Bread Financial Holdings Financial Ratios for Analysis 2009-2024 | BFH

Prices Financials Revenue & Profit Assets & Liabilities Margins Price Ratios Other Ratios Other Metrics

Income Statement Balance Sheet Cash Flow Stmt Key Financial Ratios

Fifteen years of historical annual and quarterly financial ratios and margins for Bread Financial Holdings (BFH).

Annual Data

Metric Name
Current Ratio
Long-term Debt / Capital
Debt/Equity Ratio
Gross Margin
Operating Margin
EBIT Margin
EBITDA Margin
Pre-Tax Profit Margin
Net Profit Margin
Asset Turnover
Inventory Turnover Ratio
Receiveable Turnover
Days Sales In Receivables
ROE - Return On Equity
Return On Tangible Equity
ROA - Return On Assets
ROI - Return On Investment
Book Value Per Share
Operating Cash Flow Per Share
Free Cash Flow Per Share

2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009
1.18	1.14	1.13	1.13	2.03	2.15	2.43	2.12	2.54	2.19	2.30	1.81	1.71	1.59	1.11
0.32	0.46	0.49	0.65	0.88	0.87	0.91	0.89	0.86	0.81	0.89	0.92	0.94	0.99	0.90
1.81	3.54	3.57	5.60	14.03	10.79	13.92	12.63	8.51	5.92	11.93	17.44	20.10	118	11.90
100.00	100.00	100.00	100.00	100.00	55.23	54.89	40.08	40.77	39.30	40.98	42.15	42.90	44.64	31.06
81.49	75.24	74.95	77.40	78.20	31.01	27.73	17.73	19.59	20.71	25.44	26.76	25.61	22.54	20.76
81.49	75.24	74.95	77.40	78.20	31.01	27.73	17.73	19.59	20.71	25.44	26.76	25.61	22.54	20.76
86.23	80.39	81.23	85.15	89.57	40.45	37.62	25.39	27.73	27.07	32.56	34.29	33.31	30.04	30.71
19.60	6.93	28.64	7.93	14.12	21.44	19.41	11.73	14.47	15.80	18.37	18.75	16.20	11.14	13.39
14.54	5.15	21.98	5.64	5.74	17.00	14.41	7.23	8.56	9.27	11.49	11.60	9.94	6.94	7.32
0.21	0.17	0.17	0.17	0.18	0.19	0.18	0.28	0.29	0.26	0.33	0.30	0.35	0.34	0.38
-	-	-	-	-	10.23	10.55	15.76	16.73	-	-	-	-	-	-
0.29	0.23	0.23	0.26	0.25	0.33	0.30	0.44	0.47	0.46	0.51	0.50	0.58	0.55	1.73
1,257	1,594	1,559	1,420	1,459	1,109	1,221	838	780	786	715	736	632	667	212
25.26	9.89	38.21	13.67	31.86	40.54	41.46	31.21	30.12	21.54	57.98	79.90	179	847	64.79
34.18	15.28	56.97	25.65	105	81.52	-27.22	-16.45	-20.13	-17.29	-37.02	-23.39	-19.03	-12.93	-14.60
3.18	0.88	3.67	0.92	1.91	3.11	2.51	2.03	2.71	2.55	3.75	3.52	3.51	2.37	3.38
17.09	5.39	19.57	4.81	3.67	5.22	3.88	3.34	4.11	4.08	6.10	6.63	10.33	9.53	6.56
59.19	45.39	41.89	30.62	33.37	43.67	33.49	28.89	33.06	37.55	16.60	10.65	3.53	0.45	5.23
39.74	36.96	30.86	39.31	23.93	50.00	46.50	36.12	28.25	21.54	15.01	17.68	17.50	16.20	6.21
38.78	35.52	29.26	38.18	21.14	46.37	42.46	32.60	25.17	19.00	12.98	15.87	16.22	14.97	5.29

