Bread Financial Inc. (BFH)
NYSE: BFH
· Real-Time Price · USD
59.73
-1.72 (-2.80%)
At close: Aug 15, 2025, 3:44 PM
Bread Financial Ratios and Metrics
Financials in USD. Fiscal
year is
January - December.
Fiscal Year | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 | Q3 2021 | Q2 2021 | Q1 2021 |
Period Ending | Jun 30, 2025 | Mar 31, 2025 | Dec 31, 2024 | Sep 30, 2024 | Jun 30, 2024 | Mar 31, 2024 | Dec 31, 2023 | Sep 30, 2023 | Jun 30, 2023 | Mar 31, 2023 | Dec 31, 2022 | Sep 30, 2022 | Jun 30, 2022 | Mar 31, 2022 | Dec 31, 2021 | Sep 30, 2021 | Jun 30, 2021 | Mar 31, 2021 |
PE Ratio | 4.80 | 4.45 | 108.16 | 295.59 | 4.23 | 3.32 | 9.44 | 2.50 | 8.19 | 0.83 | -3.51 | 2.92 | 38.45 | 3.34 | 47.09 | 4.47 | 3.77 | 3.88 |
PEG Ratio | 0.79 | 0.00 | 0.44 | -3 | -3.82 | 0.02 | -0.13 | 0.01 | -0.09 | -0.00 | 0.02 | 0.00 | -0.41 | 0.00 | -0.5 | -0.25 | -0.83 | 0.00 |
PS Ratio | 2.33 | 2.05 | 2.62 | 1.93 | 1.91 | 1.44 | 1.29 | 1.37 | 1.36 | 1.00 | 1.53 | 1.39 | 1.83 | 2.77 | 43.91 | 4.71 | 5.41 | 5.54 |
PB Ratio | n/a | 0.80 | 0.99 | 0.76 | 0.71 | 0.59 | 0.56 | 0.60 | 0.57 | 0.56 | 0.83 | 0.65 | 0.81 | 1.24 | 1.59 | 1.78 | 2.02 | 2.52 |
P/FCF Ratio | n/a | 6.24 | 6.32 | 4.91 | 4.80 | 4.14 | 2.59 | 2.76 | 4.67 | 3.92 | 3.90 | 2.62 | 8.28 | 5.87 | 10.70 | 8.89 | 21.37 | 8.80 |
P/OCF Ratio | n/a | 6.24 | 6.32 | 5.19 | 4.71 | 3.98 | 2.63 | 2.71 | 4.58 | 3.81 | 3.78 | 2.58 | 7.50 | 5.64 | 9.90 | 8.44 | 19.12 | 8.59 |
OCF/S Ratio | n/a | 0.33 | 0.41 | 0.37 | 0.40 | 0.36 | 0.49 | 0.50 | 0.30 | 0.26 | 0.40 | 0.54 | 0.24 | 0.49 | 4.44 | 0.56 | 0.28 | 0.64 |
Debt / Equity Ratio | n/a | 1.67 | 1.86 | 1.47 | 1.50 | 1.53 | 1.86 | 1.47 | 1.72 | 1.80 | 3.59 | 2.47 | 3.27 | 2.99 | 3.63 | 3.38 | 3.73 | 3.92 |
Quick Ratio | n/a | 0.32 | 6.39 | 0.27 | 1.77 | 1.06 | 10.82 | 4.51 | 1.93 | n/a | 11.98 | n/a | n/a | n/a | 0.36 | 17.40 | 16.95 | 16.75 |
Current Ratio | n/a | 0.32 | 6.39 | 0.27 | 1.77 | 1.06 | 8.51 | 4.51 | 1.93 | n/a | 10.43 | n/a | n/a | n/a | 1.69 | 17.58 | 17.10 | 16.90 |
Asset Turnover | n/a | 0.05 | 0.05 | 0.06 | 0.05 | 0.06 | 0.05 | 0.06 | 0.05 | 0.07 | 0.05 | 0.05 | 0.05 | 0.05 | 0.00 | 0.04 | 0.04 | 0.04 |
Interest Coverage | n/a | 0.88 | -0.12 | 0.17 | 0.75 | 0.76 | 0.08 | 1.03 | 0.42 | 2.93 | -1.07 | 1.42 | 0.17 | 3.82 | n/a | 4.21 | 4.73 | 4.70 |
Return on Equity | n/a | 0.04 | n/a | n/a | 0.04 | 0.04 | 0.01 | 0.06 | 0.02 | 0.17 | -0.06 | 0.06 | 0.01 | 0.09 | 0.01 | 0.10 | 0.13 | 0.16 |
Return on Assets | n/a | 0.01 | n/a | n/a | 0.01 | 0.01 | n/a | 0.01 | n/a | 0.02 | -0.01 | 0.01 | n/a | 0.01 | n/a | 0.01 | 0.01 | 0.01 |
Return on Invested Capital | n/a | -0.02 | n/a | n/a | 0.01 | 0.01 | 0.01 | 0.05 | 0.02 | 0.02 | -0.03 | 0.03 | n/a | 0.05 | n/a | 0.01 | 0.02 | 0.02 |
Dividend Yield | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
Payout Ratio | 0.07 | 0.09 | 1.57 | 5.00 | 0.08 | 0.08 | 0.23 | 0.06 | 0.21 | 0.02 | -0.08 | 0.07 | 1.00 | 0.05 | 0.63 | 0.04 | 0.04 | 0.04 |
Gross Profit Margin | n/a | 0.56 | 0.44 | 0.50 | 0.55 | 0.54 | 0.43 | 0.58 | 0.53 | 0.79 | 0.28 | 0.61 | 0.51 | 0.73 | 8.60 | 0.61 | 0.54 | 0.60 |
Net Profit Margin | 0.12 | 0.12 | 0.01 | 0.00 | 0.11 | 0.11 | 0.03 | 0.14 | 0.04 | 0.30 | -0.11 | 0.12 | 0.01 | 0.21 | 0.23 | 0.26 | 0.36 | 0.36 |
Pretax Profit Margin | 0.15 | 0.16 | -0.02 | 0.03 | 0.15 | 0.15 | 0.01 | 0.18 | 0.07 | 0.42 | -0.17 | 0.17 | 0.02 | 0.30 | -0.17 | 0.30 | 0.46 | 0.46 |
Operating Profit Margin | 0.15 | 0.16 | -0.02 | 0.03 | 0.15 | 0.15 | 0.01 | 0.18 | 0.07 | 0.42 | -0.17 | 0.17 | 0.02 | 0.30 | -0.17 | 0.45 | 0.62 | 0.63 |
FCF Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
EBITDA Margin | 0.15 | 0.18 | -0.00 | 0.05 | 0.17 | 0.17 | 0.03 | 0.20 | 0.10 | 0.44 | -0.14 | 0.19 | 0.05 | 0.32 | 0.17 | 0.38 | 0.53 | 0.53 |