BVMF/A1LL34 (BVMF/A1LL34)

Brazil Stock Exchange: BVMF/A1LL34 · BRL

R$138

+1.29 (+0.9%)· Recorded snapshot

Market cap	21.4B
Revenue (ttm)	13.9B
Net income (ttm)	2.7B
EPS (ttm)	R$16.7
P/E (trailing)	8.3x
P/E (forward)	7.7x
Dividend	R$0.79 (0.58%)
Volume	43
Beta	1.18

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 13.9B
Net income (ttm): 2.7B
EPS (ttm): R$16.7
P/E (trailing): 8.3x
P/E (forward): 7.7x
Market cap: 21.4B

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-29 19:55 UTC

Forward P/E7.7

P25 n/aP50 n/aP75 n/a

Trailing P/E8.3

P25 n/aP50 n/aP75 n/a

ROE15.9

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All BVMF/A1LL34 indicators

Market & fundamental data

Available fields

204

Groups with data

Currency

USD

Showing 204 of 204 available metrics for this ticker.

Profile and market data

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

Metric	Value
Amount currency	BRL
Country	United States
Country code	BR
Earnings date	2026-10-22
Employees	6,000
Employees change	-1,000
Employees growth	-14.29%
Exchange	Brazil 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	BRA1LLBDR007
Last earnings date	2026-10-22
Last refreshed	2026-10-29
Market cap	BRL 21.4B
Next earnings date	2027-01-27
Price	BRL 137.62
Price currency	BRL
Sector	Financials
SIC code	6141
Stock price date	2026-10-27
Symbol	bvmf/A1LL34
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	12.11%
FCF yield	54.79%
Forward P/E	7.72x
Graham number	213.03988
Graham upside	54.8%
Lynch fair value	BRL 87.93
Lynch upside	-36.1%
P/B ratio	1.2x
P/E ratio	8.25x
P/FCF ratio	1.83x
P/OCF ratio	1.83x
P/S ratio	1.53x
Price / tangible book value	1.5x
Sector forward P/E	7.86x
Sector P/E	8.95x

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	BRL 454,968
Profitable quarters	15
Profitable years	24
Revenue per employee	BRL 2.3M
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	BRL 16.67
Financing cash flow	BRL 4B
Free cash flow	BRL 11.7B
Gross profit	BRL 13.9B
Income taxes	BRL 823.6M
Investing cash flow	BRL -13.1B
Net borrowing	BRL -3.8B
Net cash flow	BRL 2.2B
Net income	BRL 2.7B
Operating income	BRL 3.9B
Revenue	BRL 13.9B
Stock-based compensation	BRL 316M

Financial strength

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

Metric	Value
Book value per share	BRL 468.51
Debt / equity	0.91
Debt / FCF	1.39
Net cash (debt)	BRL 4.3B
Net cash / market cap	20.05%
Net debt / equity	-0.24
Net debt / FCF	-0.37
Piotroski F-Score	4
Property, plant and equipment	BRL 518.6M
Shareholders' equity	BRL 17.8B
Tangible book value	BRL 14.2B
Tangible book value per share	BRL 373.91
Total assets	BRL 120.6B
Total cash	BRL 20.5B
Total debt	BRL 16.2B
Total liabilities	BRL 102.8B
WACC	6.1%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	BRL -56.4B

Dividends and buybacks

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

Metric	Value
Buyback yield / dilution	13.28%
Dividend growth	9.06%
Dividend growth (3Y)	3.69%
Dividend growth (5Y)	1.9%
Dividend growth years	0
Dividend payment date	2026-12-21
Dividend payment years	7
Dividend payout frequency	Quarterly
Dividend per share	BRL 0.79
Dividend yield	0.58%
Ex-dividend date	2026-11-27
Last dividend	BRL 0.04
Payout ratio	9.31%
Shareholder yield	13.86%

Performance and technicals

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

Metric	Value
150-day SMA	BRL 113.90
1D price change	0.95%
1M price change	3.48%
1M total return	3.48%
1W price change	7.58%
1W total return	7.58%
1Y price change	56.6%
1Y return CAGR	57.88%
1Y total return	57.84%
20-day SMA	BRL 133.78
200-day SMA	BRL 106.15
3M price change	5.65%
3M total return	5.8%
3Y price change	295.57%
3Y return CAGR	59.93%
3Y total return	309.21%
50-day SMA	BRL 135.81
50-day SMA vs 200-day SMA	50over200
52-week high	BRL 148.50
52-week high date	2026-08-14
52-week low	BRL 80.56
52-week low date	2025-11-18
5Y price change	4.13%
5Y return CAGR	5.17%
5Y total return	28.66%
6M price change	24.91%
6M total return	25.3%
All-time high	BRL 167.20
All-time high date	2021-03-30
All-time low	BRL 29.43
All-time low date	2023-05-04
Average true range (ATR)	BRL 2.97
Average volume	67.2
Beta (5Y)	1.18
Change from 52-week high	-7.33%
Change from 52-week low	70.83%
Change from all-time high	-17.69%
Change from all-time low	367.62%
Change from open	0%
Day's gap	0.95%
Dollar volume	BRL 5,918
High price	BRL 137.62
Low price	BRL 137.62
Monthly RSI	67.59
Open price	BRL 137.62
Previous close	BRL 136.33
Price vs 150-day SMA	20.83%
Price vs 20-day SMA	2.87%
Price vs 200-day SMA	29.65%
Price vs 50-day SMA	1.33%
Relative volume	0.64
RSI	55.7
Sharpe ratio	1.44
Sharpe ratio (3Y)	0.88
Sharpe ratio (5Y)	0.47
Sortino ratio	2.19
Sortino ratio (3Y)	1.43
Sortino ratio (5Y)	0.82
Volume	43
Weekly RSI	62.63
YTD price change	34.66%
YTD total return	35.39%

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	107.92%
Short ratio	6.5 days

Deeper analysis on BVMF/A1LL34

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.

→

Risks

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

→

Earnings

Next earnings setup and beat / inline / miss thresholds.

→

Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

→

Financials

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

→

Peers

Relative valuation and profitability against the cohort.

→

Moat

Economic-profit evidence and competitive advantage risk.

→

Industry cycle

Sector phase, capital cycle, and secular tailwinds.

→

Frequently asked questions

About this BVMF/A1LL34 report

Is a complete BVMF/A1LL34 research report available?

No complete published report is available for bvmf/A1LL34 (BVMF/A1LL34) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

BVMF/A1LL34 (BVMF/A1LL34)

Price

Financial snapshot

Fair-value bridge

Latest news · BVMF/A1LL34

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All BVMF/A1LL34 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 BVMF/A1LL34

Frequently asked questions