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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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916 Followers

Bread Financial Holdings Ratios

BFH's free cash flow for Q3 2025 was $0.57. For the 2025 fiscal year, BFH's free cash flow was decreased by $ and operating cash flow was $0.17. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	1.46	0.29	13.15	0.29	1.69
Quick Ratio	1.46	0.29	16.72	0.29	0.29
Cash Ratio	0.26	0.27	13.15	0.27	0.26
Solvency Ratio	0.03	0.02	0.04	0.01	0.05
Operating Cash Flow Ratio	0.14	0.14	7.28	0.13	0.13
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.47
Net Current Asset Value	$ 967.00M	$ -15.85B	$ -16.63B	$ -18.99B	$ 197.00M
Leverage Ratios
Debt-to-Assets Ratio	0.19	0.25	0.24	0.32	0.35
Debt-to-Equity Ratio	1.29	1.86	1.86	3.59	3.63
Debt-to-Capital Ratio	0.56	0.65	0.65	0.78	0.78
Long-Term Debt-to-Capital Ratio	0.56	0.65	0.64	0.78	0.78
Financial Leverage Ratio	6.81	7.50	7.93	11.22	10.42
Debt Service Coverage Ratio	0.70	0.38	0.97	0.67	0.25
Interest Coverage Ratio	0.72	0.40	1.10	0.60	2.73
Debt to Market Cap	1.22	1.83	3.23	4.26	3.24
Interest Debt Per Share	114.97	133.97	126.89	173.07	160.08
Net Debt to EBITDA	1.01	4.26	1.71	10.27	3.88
Profitability Margins
Gross Profit Margin	63.33%	50.88%	59.26%	52.05%	63.06%
EBIT Margin	13.07%	7.94%	18.71%	6.86%	31.93%
EBITDA Margin	14.77%	9.82%	20.95%	9.44%	35.69%
Operating Profit Margin	13.07%	7.94%	18.71%	6.86%	31.93%
Pretax Profit Margin	13.07%	7.94%	18.71%	6.86%	31.93%
Net Profit Margin	11.02%	5.77%	13.88%	5.10%	24.50%
Continuous Operations Profit Margin	11.11%	5.81%	14.24%	5.12%	24.37%
Net Income Per EBT	84.36%	72.70%	74.17%	74.33%	76.72%
EBT Per EBIT	100.00%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	2.29%	1.21%	3.10%	0.88%	3.68%
Return on Equity (ROE)	16.09%	9.08%	24.61%	9.85%	38.40%
Return on Capital Employed (ROCE)	7.02%	4.15%	4.23%	2.76%	10.46%
Return on Invested Capital (ROIC)	6.96%	3.04%	3.34%	2.06%	6.01%
Return on Tangible Assets	2.36%	1.25%	3.21%	0.91%	3.80%
Earnings Yield	14.95%	9.15%	43.77%	11.87%	24.21%
Efficiency Ratios
Receivables Turnover	0.28	33.09	35.93	26.66	21.66
Payables Turnover	0.00	7.23	5.00	5.27	5.47
Inventory Turnover	0.00	0.00	-2.16	0.00	0.10
Fixed Asset Turnover	40.16	20.95	19.52	15.45	10.48
Asset Turnover	0.21	0.21	0.22	0.17	0.15
Working Capital Turnover Ratio	0.90	-1.50	-1.47	-3.82	0.26
Cash Conversion Cycle	1.30K	-39.45	-231.56	-55.59	3.72K
Days of Sales Outstanding	1.30K	11.03	10.16	13.69	16.85
Days of Inventory Outstanding	0.00	0.00	-168.65	0.00	3.77K
Days of Payables Outstanding	0.00	50.48	73.07	69.28	66.68
Operating Cycle	1.30K	11.03	-158.49	13.69	3.78K
Cash Flow Ratios
Operating Cash Flow Per Share	44.61	37.48	39.90	37.03	31.05
Free Cash Flow Per Share	44.43	37.48	39.90	35.67	29.36
CapEx Per Share	0.18	0.00	0.00	1.36	1.69
Free Cash Flow to Operating Cash Flow	1.00	1.00	1.00	0.96	0.95
Dividend Paid and CapEx Coverage Ratio	40.06	43.23	47.31	16.65	12.25
Capital Expenditure Coverage Ratio	250.38	0.00	0.00	27.18	18.37
Operating Cash Flow Coverage Ratio	0.46	0.33	0.37	0.23	0.20
Operating Cash Flow to Sales Ratio	0.43	0.39	0.38	0.42	0.47
Free Cash Flow Yield	56.71%	61.38%	121.13%	94.72%	44.10%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	6.69	10.93	2.28	8.43	4.13
Price-to-Sales (P/S) Ratio	0.75	0.63	0.32	0.43	1.01
Price-to-Book (P/B) Ratio	1.04	0.99	0.56	0.83	1.59
Price-to-Free Cash Flow (P/FCF) Ratio	1.76	1.63	0.83	1.06	2.27
Price-to-Operating Cash Flow Ratio	1.73	1.63	0.83	1.02	2.14
Price-to-Earnings Growth (PEG) Ratio	0.64	-0.18	0.01	-0.12	0.02
Price-to-Fair Value	1.04	0.99	0.56	0.83	1.59
Enterprise Value Multiple	6.08	10.69	3.22	14.82	6.71
Enterprise Value	4.22B	5.03B	3.49B	6.12B	7.84B
EV to EBITDA	6.08	10.69	3.22	14.82	6.71
EV to Sales	0.90	1.05	0.67	1.40	2.40
EV to Free Cash Flow	2.12	2.71	1.76	3.44	5.37
EV to Operating Cash Flow	2.11	2.71	1.76	3.31	5.08
Tangible Book Value Per Share	58.15	46.47	43.29	29.38	28.15
Shareholders’ Equity Per Share	74.10	61.51	58.59	45.39	41.97
Tax and Other Ratios
Effective Tax Rate	0.15	0.27	0.24	0.25	0.24
Revenue Per Share	104.65	96.73	103.90	87.64	65.79
Net Income Per Share	11.54	5.58	14.42	4.47	16.12
Tax Burden	0.84	0.73	0.74	0.74	0.77
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	0.19	0.17	0.18	0.21
Stock-Based Compensation to Revenue	<0.01	0.01	<0.01	<0.01	<0.01
Income Quality	4.25	6.71	2.77	8.29	1.93

Currency in USD