BFH
VENTE TOTALE: 2 802 titres (~297 348,24 $ US)
- Insiders
- Lakhwara Praniti
- Total bought
- —
- Total sold
- $297,348
- Last activity
- 2026-07-28
- Last synced
-
2026-08-03 10:19:38
Insider holdings as a share of total assets aren't available for this company.
Price (1 year)
Live chart from TradingView - pulls its own market data, independent of this site's database. Symbol resolution is best-effort (defaults to NASDAQ) since we don't store the exchange prefix.
Market snapshot
Signal
Bearish signal Scored 2026-08-03
BFH presents a genuine earnings catalyst — a significant EPS beat and a massive institutional stake increase by Fifth Third Bancorp signal short-term momentum — but the structural liquidity profile is critically…
The first sentence of the analysis written for BFH on 2026-08-03 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 63.3% | 50.9% | 59.3% | 52.0% | 51.3% | |
| Ebit Margin | 13.1% | 7.9% | 18.7% | 6.9% | 31.9% | |
| Ebitda Margin | 14.8% | 9.8% | 21.0% | 9.4% | 35.7% | |
| Operating Profit Margin | 13.1% | 7.9% | 18.7% | 6.9% | 31.9% | |
| Pretax Profit Margin | 13.1% | 7.9% | 18.7% | 6.9% | 31.9% | |
| Continuous Operations Profit Margin | 11.1% | 5.8% | 14.2% | 5.1% | 24.4% | |
| Net Profit Margin | 11.0% | 5.8% | 13.9% | 5.1% | 24.5% | |
| Bottom Line Profit Margin | 11.0% | 5.8% | 13.9% | 5.1% | 24.5% | |
| Current Ratio | 0.269 | 0.289 | 0.269 | 0.282 | 1.659 | |
| Quick Ratio | 0.269 | 0.289 | 0.269 | 0.282 | 1.659 | |
| Solvency Ratio | 0.031 | 0.018 | 0.041 | 0.015 | 0.047 | |
| Cash Ratio | 0.245 | 0.264 | 0.246 | 0.262 | 0.255 | |
| Price To Earnings Ratio | 6.651 | 10.943 | 2.284 | 8.425 | 4.130 | |
| Price To Earnings Growth Ratio | 0.067 | -0.178 | 0.010 | -0.117 | 0.016 | |
| Forward Price To Earnings Growth Ratio | 0.067 | -0.178 | 0.010 | -0.117 | 0.016 | |
| Price To Earnings Diluted Ratio | 6.755 | 11.102 | 2.294 | 8.444 | 4.155 | |
| Price To Earnings Diluted Growth Ratio | 0.068 | -0.180 | 0.010 | -0.117 | 0.016 | |
| Price To Book Ratio | 0.999 | 0.993 | 0.562 | 0.830 | 1.586 | |
| Price To Sales Ratio | 0.707 | 0.631 | 0.317 | 0.430 | 1.012 | |
| Price To Free Cash Flow Ratio | 1.589 | 1.629 | 0.826 | 1.056 | 2.268 | |
| Price To Operating Cash Flow Ratio | 1.589 | 1.629 | 0.826 | 1.017 | 2.144 | |
| Debt To Assets Ratio | 0.194 | 0.248 | 0.235 | 0.320 | 0.349 | |
| Debt To Equity Ratio | 1.320 | 1.863 | 1.864 | 3.591 | 3.633 | |
| Debt To Capital Ratio | 0.569 | 0.651 | 0.651 | 0.782 | 0.784 | |
| Long Term Debt To Capital Ratio | 0.564 | 0.646 | 0.645 | 0.779 | 0.781 | |
| Financial Leverage Ratio | 6.812 | 7.503 | 7.930 | 11.217 | 10.425 | |
| Working Capital Turnover Ratio | -0.455 | -0.466 | -0.485 | -3.147 | -12.582 | |
| Operating Cash Flow Ratio | 0.142 | 0.133 | 0.136 | 0.125 | 0.129 | |
| Operating Cash Flow Sales Ratio | 0.445 | 0.387 | 0.384 | 0.423 | 0.472 | |
| Free Cash Flow Operating Cash Flow Ratio | 1.000 | 1.000 | 1.000 | 0.963 | 0.946 | |
| Debt Service Coverage Ratio | 0.705 | 0.384 | 0.970 | 0.670 | 2.402 | |
