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STOCKS

Bread Financial Holdings (BFH)

NYSE:BFH

BFH

Bread Financial Holdings

RESEARCH TOOLSreports

Bread Financial Holdings (BFH) Ratios

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917 Followers

Bread Financial Holdings Ratios

BFH's free cash flow for Q4 2025 was $0.83. For the 2025 fiscal year, BFH's free cash flow was decreased by $ and operating cash flow was $0.04. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.27	0.27	0.29	13.15	0.29
Quick Ratio	0.27	0.27	0.29	16.72	0.29
Cash Ratio	0.25	0.25	0.26	13.15	0.27
Solvency Ratio	0.03	0.03	0.02	0.04	0.01
Operating Cash Flow Ratio	0.14	0.14	0.13	7.28	0.13
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	$ -15.39B	$ -15.39B	$ -15.81B	$ -16.63B	$ -18.99B
Leverage Ratios
Debt-to-Assets Ratio	0.19	0.19	0.25	0.24	0.32
Debt-to-Equity Ratio	1.32	1.32	1.86	1.86	3.59
Debt-to-Capital Ratio	0.57	0.57	0.65	0.65	0.78
Long-Term Debt-to-Capital Ratio	0.56	0.56	0.65	0.64	0.78
Financial Leverage Ratio	6.81	6.81	7.50	7.93	11.22
Debt Service Coverage Ratio	0.70	0.70	0.38	0.97	0.67
Interest Coverage Ratio	0.72	0.72	0.40	1.10	0.60
Debt to Market Cap	1.31	1.30	1.83	3.23	4.26
Interest Debt Per Share	116.86	116.86	133.97	126.89	173.07
Net Debt to EBITDA	1.14	1.14	4.26	1.71	10.27
Profitability Margins
Gross Profit Margin	63.33%	63.33%	50.88%	59.26%	52.05%
EBIT Margin	13.07%	13.07%	7.94%	18.71%	6.86%
EBITDA Margin	14.77%	14.77%	9.82%	20.95%	9.44%
Operating Profit Margin	13.07%	13.07%	7.94%	18.71%	6.86%
Pretax Profit Margin	13.07%	13.07%	7.94%	18.71%	6.86%
Net Profit Margin	11.02%	11.02%	5.77%	13.88%	5.10%
Continuous Operations Profit Margin	11.11%	11.11%	5.81%	14.24%	5.12%
Net Income Per EBT	84.36%	84.36%	72.70%	74.17%	74.33%
EBT Per EBIT	100.00%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	2.29%	2.29%	1.21%	3.10%	0.88%
Return on Equity (ROE)	16.09%	15.57%	9.08%	24.61%	9.85%
Return on Capital Employed (ROCE)	7.70%	7.70%	4.26%	4.23%	2.76%
Return on Invested Capital (ROIC)	6.54%	6.54%	3.12%	3.34%	2.06%
Return on Tangible Assets	2.36%	2.36%	1.25%	3.21%	0.91%
Earnings Yield	16.04%	15.58%	9.15%	43.77%	11.87%
Efficiency Ratios
Receivables Turnover	31.75	31.75	33.09	35.93	26.66
Payables Turnover	5.96	5.96	7.23	5.00	5.27
Inventory Turnover	0.00	0.00	0.00	-2.16	0.00
Fixed Asset Turnover	26.11	26.11	20.95	19.52	15.45
Asset Turnover	0.21	0.21	0.21	0.22	0.17
Working Capital Turnover Ratio	-0.46	-0.45	-0.47	-1.47	-3.82
Cash Conversion Cycle	-49.73	-49.73	-39.45	-231.56	-55.59
Days of Sales Outstanding	11.50	11.50	11.03	10.16	13.69
Days of Inventory Outstanding	0.00	0.00	0.00	-168.65	0.00
Days of Payables Outstanding	61.22	61.22	50.48	73.07	69.28
Operating Cycle	11.50	11.50	11.03	-158.49	13.69
Cash Flow Ratios
Operating Cash Flow Per Share	46.59	46.59	37.48	39.90	37.03
Free Cash Flow Per Share	46.41	46.59	37.48	39.90	35.67
CapEx Per Share	0.18	0.00	0.00	0.00	1.36
Free Cash Flow to Operating Cash Flow	1.00	1.00	1.00	1.00	0.96
Dividend Paid and CapEx Coverage Ratio	41.84	49.81	43.23	47.31	16.65
Capital Expenditure Coverage Ratio	261.50	0.00	0.00	0.00	27.18
Operating Cash Flow Coverage Ratio	0.48	0.48	0.33	0.37	0.23
Operating Cash Flow to Sales Ratio	0.45	0.45	0.39	0.38	0.42
Free Cash Flow Yield	63.53%	62.94%	61.38%	121.13%	94.72%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	6.24	6.42	10.93	2.28	8.43
Price-to-Sales (P/S) Ratio	0.70	0.71	0.63	0.32	0.43
Price-to-Book (P/B) Ratio	0.97	1.00	0.99	0.56	0.83
Price-to-Free Cash Flow (P/FCF) Ratio	1.57	1.59	1.63	0.83	1.06
Price-to-Operating Cash Flow Ratio	1.54	1.59	1.63	0.83	1.02
Price-to-Earnings Growth (PEG) Ratio	0.60	0.06	-0.18	0.01	-0.12
Price-to-Fair Value	0.97	1.00	0.99	0.56	0.83
Enterprise Value Multiple	5.86	5.93	10.69	3.22	14.82
Enterprise Value	4.07B	4.11B	5.03B	3.49B	6.12B
EV to EBITDA	5.86	5.93	10.69	3.22	14.82
EV to Sales	0.87	0.88	1.05	0.67	1.40
EV to Free Cash Flow	1.95	1.97	2.71	1.76	3.44
EV to Operating Cash Flow	1.95	1.97	2.71	1.76	3.31
Tangible Book Value Per Share	58.15	58.15	46.47	43.29	29.38
Shareholders’ Equity Per Share	74.10	74.10	61.51	58.59	45.39
Tax and Other Ratios
Effective Tax Rate	0.15	0.15	0.27	0.24	0.25
Revenue Per Share	104.65	104.65	96.73	103.90	87.64
Net Income Per Share	11.54	11.54	5.58	14.42	4.47
Tax Burden	0.84	0.84	0.73	0.74	0.74
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.25	0.25	0.19	0.17	0.18
Stock-Based Compensation to Revenue	0.01	0.01	0.01	<0.01	<0.01
Income Quality	4.04	4.04	6.71	2.77	8.29

Currency in USD