Quarterly Data

Metric Name
Current Ratio
Long-term Debt / Capital
Debt/Equity Ratio
Gross Margin
Operating Margin
EBIT Margin
EBITDA Margin
Pre-Tax Profit Margin
Net Profit Margin
Asset Turnover
Inventory Turnover Ratio
Receiveable Turnover
Days Sales In Receivables
ROE - Return On Equity
Return On Tangible Equity
ROA - Return On Assets
ROI - Return On Investment
Book Value Per Share
Operating Cash Flow Per Share
Free Cash Flow Per Share

2024-06-30	2024-03-31	2023-12-31	2023-09-30	2023-06-30	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-03-31	2014-12-31	2014-09-30	2014-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-12-31	2010-09-30	2010-06-30	2010-03-31	2009-12-31	2009-09-30	2009-06-30	2009-03-31
1.19	1.18	1.18	1.18	1.17	1.20	1.14	1.19	1.14	1.16	1.13	1.50	1.79	1.70	1.13	1.74	1.81	2.02	2.03	2.10	2.67	2.55	2.15	2.41	2.14	2.14	2.43	2.11	2.25	2.09	2.12	2.37	2.23	2.44	2.54	2.36	2.20	2.08	2.19	2.12	2.35	2.51	2.30	2.60	2.02	1.80	1.81	1.67	1.92	1.85	1.71	1.48	1.76	1.37	1.59	2.03	2.65	2.32	1.11	1.30	1.09	1.01
0.29	0.30	0.32	0.32	0.33	0.41	0.46	0.44	0.46	0.46	0.49	0.74	0.80	0.82	0.65	0.86	0.89	0.91	0.88	0.90	0.88	0.88	0.87	0.88	0.88	0.89	0.91	0.91	0.91	0.91	0.89	0.88	0.88	0.88	0.86	0.85	0.84	0.84	0.81	0.88	0.89	0.89	0.89	0.91	0.83	0.84	0.92	0.84	0.90	0.91	0.94	0.95	0.97	0.96	0.99	0.98	0.98	1.02	0.90	0.91	0.88	0.80
1.50	1.53	1.81	1.47	1.72	1.80	3.54	2.47	3.27	2.99	3.57	7.66	8.29	9.40	5.60	13.08	16.83	19.14	14.03	14.86	10.49	10.69	10.79	10.75	11.38	12.34	13.92	14.74	15.24	15.16	12.63	10.84	10.74	10.30	8.51	7.85	7.48	7.41	5.92	10.31	10.86	10.32	11.93	12.62	8.80	8.35	17.44	8.69	11.31	12.66	20.10	24.81	36.60	55.69	118	63.29	83.72	-56.04	11.90	12.87	9.77	6.20
100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	100.00	483	54.05	49.68	63.87	449	52.18	51.44	51.99	52.35	54.04	57.52	57.18	-371.84	44.23	44.32	44.54	34.37	44.55	41.22	40.11	41.29	43.30	40.25	38.17	39.72	41.82	38.08	37.35	40.31	42.69	39.76	41.11	40.96	45.20	41.55	40.90	41.11	43.54	41.76	45.37	41.72	45.16	46.44	45.59	30.45	32.17	28.63	32.99
77.45	78.69	76.87	78.48	74.76	95.07	76.00	75.27	72.57	76.90	73.98	76.01	74.65	75.14	599	27.70	17.84	11.87	470	21.16	25.01	26.75	34.72	33.72	28.39	26.95	-242.02	25.04	19.29	18.75	9.83	22.33	18.33	20.54	20.82	18.09	19.04	20.27	14.30	24.38	22.33	22.86	21.89	26.34	26.18	27.65	22.30	29.02	27.76	28.33	21.39	26.95	25.90	28.62	18.61	24.20	23.95	23.84	24.18	19.43	17.61	21.20
