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

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E7.6

P25 8.8P50 10.7P75 13.9

Trailing P/E8.2

P25 8.6P50 11.8P75 15.9

ROE15.9

P25 6.7P50 11.7P75 17.1

ROICn/a

P25 1.3P50 7.7P75 16.1

Benchmarks · 1M

All BST/LID indicators

Market & fundamental data

Available fields

201

Groups with data

Currency

USD

Showing 201 of 201 available metrics for this ticker.

Profile and market data

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

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

Valuation

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

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

Profitability

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

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%

Growth

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

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

Financial statements

Income-statement and cash-flow amounts, totals and per share.

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

Financial strength

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

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

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	EUR -9.6B

Dividends and buybacks

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

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%

Performance and technicals

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

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%

Ownership and float

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

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

Deeper analysis on BST/LID

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

→

Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

→

Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Frequently asked questions

About this BST/LID report

Is a complete BST/LID research report available?

No complete published report is available for bst/LID (BST/LID) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

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