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Bread Financial Holdings (BFH) Ratios
Bread Financial Holdings Ratios
BFH's free cash flow for Q3 2026 was $601.00M. For the 2026 fiscal year, BFH's free cash flow was increased by $0.00 and operating cash flow was $601.00M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.27 | 0.29 | 13.15 | 0.29 | 1.69 |
| Quick Ratio | 0.27 | 0.29 | 16.72 | 0.29 | 0.29 |
| Cash Ratio | 0.25 | 0.26 | 13.15 | 0.27 | 0.26 |
| Solvency Ratio | 0.03 | 0.02 | 0.04 | 0.01 | 0.05 |
| Operating Cash Flow Ratio | 0.14 | 0.13 | 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 | $ -15.39B | $ -15.81B | $ -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 | 1.32 | 1.86 | 1.86 | 3.59 | 3.63 |
| Debt-to-Capital Ratio | 0.57 | 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 | 1.30 | 1.83 | 3.23 | 4.26 | 3.24 |
| Interest Debt Per Share | 116.86 | 133.97 | 126.89 | 173.07 | 160.08 |
| Net Debt to EBITDA | 1.14 | 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) | 15.57% | 9.08% | 24.61% | 9.85% | 38.40% |
| Return on Capital Employed (ROCE) | 7.70% | 4.26% | 4.23% | 2.76% | 10.46% |
| Return on Invested Capital (ROIC) | 6.54% | 3.12% | 3.34% | 2.06% | 6.01% |
| Return on Tangible Assets | 2.36% | 1.25% | 3.21% | 0.91% | 3.80% |
| Earnings Yield | 15.58% | 9.15% | 43.77% | 11.87% | 24.21% |
| Efficiency Ratios | |||||
| Receivables Turnover | 31.75 | 33.09 | 35.93 | 26.66 | 21.66 |
| Payables Turnover | 5.96 | 7.23 | 5.00 | 5.27 | 5.47 |
| Inventory Turnover | 0.00 | 0.00 | -2.16 | 0.00 | 0.10 |
| Fixed Asset Turnover | 26.11 | 20.95 | 19.52 | 15.45 | 10.48 |
| Asset Turnover | 0.21 | 0.21 | 0.22 | 0.17 | 0.15 |
| Working Capital Turnover Ratio | -0.45 | -0.47 | -1.47 | -3.82 | 0.26 |
| Cash Conversion Cycle | -49.73 | -39.45 | -231.56 | -55.59 | 3717.95 |
| Days of Sales Outstanding | 11.50 | 11.03 | 10.16 | 13.69 | 16.85 |
| Days of Inventory Outstanding | 0.00 | 0.00 | -168.65 | 0.00 | 3767.77 |
| Days of Payables Outstanding | 61.22 | 50.48 | 73.07 | 69.28 | 66.68 |
| Operating Cycle | 11.50 | 11.03 | -158.49 | 13.69 | 3784.63 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 46.59 | 37.48 | 39.90 | 37.03 | 31.05 |
| Free Cash Flow Per Share | 46.59 | 37.48 | 39.90 | 35.67 | 29.36 |
| Dividend Paid and CapEx Coverage Ratio | 49.81 | 43.23 | 47.31 | 16.65 | 12.25 |
| Capital Expenditure Coverage Ratio | 0.00 | 0.00 | 0.00 | 27.18 | 18.37 |
| Operating Cash Flow Coverage Ratio | 0.48 | 0.33 | 0.37 | 0.23 | 0.20 |
| Operating Cash Flow to Sales Ratio | 0.45 | 0.39 | 0.38 | 0.42 | 0.47 |
| Free Cash Flow Yield | 62.94% | 61.38% | 121.13% | 94.72% | 44.10% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 6.65 | 10.93 | 2.28 | 8.43 | 4.13 |
| Price-to-Sales (P/S) Ratio | 0.71 | 0.63 | 0.32 | 0.43 | 1.01 |
| Price-to-Book (P/B) Ratio | 1.00 | 0.99 | 0.56 | 0.83 | 1.59 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 1.59 | 1.63 | 0.83 | 1.06 | 2.27 |
| Price-to-Operating Cash Flow Ratio | 1.59 | 1.63 | 0.83 | 1.02 | 2.14 |
| Price-to-Earnings Growth (PEG) Ratio | 0.07 | -0.18 | 0.01 | -0.12 | 0.02 |
| Enterprise Value Multiple | 5.93 | 10.69 | 3.22 | 14.82 | 6.71 |
| Enterprise Value | 4.11B | 5.03B | 3.49B | 6.12B | 7.84B |
| EV to EBITDA | 5.93 | 10.69 | 3.22 | 14.82 | 6.71 |
| EV to Sales | 0.88 | 1.05 | 0.67 | 1.40 | 2.40 |
| EV to Free Cash Flow | 1.97 | 2.71 | 1.76 | 3.44 | 5.37 |
| EV to Operating Cash Flow | 1.97 | 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 | 0.28 | 0.22 | 0.17 | 0.18 | 0.21 |
| Stock-Based Compensation to Revenue | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Income Quality | 4.04 | 6.71 | 2.77 | 8.29 | 1.93 |
Currency in USD