77.45	78.69	76.87	78.48	74.76	95.07	76.00	75.27	72.57	76.90	73.98	76.01	74.65	75.14	599	27.70	17.84	11.87	470	21.16	25.01	26.75	34.72	33.72	28.39	26.95	-242.02	25.04	19.29	18.75	9.83	22.33	18.33	20.54	20.82	18.09	19.04	20.27	14.30	24.38	22.33	22.86	21.89	26.34	26.18	27.65	22.30	29.02	27.76	28.33	21.39	26.95	25.90	28.62	18.61	24.20	23.95	23.84	24.18	19.43	17.61	21.20
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
15.32	15.17	1.52	18.00	7.43	49.96	-16.84	17.00	1.62	30.20	6.88	27.49	40.97	40.37	13.67	16.74	4.80	1.84	16.03	11.42	14.37	15.96	25.15	24.10	18.83	17.41	-207.80	17.44	11.74	12.09	3.39	16.58	12.40	14.65	15.71	12.93	13.66	15.39	9.70	19.72	17.36	17.36	16.15	19.59	18.06	19.81	14.24	20.86	19.33	20.97	12.66	18.15	15.26	18.97	9.66	12.23	11.43	11.38	16.70	11.42	10.16	14.67
11.32	10.82	3.51	13.68	4.15	35.63	-10.82	12.05	1.21	21.00	1.83	23.78	31.71	31.46	3.19	12.69	3.92	2.17	15.75	-7.55	10.31	11.18	19.45	20.83	15.59	11.86	-195.96	12.19	7.56	7.79	5.14	11.00	4.18	8.42	7.39	8.08	8.75	10.15	3.53	12.45	10.86	11.14	10.33	12.12	11.33	12.24	8.61	13.12	11.98	12.92	7.78	11.12	9.32	11.67	6.18	7.55	7.07	7.03	7.45	9.51	6.43	5.81
0.05	0.06	0.05	0.06	0.05	0.06	0.05	0.05	0.05	0.05	0.04	0.04	0.04	0.04	0.02	0.05	0.04	0.06	0.02	0.05	0.04	0.05	0.05	0.05	0.05	0.05	0.00	0.07	0.07	0.08	0.07	0.08	0.08	0.07	0.08	0.08	0.08	0.08	0.07	0.09	0.09	0.09	0.09	0.09	0.09	0.09	0.08	0.09	0.09	0.10	0.09	0.10	0.09	0.09	0.09	0.09	0.08	0.08	0.10	0.10	0.10	0.11
-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	2.38	2.54	2.64	-	2.75	2.68	2.64	2.81	2.46	2.55	2.31	-2.79	4.15	4.12	4.25	4.42	3.76	4.56	4.18	4.50	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-	-
-	-	-	-	-	-	0.07	-	-	-	0.06	0.07	0.06	0.06	0.03	0.08	0.07	0.09	0.03	0.08	0.08	0.08	0.09	0.08	0.08	0.08	-0.01	0.12	0.11	0.12	0.11	0.13	0.13	0.13	0.13	0.14	0.13	0.15	0.13	0.14	0.15	0.15	0.13	0.15	0.14	0.15	0.13	0.14	0.15	0.17	0.15	0.18	0.16	0.16	0.15	0.15	0.14	0.14	0.48	0.49	0.52	0.55
-	-	-	-	-	-	1,384	-	-	-	1,506	1,377	1,506	1,391	3,451	1,190	1,300	1,038	2,971	1,084	1,137	1,092	1,058	1,086	1,126	1,130	-11,902.64	761	788	740	807	689	714	717	708	667	673	602	692	630	601	583	668	606	623	588	680	634	581	528	584	510	580	560	607	598	635	637	188	184	175	164
