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BREAD FINANCIAL HOLDINGS, INC. BFH

Rank #186 · NYSE · $4.2B market cap
Audited by Deloitte & Touche LLP, no going-concern flag in the latest filing.
Score
73.9
P/E
5.8
P/B
1.84
ROE
31.7%
Op. Margin
–%
Debt Ratio
876%

Health Check — percentile rank within this universe, based on the latest annual filing

Valuation ★★★★☆
Excellent

P/E 5.8x, P/B 1.84x. Ranks in the top 17% of the universe.

Profitability ★★★★☆
Excellent

ROE 31.7%. Ranks in the top 14% of the universe.

Safety ★☆☆☆☆
Poor

Debt ratio 876%. Ranks in the top 88% of the universe. Above 200% signals meaningful leverage risk.

Growth –
No data

Not enough historical filings to compute year-over-year growth yet.

Valuation is the relative strength · Safety is the relative weakness (relative to this universe).

Financials annual, from SEC 10-K filings

FYRevenueOp. IncomeNet IncomeEquityOp. Margin%Debt%
2011$2.0B$0.4B–$0.5B20.81507
2012$2.8B$0.6B–$0.3B22.53228
2013$3.2B$0.8B–$0.0B25.649674
2014$3.6B$1.0B$0.4B$0.2B26.87040
2015$4.3B$1.1B$0.5B$0.5B25.43336
2016$5.3B$1.1B$0.5B$0.9B20.72357
2017$6.4B$1.3B$0.6B$2.4B19.6995
2018$7.1B$1.3B$0.5B$2.0B17.71434
2019$5.5B$1.5B$0.8B$1.7B27.71692
2020$5.7B$1.8B$1.0B$1.9B31.01342
2021–$0.7B$0.3B$2.3B–902
2022––$0.2B$1.6B–1237
2023––$0.8B$1.5B–1520
2024––$0.2B$2.1B–969
2025––$0.7B$2.3B–876

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