| Interest Coverage Ratio | 0.719 | 0.397 | 1.101 | 0.596 | 2.726 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Operating Cash Flow Coverage Ratio | 0.476 | 0.327 | 0.365 | 0.227 | 0.204 | |
| Capital Expenditure Coverage Ratio | 0.000 | 0.000 | 0.000 | 27.176 | 18.369 | |
| Dividend Paid And Capex Coverage Ratio | 49.810 | 43.233 | 47.310 | 16.649 | 12.246 | |
| Dividend Payout Ratio | 0.081 | 0.155 | 0.058 | 0.193 | 0.052 | |
| Enterprise Value Multiple | 5.926 | 10.689 | 3.220 | 14.821 | 6.719 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 63.3% | ▲12.5% | ▲8.0% |
| Ebit Margin | 13.1% | ▲5.1% | ▼-2.6% |
| Ebitda Margin | 14.8% | ▲5.0% | ▼-3.4% |
| Operating Profit Margin | 13.1% | ▲5.1% | ▼-2.6% |
| Pretax Profit Margin | 13.1% | ▲5.1% | ▼-2.6% |
| Continuous Operations Profit Margin | 11.1% | ▲5.3% | ▼-1.0% |
| Net Profit Margin | 11.0% | ▲5.2% | ▼-1.0% |
| Bottom Line Profit Margin | 11.0% | ▲5.2% | ▼-1.0% |
| Current Ratio | 0.269 | ▼-0.020 | ▼-0.285 |
| Quick Ratio | 0.269 | ▼-0.020 | ▼-0.285 |
| Solvency Ratio | 0.031 | ▲0.012 | ▲0.001 |
| Cash Ratio | 0.245 | ▼-0.018 | ▼-0.009 |
| Price To Earnings Ratio | 6.651 | ▼-4.291 | ▲0.165 |
| Price To Earnings Growth Ratio | 0.067 | ▲0.245 | ▲0.107 |
| Forward Price To Earnings Growth Ratio | 0.067 | ▲0.245 | ▲0.107 |
| Price To Earnings Diluted Ratio | 6.755 | ▼-4.347 | ▲0.205 |
| Price To Earnings Diluted Growth Ratio | 0.068 | ▲0.248 | ▲0.108 |
| Price To Book Ratio | 0.999 | ▲0.006 | ▲0.005 |
| Price To Sales Ratio | 0.707 | ▲0.076 | ▲0.088 |
| Price To Free Cash Flow Ratio | 1.589 | ▼-0.040 | ▲0.116 |
| Price To Operating Cash Flow Ratio | 1.589 | ▼-0.040 | ▲0.148 |
| Debt To Assets Ratio | 0.194 | ▼-0.054 | ▼-0.075 |
| Debt To Equity Ratio | 1.320 | ▼-0.543 | ▼-1.134 |
| Debt To Capital Ratio | 0.569 | ▼-0.082 | ▼-0.118 |
| Long Term Debt To Capital Ratio | 0.564 | ▼-0.081 | ▼-0.119 |
| Financial Leverage Ratio | 6.812 | ▼-0.691 | ▼-1.966 |
| Working Capital Turnover Ratio | -0.455 | ▲0.011 | ▲2.972 |
| Operating Cash Flow Ratio | 0.142 | ▲0.009 | ▲0.009 |
| Operating Cash Flow Sales Ratio | 0.445 | ▲0.058 | ▲0.023 |
| Free Cash Flow Operating Cash Flow Ratio | 1.000 | 0.000 | ▲0.018 |
| Debt Service Coverage Ratio | 0.705 | ▲0.321 | ▼-0.321 |
| Interest Coverage Ratio | 0.719 | ▲0.322 | ▼-0.389 |
| Short Term Operating Cash Flow Coverage Ratio | 0.000 | 0.000 | 0.000 |
| Operating Cash Flow Coverage Ratio | 0.476 | ▲0.149 | ▲0.156 |
| Capital Expenditure Coverage Ratio | 0.000 | 0.000 | ▼-9.109 |
| Dividend Paid And Capex Coverage Ratio | 49.809 | ▲6.577 | ▲15.960 |
| Dividend Payout Ratio | 0.081 | ▼-0.074 | ▼-0.027 |
| Enterprise Value Multiple | 5.926 | ▼-4.763 | ▼-2.349 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $3.32B | $3.03B | $1.64B | $1.88B | $3.31B | |
| Enterprise value | $4.11B | $5.03B | $3.49B | $6.12B | $7.84B | |
| EV / Sales | 0.88x | 1.05x | 0.68x | 1.40x | 2.40x | |
| EV / Op. cash flow | 1.97x | 2.71x | 1.76x | 3.31x | 5.08x | |
| EV / Free cash flow | 1.97x | 2.71x | 1.76x | 3.44x | 5.38x | |
| EV / EBITDA | 5.93x | 10.69x | 3.22x | 14.82x | 6.72x | |
| Net debt / EBITDA | 1.14x | 4.26x | 1.71x | 10.27x | 3.88x | |