4.20	4.45	1.54	6.04	2.34	16.75	-5.87	5.59	0.53	9.30	2.88	9.17	12.84	15.19	0.41	10.08	3.33	2.76	4.02	8.12	5.95	7.96	11.00	12.60	10.56	8.82	13.58	14.63	9.66	10.74	0.63	11.63	8.13	9.13	8.97	6.69	6.64	8.62	3.18	15.26	14.69	14.29	13.77	18.68	20.05	21.34	15.83	24.27	28.76	39.25	37.45	64.36	79.22	169	210	116	136	-87.11	21.98	19.50	10.97	10.40
5.48	5.92	2.09	8.27	3.27	23.62	-9.07	7.84	0.76	13.30	4.29	24.56	42.49	79.22	0.78	50.51	38.13	105	13.29	31.57	11.52	16.20	22.11	-13.31	-9.30	-6.71	-8.92	-7.54	-4.17	-4.33	-0.33	-6.63	-4.35	-4.82	-5.99	-4.13	-4.07	-5.02	-2.55	-8.60	-6.49	-6.21	-8.79	-8.74	-6.95	-7.62	-4.63	-8.73	-7.23	-7.54	-3.98	-5.53	-3.83	-5.84	-3.21	-3.54	-3.36	-3.06	-4.96	-3.81	-2.45	-4.32
0.60	0.61	0.19	0.80	0.30	2.07	-0.52	0.61	0.06	1.01	0.28	0.93	1.21	1.27	0.03	0.63	0.17	0.12	0.24	0.45	0.46	0.61	0.84	0.97	0.77	0.60	0.82	0.84	0.54	0.59	0.04	0.88	0.62	0.71	0.81	0.64	0.67	0.87	0.38	1.09	0.98	0.99	0.89	1.11	0.98	1.08	0.70	1.15	1.06	1.29	0.73	1.07	0.81	1.08	0.59	0.65	0.59	0.59	1.15	0.93	0.65	0.96
2.98	3.12	1.04	4.08	1.56	9.92	-3.20	3.11	0.28	4.99	1.47	2.42	2.53	2.79	0.15	1.38	0.36	0.24	0.46	0.84	0.74	0.99	1.42	1.51	1.28	1.00	1.27	1.39	0.85	0.99	0.07	1.34	0.97	1.08	1.22	1.00	1.06	1.41	0.60	1.87	1.59	1.55	1.45	1.69	3.37	3.42	1.31	3.98	2.88	3.42	2.16	3.14	2.38	6.02	2.37	2.38	2.10	1.93	2.22	1.71	1.26	2.08
63.78	61.13	59.19	58.09	54.61	54.21	45.39	48.17	45.68	45.54	41.89	45.09	41.21	35.50	30.62	27.73	24.21	22.85	33.37	32.47	46.99	42.82	43.67	41.96	38.53	36.06	33.49	28.82	25.67	24.44	28.89	30.86	29.52	29.51	33.06	31.87	31.74	30.77	37.55	18.19	17.53	17.39	16.60	14.62	11.92	12.18	10.65	9.85	7.23	5.83	3.53	2.91	1.71	0.99	0.45	0.87	0.65	-1.02	5.23	4.43	4.83	7.00
18.41	8.99	39.74	27.35	14.73	7.94	36.96	27.07	14.89	9.94	30.86	24.16	14.66	10.38	39.31	31.14	22.38	12.00	23.93	30.36	20.72	11.48	50.00	36.83	23.86	11.67	46.50	31.63	18.33	8.33	36.12	23.20	12.79	4.65	28.25	16.69	9.05	2.75	21.54	16.16	9.38	5.04	15.01	12.10	7.78	4.14	17.68	13.25	6.55	3.87	17.50	13.02	7.01	3.80	16.20	12.56	7.86	3.73	6.21	5.55	3.69	1.15
17.89	8.65	38.78	26.81	14.39	7.72	35.52	25.91	13.95	9.48	29.26	22.98	13.96	10.14	38.18	30.35	21.83	11.67	21.14	28.00	18.96	10.75	46.37	34.11	22.08	10.87	42.46	28.46	16.23	7.50	32.60	20.49	10.97	3.74	25.17	14.42	7.64	2.08	19.00	14.24	8.15	4.38	12.98	10.71	6.92	3.72	15.87	12.07	5.68	3.37	16.22	12.19	6.43	3.46	14.97	11.68	7.30	3.45	5.29	4.83	3.27	0.97