Bread Financial Holdings Ratios (2009-2026) | BFH

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Ratios	Jun2021	Sep2021	Dec2021	Mar2022	Jun2022	Sep2022	Dec2022	Mar2023	Jun2023	Sep2023	Dec2023	Mar2024	Jun2024	Sep2024	Dec2024	Mar2025	Jun2025	Sep2025	Dec2025	Mar2026
Profitability
Gross Margin (Quarter)	95.42%	95.89%	94.51%	96.63%	94.40%	95.51%	94.58%	96.97%	95.80%	96.51%	95.47%	97.17%	96.49%	96.13%	94.81%	96.39%	96.34%	96.09%	95.49%	96.56%
EBT Margin (Quarter)	46.34%	30.43%	7.48%	32.79%	1.79%	19.31%	-20.14%	49.50%	9.03%	21.82%	1.77%	18.97%	19.17%	4.07%	-2.92%	20.31%	18.73%	20.19%	4.82%	23.87%
EBIT Margin (Quarter)	61.95%	44.98%	-133.21%	50.38%	41.43%	45.86%	41.43%	54.77%	40.13%	47.82%	44.69%	48.54%	46.54%	37.74%	36.97%	47.22%	44.56%	47.06%	38.56%	50.20%
EBITDA Margin (Quarter)	61.95%	44.98%	-133.21%	50.38%	41.43%	45.86%	41.43%	54.77%	40.13%	47.82%	44.69%	48.54%	46.54%	37.74%	36.97%	47.22%	44.56%	47.06%	38.56%	50.20%
Operating Margin (Quarter)	61.95%	44.98%	-133.21%	50.38%	41.43%	45.86%	41.43%	54.77%	40.13%	47.82%	44.69%	48.54%	46.54%	37.74%	36.97%	47.22%	44.56%	47.06%	38.56%	50.20%
Net Margin (Quarter)	35.86%	26.32%	2.10%	22.80%	1.34%	13.69%			-1.68%	-0.19%	-0.10%	-0.10%		-0.10%		14.23%			0.10%	17.58%
FCF Margin (Quarter)	25.26%	48.30%	37.85%	53.96%	-0.34%	62.10%	-102.42%	24.59%	36.03%	61.01%	22.15%	45.11%	50.80%	8.24%	51.57%	40.52%	56.62%	62.31%	58.26%	47.84%
Efficiency
Inventory Average (Quarter)	0.15B	0.18B
Assets Average (Quarter)	21.49B	22.03B	22.00B	21.34B	21.37B	21.89B	23.68B	23.69B	21.79B	21.61B	22.37B	22.72B	22.22B	21.94B	22.31B	22.64B	22.10B	21.77B	22.19B	22.49B
Equity Average (Quarter)	1.91B	2.15B	2.17B	2.18B	2.27B	2.34B	2.33B	2.49B	2.73B	2.80B	2.89B	2.98B	3.10B	3.14B	3.08B	3.06B	3.12B	3.24B	3.32B	3.33B
Invested Capital (Quarter)	2.05B	2.25B	9.53B	7.08B	7.77B	6.41B	10.27B	5.73B	7.43B	7.09B	8.21B	6.39B	6.63B	7.70B	8.61B	8.19B	7.39B	7.10B	7.63B	6.37B
Asset Utilization Ratio (Quarter)	0.17	0.16	0.15	0.16	0.16	0.17	0.16	0.18	0.20	0.20	0.19	0.18	0.18	0.18	0.17	0.17	0.17	0.17	0.17	0.17
Leverage & Solvency
Interest Coverage Ratio (Quarter)	4.73	4.21	-13.42	5.87	3.89	3.38	2.19	3.24	1.86	2.25	1.91	1.94	1.81	1.55	1.48	2.04	1.88	2.18	1.89	2.65
Debt to Equity (Quarter)			3.57	2.99	3.27	2.47	3.54	1.80	1.72	1.47	1.81	1.53	1.50	1.47	1.82	1.67	1.34	1.14	1.29	1.17
Debt Ratio (Quarter)			0.34	0.32	0.34	0.27	0.32	0.22	0.22	0.20	0.23	0.21	0.21	0.21	0.24	0.23	0.19	0.17	0.19	0.17
Equity Ratio (Quarter)	0.09	0.10	0.10	0.11	0.10	0.11	0.09	0.12	0.13	0.13	0.13	0.14	0.14	0.14	0.13	0.14	0.15	0.15	0.15	0.15
Times Interest Earned (Quarter)	4.73	4.21	-13.42	5.87	3.89	3.38	2.19	3.24	1.86	2.25	1.91	1.94	1.81	1.55	1.48	2.04	1.88	2.18	1.89	2.65
Dividends & Payouts
FCF Payout Ratio (Quarter)	0.05	0.02	0.03	0.02	-3.67	0.02	-0.01	0.03	0.03	0.02	0.04	0.02	0.02	0.12	0.02	0.03	0.02	0.01
Valuation
Enterprise Value (Quarter)	-3.53B	-3.70B	-3.05B	-2.93B	-3.11B	-3.58B	-3.89B	-3.61B	-3.33B	-3.38B	-3.59B	-3.79B	-4.05B	-3.45B	-3.68B	-4.21B	-3.80B	-3.76B	-3.60B	-3.64B
Return Ratios
Return on Sales (Quarter)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%		0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Return on Capital Employed (Quarter)	13.98%	17.78%
Return on Invested Capital (Quarter)	0.01%	0.01%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Return on Assets (Quarter)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%		0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Return on Equity (Quarter)	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%		0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

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Bread Financial Holdings Ratios (2009-2026) | BFH

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