| Current ratio | 0.27x | 0.29x | 0.27x | 0.28x | 1.66x | |
| Income quality | 4.04x | 6.71x | 2.77x | 8.29x | 1.93x | |
| Graham number | $139 | $88 | $138 | $68 | $123 | |
| Graham net-net | -$344 | -$320 | -$328 | -$381 | -$94 | |
| Tax burden | 84.4% | 72.7% | 74.2% | 74.3% | 76.7% | |
| Interest burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Working capital | -$10.74B | -$9.92B | -$10.67B | -$10.65B | $7.87B | |
| Invested capital | -$9.84B | -$8.95B | -$9.64B | -$9.57B | $8.87B | |
| Return on assets | 2.3% | 1.2% | 3.1% | 0.9% | 3.7% | |
| Operating ROA | 2.7% | 1.7% | 4.0% | 1.3% | 4.7% | |
| Return on tangible assets | 2.4% | 1.3% | 3.2% | 0.9% | 3.8% | |
| Return on equity | 15.6% | 9.1% | 24.6% | 9.8% | 38.4% | |
| Return on invested capital | 6.5% | 3.1% | 8.6% | 2.1% | 8.1% | |
| Return on capital employed | 7.7% | 4.3% | 11.3% | 2.8% | 10.7% | |
| Earnings yield | 15.6% | 9.1% | 43.8% | 11.9% | 24.2% | |
| Free cash flow yield | 62.9% | 61.4% | 121.1% | 94.7% | 44.1% | |
| Capex / Op. cash flow | 0.0% | 0.0% | 0.0% | 3.7% | 5.4% | |
| Capex / Depreciation | 0.0% | 0.0% | 0.0% | 60.2% | 68.3% | |
| Capex / Sales | 0.0% | 0.0% | 0.0% | 1.6% | 2.6% | |
| SG&A / Sales | 27.9% | 21.8% | 19.9% | 21.9% | 25.4% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 1.2% | 1.1% | 0.9% | 0.8% | 0.9% | |
| Intangibles / Total assets | 3.2% | 3.3% | 3.3% | 3.1% | 3.2% | |
| Days sales outstanding | 11d | 11d | 10d | 14d | 1754d | |
| Days payables outstanding | 61d | 50d | 73d | 69d | 67d | |
| Operating cycle | 11d | 11d | 10d | 14d | 1754d | |
| Cash conversion cycle | -50d | -39d | -63d | -56d | 1688d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Valuation
Market cap ▲+9.8%EV / Sales ▼-16.6%EV / EBITDA ▼-44.6%EV / Op. cash flow ▼-0.742Earnings yield ▲+0.064Graham number ▲+50.771
Profitability
Return on equity ▲+0.065Return on assets ▲+0.011Return on invested capital ▲+0.034Return on capital employed ▲+0.034Operating ROA ▲+0.010Income quality ▼-2.673Tax burden ▲+0.117
Efficiency
Days sales outstanding ▲+0.465Days payables outstanding ▲+10.738Operating cycle ▲+0.465Cash conversion cycle ▼-10.273Capex / Sales n/aR&D / Sales n/a
Balance-sheet strength
Current ratio ▼-0.020Net debt / EBITDA ▼-3.122Working capital ▼-813000000.000Invested capital ▼-892000000.000Intangibles / Total assets ▼-0.001
Change over 5 years
Valuation
Market cap ▲+0.5%EV / Sales ▼-63.5%EV / EBITDA ▼-11.8%EV / Op. cash flow ▼-3.116Earnings yield ▼-0.086Graham number ▲+15.318
Profitability
Return on equity ▼-0.228Return on assets ▼-0.014Return on invested capital ▼-0.016Return on capital employed ▼-0.030Operating ROA ▼-0.020Income quality ▲+2.112Tax burden ▲+0.076
Efficiency
Days sales outstanding ▼-1742.960Days payables outstanding ▼-5.454Operating cycle ▼-1742.960Cash conversion cycle ▼-1737.505Capex / Sales ▼-0.026R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-1.390Net debt / EBITDA ▼-2.747Working capital ▼-18608000000.000Invested capital ▼-18711000000.000Intangibles / Total assets +0.000
Employee count
Peer market caps
Congressional trades
No congressional trade data synced.
