUR 0.22

Payout ratio

9.31%

Shareholder yield

14.17%

Metric	Value
150-day SMA	EUR 84.79
1D price change	1.1%
1M price change	2.22%
1M total return	2.22%
1W price change	0.55%
1W total return	0.55%
1Y price change	84.89%
1Y return CAGR	87.15%
1Y total return	87.07%
20-day SMA	EUR 89.75
200-day SMA	EUR 79.19
3M price change	1.66%
3M total return	1.88%
3Y price change	245.87%
3Y return CAGR	54.09%
3Y total return	265.97%
50-day SMA	EUR 90.82
50-day SMA vs 200-day SMA	50over200
52-week high	EUR 98.00
52-week high date	2026-08-14
52-week low	EUR 51.36
52-week low date	2025-11-18
5Y price change	6.19%
5Y return CAGR	8.23%
5Y total return	48.52%
6M price change	25.17%
6M total return	25.77%
All-time high	EUR 142.96
All-time high date	2019-08-01
All-time low	EUR 20.20
All-time low date	2020-03-19
Average true range (ATR)	EUR 2.74
Average volume	28.3
Change from 52-week high	-6.12%
Change from 52-week low	79.13%
Change from all-time high	-35.65%
Change from all-time low	355.45%
Change from open	1.1%
Day's gap	0%
Dollar volume	EUR 10,120
High price	EUR 92.50
Low price	EUR 91.00
Monthly RSI	62.55
Open price	EUR 91.00
Position in 52-week range	66.67%
Previous close	EUR 91.00
Price vs 150-day SMA	8.51%
Price vs 20-day SMA	2.51%
Price vs 200-day SMA	16.17%
Price vs 50-day SMA	1.3%
Relative volume	3.89
RSI	52.96
Sharpe ratio	1.43
Sharpe ratio (3Y)	0.4
Sortino ratio	2.78
Sortino ratio (3Y)	0.74
Volume	110
Weekly RSI	56.78
YTD price change	44.7%
YTD total return	45.82%

Metric

Value

150-day SMA

EUR 84.79

1D price change

1.1%

1M price change

2.22%

1M total return

2.22%

1W price change

0.55%

1W total return

0.55%

1Y price change

84.89%

1Y return CAGR

87.15%

1Y total return

87.07%

20-day SMA

EUR 89.75

200-day SMA

EUR 79.19

3M price change

1.66%

3M total return

1.88%

3Y price change

245.87%

3Y return CAGR

54.09%

3Y total return

265.97%

50-day SMA

EUR 90.82

50-day SMA vs 200-day SMA

50over200

52-week high

EUR 98.00

52-week high date

2026-08-14

52-week low

EUR 51.36

52-week low date

2025-11-18

5Y price change

6.19%

5Y return CAGR

8.23%

5Y total return

48.52%

6M price change

25.17%

6M total return

25.77%

All-time high

EUR 142.96

All-time high date

2019-08-01

All-time low

EUR 20.20

All-time low date

2020-03-19

Average true range (ATR)

EUR 2.74

Average volume

28.3

Change from 52-week high

-6.12%

Change from 52-week low

79.13%

Change from all-time high

-35.65%

Change from all-time low

355.45%

Change from open

1.1%

Day's gap

Dollar volume

EUR 10,120

High price

EUR 92.50

Low price

EUR 91.00

Monthly RSI

62.55

Open price

EUR 91.00

Position in 52-week range

66.67%

Previous close

EUR 91.00

Price vs 150-day SMA

8.51%

Price vs 20-day SMA

2.51%

Price vs 200-day SMA

16.17%

Price vs 50-day SMA

1.3%

Relative volume

3.89

RSI

52.96

Sharpe ratio

1.43

Sharpe ratio (3Y)

0.4

Sortino ratio

2.78

Sortino ratio (3Y)

0.74

Volume

110

Weekly RSI

56.78

YTD price change

44.7%

YTD total return

45.82%

Metric	Value
Float	37.3M
Shares change (QoQ)	-3.44%
Shares change (YoY)	-13.28%
Shares held by insiders	1.73%
Shares held by institutions	107.95%
Short ratio	6.4 days

Metric

Value

Float

37.3M

Shares change (QoQ)

-3.44%

Shares change (YoY)

-13.28%

Shares held by insiders

1.73%

Shares held by institutions

107.95%

Short ratio

6.4 days

BST/LID (BST/LID)

Price

Financial snapshot

Fair-value bridge

Latest news · BST/LID

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BST/LID indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on BST/LID

Frequently asked questions