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STOCKS

Bread Financial Holdings (BFH)

NYSE:BFH

BFH

Bread Financial Holdings

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Bread Financial Holdings (BFH) Ratios

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898 Followers

Bread Financial Holdings Ratios

BFH's free cash flow for Q1 2025 was $0.56. For the 2025 fiscal year, BFH's free cash flow was decreased by $ and operating cash flow was $0.16. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.00	13.15	10.43	1.69	18.48
Quick Ratio	0.00	13.15	11.98	0.29	18.31
Cash Ratio	0.00	13.15	9.78	0.26	3.07
Solvency Ratio	0.02	0.04	0.01	0.05	0.02
Operating Cash Flow Ratio	0.00	7.28	4.64	0.13	1.88
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	-0.17
Net Current Asset Value	$ -15.10B	$ -16.63B	$ -18.99B	$ 197.00M	$ -2.47B
Leverage Ratios
Debt-to-Assets Ratio	0.00	0.24	0.32	0.35	0.39
Debt-to-Equity Ratio	0.00	1.86	3.59	3.63	5.79
Debt-to-Capital Ratio	0.00	0.65	0.78	0.78	0.85
Long-Term Debt-to-Capital Ratio	0.00	0.64	0.43	0.78	0.66
Financial Leverage Ratio	7.30	7.93	11.22	10.42	14.82
Debt Service Coverage Ratio	0.40	0.97	-0.15	2.32	-0.03
Interest Coverage Ratio	0.42	1.10	1.59	2.73	3.64
Debt to Market Cap	0.00	3.23	0.93	2.25	-2.83
Interest Debt Per Share	19.12	126.89	173.07	160.08	186.70
Net Debt to EBITDA	-8.81	1.71	0.00	3.99	14.09
Profitability Margins
Gross Profit Margin	51.43%	59.26%	100.00%	51.31%	40.79%
EBIT Margin	8.20%	18.71%	-2.92%	31.91%	6.66%
EBITDA Margin	10.05%	20.95%	0.00%	34.72%	9.00%
Operating Profit Margin	8.20%	18.71%	20.72%	31.91%	8.73%
Pretax Profit Margin	8.20%	18.71%	7.75%	31.91%	8.73%
Net Profit Margin	5.89%	13.88%	5.76%	24.48%	6.52%
Continuous Operations Profit Margin	5.99%	14.24%	5.79%	24.36%	4.60%
Net Income Per EBT	71.79%	74.17%	74.33%	76.72%	74.78%
EBT Per EBIT	100.00%	100.00%	37.41%	100.00%	100.00%
Return on Assets (ROA)	1.25%	3.10%	0.88%	3.68%	1.31%
Return on Equity (ROE)	9.03%	24.61%	9.85%	38.40%	19.39%
Return on Capital Employed (ROCE)	1.74%	4.23%	3.21%	10.46%	1.83%
Return on Invested Capital (ROIC)	5.61%	3.34%	11.83%	7.99%	2.79%
Return on Tangible Assets	1.29%	3.21%	0.91%	3.80%	1.40%
Earnings Yield	10.57%	43.77%	11.87%	24.21%	10.44%
Efficiency Ratios
Receivables Turnover	0.00	0.00	0.00	21.67	39.66
Payables Turnover	0.00	5.00	0.00	5.47	7.56
Inventory Turnover	0.00	0.00	0.00	0.10	16.29
Fixed Asset Turnover	35.74	19.52	13.67	10.49	19.39
Asset Turnover	0.21	0.22	0.15	0.15	0.20
Working Capital Turnover Ratio	1.30	1.46	0.65	0.26	0.23
Cash Conversion Cycle	0.00	-73.07	0.00	3.72K	-16.66
Days of Sales Outstanding	0.00	0.00	0.00	16.84	9.20
Days of Inventory Outstanding	0.00	0.00	0.00	3.77K	22.40
Days of Payables Outstanding	0.00	73.07	0.00	66.68	48.27
Operating Cycle	0.00	0.00	0.00	3.78K	31.61
Cash Flow Ratios
Operating Cash Flow Per Share	36.84	39.90	37.03	31.05	39.39
Free Cash Flow Per Share	37.18	39.90	35.67	29.36	38.26
CapEx Per Share	0.35	0.00	1.36	1.69	1.13
Free Cash Flow to Operating Cash Flow	1.01	1.00	0.96	0.95	0.97
Dividend Paid and CapEx Coverage Ratio	29.59	47.31	16.65	12.25	16.37
Capital Expenditure Coverage Ratio	106.18	0.00	27.18	18.37	34.86
Operating Cash Flow Coverage Ratio	0.00	0.37	0.23	0.20	0.21
Operating Cash Flow to Sales Ratio	0.38	0.38	0.48	0.47	0.42
Free Cash Flow Yield	72.39%	121.13%	94.72%	44.10%	64.72%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	9.46	2.28	8.43	4.13	9.58
Price-to-Sales (P/S) Ratio	0.53	0.32	0.49	1.01	0.62
Price-to-Book (P/B) Ratio	0.86	0.56	0.83	1.59	1.86
Price-to-Free Cash Flow (P/FCF) Ratio	1.38	0.83	1.06	2.27	1.55
Price-to-Operating Cash Flow Ratio	1.47	0.83	1.02	2.14	1.50
Price-to-Earnings Growth (PEG) Ratio	5.27	0.01	-0.12	0.03	-0.21
Price-to-Fair Value	0.86	0.56	0.83	1.59	1.86
Enterprise Value Multiple	-3.55	3.22	0.00	6.90	21.03
Enterprise Value	-1.70B	3.49B	6.12B	7.84B	8.56B
EV to EBITDA	-3.55	3.22	0.00	6.90	21.03
EV to Sales	-0.36	0.67	1.58	2.39	1.89
EV to Free Cash Flow	-0.93	1.76	3.44	5.37	4.68
EV to Operating Cash Flow	-0.94	1.76	3.31	5.08	4.55
Tangible Book Value Per Share	62.61	43.29	29.38	28.15	1.47
Shareholders’ Equity Per Share	62.61	58.59	45.39	41.97	31.83
Tax and Other Ratios
Effective Tax Rate	0.27	0.24	0.25	0.24	0.25
Revenue Per Share	97.02	103.90	77.56	65.84	94.59
Net Income Per Share	5.71	14.42	4.47	16.12	6.17
Tax Burden	0.72	0.74	0.74	0.77	0.75
Interest Burden	1.00	1.00	-2.65	1.00	1.31
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.19	0.17	0.20	0.21	0.02
Stock-Based Compensation to Revenue	0.01	<0.01	<0.01	<0.01	<0.01
Income Quality	6.45	2.77	8.29	1.93	8.81

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