← BREAD FINANCIAL HOLDINGS, INC. BFH
Market Price
$113.22
Market Cap
$4.52B
P/E Ratio
10.40
Revenue (FY 2025)
↓-0.1% YoY
$4.06B
3-Yr CAGR: -1.0%
Net Income
↑87.0% YoY
$518.00M
Net Margin: 12.8%
Free Cash Flow
↑12.5% YoY
$2.02B
FCF Yield: 44.80%
EPS (Diluted)
↑98.4% YoY
$10.89
Basic: $11.07
Return on Equity
Efficiency
15.6%
ROA: 631.7%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (BFH)
All monetary values in millions ($M)
⚠️ YoY Data Quality Alert
- FY 2022: Revenue YoY (+20.0%) is identical to Gross Profit YoY (+20.0%). Verify the underlying Revenue and Gross Profit values for FY 2022 and FY 2021.
- FY 2023: Revenue YoY (+2.0%) is identical to Gross Profit YoY (+2.0%). Verify the underlying Revenue and Gross Profit values for FY 2023 and FY 2022.
- FY 2024: Revenue YoY (-4.7%) is identical to Gross Profit YoY (-4.7%). Verify the underlying Revenue and Gross Profit values for FY 2024 and FY 2023.
- FY 2025: Revenue YoY (-0.1%) is identical to Gross Profit YoY (-0.1%). Verify the underlying Revenue and Gross Profit values for FY 2025 and FY 2024.
| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $7,138.1M | — | $2,861.3M | $837.0M | — | $7.34 | — | $2,088.4M | $2,088.4M | — |
| FY 2017 | $7,719.4M | +8.1% | $3,449.5M | $1,081.1M | +29.2% | $14.10 | +92.1% | $2,609.6M | $2,609.6M | +25.0% |
| FY 2018 | $3,084.7M | -60.0% | $-1,136.2M | $1,223.7M | +13.2% | $17.49 | +24.0% | $2,754.9M | $2,754.9M | +5.6% |
| FY 2019 | $840.2M | -72.8% | $-1,847.6M | $278.0M | -77.3% | $5.46 | -68.8% | $1,217.7M | $1,217.7M | -55.8% |
| FY 2020 | $577.2M | -31.3% | $-1,500.1M | $213.7M | -23.1% | $4.46 | -18.3% | $1,882.7M | $1,882.7M | +54.6% |
| FY 2021 | $3,485.0M | +503.8% | $1,477.1M | $801.0M | +274.8% | $16.02 | +259.2% | $1,543.0M | $1,459.0M | -22.5% |
| FY 2022 | $4,181.0M | +20.0% | $1,772.1M | $223.0M | -72.2% | $4.46 | -72.2% | $1,848.0M | $1,780.0M | +22.0% |
| FY 2023 | $4,266.0M | +2.0% | $1,808.2M | $718.0M | +222.0% | $14.34 | +221.5% | $1,987.0M | $1,987.0M | +11.6% |
| FY 2024 | $4,064.0M | -4.7% | $1,722.5M | $277.0M | -61.4% | $5.49 | -61.7% | $1,859.0M | $1,859.0M | -6.4% |
| FY 2025 | $4,058.0M | -0.1% | $1,720.0M | $518.0M | +87.0% | $10.89 | +98.4% | $2,092.0M | $2,092.0M | +12.5% |
Valuation
Market Price
$113.22
Market Cap
$4.52B
Enterprise Value
$5.22B
P/E Ratio
10.40
P/B Ratio
1.38
FCF Yield
44.80%
Dividend Yield
0.76%
Shares Outstanding
Profitability & Margins
Gross Margin
42.39%
Operating Margin
12.86%
Net Margin
12.76%
Return on Equity (ROE)
15.57%
Return on Assets (ROA)
631.71%
Asset Turnover
49.49x
Revenue 3-Yr CAGR
-0.99%
Financial Health & Liquidity
Current Ratio
44.15
Cash Ratio
8.10
Debt / Equity
1.295
Debt / Assets
52.537
Cash & Equivalents
$3.60B
Total Debt
$4.31B
Book Value / Share
$82.34
Cash Flow Efficiency
Operating Cash Flow
$2.09B
Capital Expenditures (CapEx)
$68.00M
Free Cash Flow
$2.02B
OCF / Revenue
51.55%
FCF / Revenue
49.88%
FCF 3-Yr CAGR
5.53%
Per Share Metrics
EPS (Diluted)
$10.89
EPS (Basic)
$11.07
Dividends / Share
$0.86
Book Value / Share
$82.34
EPS YoY Growth
98.36%
Balance Sheet (FY 2025)
Total Assets
$82.00M
Total Liabilities
$19.34B
Stockholders' Equity
$3.33B
Current Assets
$19.63B
Current Liabilities
$444.70M