Bread Financial Financial Ratios
NYSE: BFHConsumer DiscretionaryBusiness ServicesUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
Bread Financial ratio analysis
Bread Financial earned a net margin of 13.5% in FY 2025, up from 7.2% a year earlier. Return on equity reached 15.6%, meaning Bread Financial generated 0.16 dollars of profit for every dollar of shareholders' equity. Debt-to-equity stood at 1.29 versus 1.82 the year before.
At the end of FY 2025, BFH traded at 6.9 times earnings; across the 10 fiscal years shown, its year-end P/E ranged from 2.3 to 24.8, with a median of 9.9. Valuation ratios use the closing share price on each fiscal year-end date and diluted shares from the income statement; profitability and leverage ratios use reported annual figures. Current valuation multiples are on the statistics page.
Summary generated from market data by MetaCap's automated system. Methodology
Bread Financial financial ratios (annual)
| Ratio | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| P/E ratio (at fiscal year end) | 6.91 | 11.27 | 2.30 | 8.44 | 4.16 | 13.26 | 16.13 | 7.38 | 14.35 | 24.85 |
| Price / sales | 0.92 | 0.80 | 0.38 | 0.49 | 1.01 | 0.63 | 0.79 | 1.25 | 2.06 | 1.50 |
| Price / book | 1.06 | 1.01 | 0.56 | 0.83 | 1.59 | 1.86 | 2.77 | 3.04 | 6.07 | 6.44 |
| Gross margin | — | — | — | — | — | 54.1% | 51.8% | 55.2% | 54.9% | 40.1% |
| Operating margin | — | — | — | — | — | 6.7% | 11.9% | 31.0% | 27.7% | 17.7% |
| Net margin | 13.5% | 7.2% | 16.7% | 5.8% | 24.5% | 4.7% | 5.0% | 17.0% | 14.4% | 7.3% |
| Free cash flow margin | 54.4% | 48.4% | 46.3% | 46.5% | 44.6% | 40.5% | 19.3% | 45.1% | 43.4% | 26.9% |
| Return on equity (ROE) | 15.6% | 9.1% | 24.6% | 9.8% | 38.4% | 14.1% | 17.5% | 41.3% | 42.5% | 31.2% |
| Return on assets (ROA) | 2.3% | 1.2% | 3.1% | 0.9% | 3.7% | 0.9% | 1.0% | 3.2% | 2.6% | 2.0% |
| Debt / equity | 1.29 | 1.82 | 1.81 | 3.54 | 3.57 | 1.84 | 1.79 | 2.46 | 3.28 | 3.38 |
| Current ratio | — | — | — | — | — | 1.88 | 2.03 | 2.15 | 2.43 | 2.12 |
| Revenue growth | 0.2% | -10.5% | 12.1% | 16.9% | -27.6% | -19.0% | -1.5% | 3.5% | -23.3% | 10.8% |
| EPS growth | 98.4% | -61.7% | 221.5% | -72.2% | 259.2% | -18.3% | -68.8% | 24.0% | 92.1% | -17.1% |