Recent news
- 2026-07-25 Fifth Third Bancorp Buys 17,269 Shares of Bread Financial Holdings, Inc. $BFH Fifth Third Bancorp increased its stake in Bread Financial Holdings, Inc. (NYSE: BFH) by 5,814.5% during the undefined quarter, according to its most recent disclosure with the Securities and Exchange Commission. The fund owned 17,566 shares of the company''s stock after purchasing an additional 17,269 shares during the quarter. Fifth Third Bancorp''s holdings
- 2026-07-24 BFH Q2 Earnings Beat Estimates on Solid Credit Sales, Revenues Rise Y/Y Bread Financial''s Q2 benefited from higher credit sales, loan growth and improved credit quality, driving earnings and revenue above estimates.
- 2026-07-23 Bread Financial Holdings, Inc. (BFH) Q2 2026 Earnings Call Transcript Bread Financial Holdings, Inc. (BFH) Q2 2026 Earnings Call Transcript
- 2026-07-23 Bread Financial Q2 Earnings Call Highlights Bread Financial NYSE: BFH reported stronger second-quarter 2026 results, citing higher credit sales, loan and deposit growth, increased revenue and improved credit performance, while also raising parts of its full-year outlook.
- 2026-07-23 Compared to Estimates, Bread Financial (BFH) Q2 Earnings: A Look at Key Metrics While the top- and bottom-line numbers for Bread Financial (BFH) give a sense of how the business performed in the quarter ended June 2026, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values.
- 2026-07-23 Bread Financial Holdings (BFH) Q2 Earnings and Revenues Beat Estimates Bread Financial Holdings (BFH) came out with quarterly earnings of $3.55 per share, beating the Zacks Consensus Estimate of $2.52 per share. This compares to earnings of $3.14 per share a year ago.
- 2026-07-23 Bread Financial Provides Performance Update for June 2026 COLUMBUS, Ohio, July 23, 2026 (GLOBE NEWSWIRE) -- Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions to millions of U. S. consumers, provided a performance update. The following tables present the Company''s Net principal loss rate and Delinquency rate for the periods indicated: About Bread FinancialBread Financial (NYSE: BFH) is a tech-forward financial services company that provides simple, personalized payment, lending and saving solutions to millions of U.
- 2026-07-23 Bread Financial Provides Performance Update for June 2026 COLUMBUS, Ohio, July 23, 2026 (GLOBE NEWSWIRE) -- Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, personalized payment, lending, and saving solutions to millions of U.S. consumers, provided a performance update. The following tables present the Company''s Net principal loss rate and Delinquency rate for the periods indicated:
- 2026-07-23 Bread Financial Reports Second Quarter 2026 Results COLUMBUS, Ohio, July 23, 2026 (GLOBE NEWSWIRE) -- Bread Financial ® Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, flexible payment, lending and saving solutions, today announced its second quarter 2026 financial results. All earnings-related materials are now available at the company''s investor relations website, here.
- 2026-07-23 Bread Financial Reports Second Quarter 2026 Results COLUMBUS, Ohio, July 23, 2026 (GLOBE NEWSWIRE) -- Bread Financial Holdings, Inc. (NYSE: BFH), a tech-forward financial services company that provides simple, flexible payment, lending and saving solutions, today announced its second quarter 2026 financial results. All earnings-related materials are now available at the company''s investor relations website, here.