Bread Financial Holdings Ratios (2009-2025) | BFH

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Ratios	Mar2009	Jun2009	Sep2009	Dec2009	Mar2010	Jun2010	Sep2010	Dec2010	Mar2011	Jun2011	Sep2011	Dec2011	Mar2012	Jun2012	Sep2012	Dec2012	Mar2013	Jun2013	Sep2013	Dec2013	Mar2014	Jun2014	Sep2014	Dec2014	Mar2015	Jun2015	Sep2015	Dec2015	Mar2016	Jun2016	Sep2016	Dec2016	Mar2017	Jun2017	Sep2017	Dec2017	Mar2018	Jun2018	Sep2018	Dec2018	Mar2019	Jun2019	Sep2019	Dec2019	Mar2020	Jun2020	Sep2020	Dec2020	Mar2021	Jun2021	Sep2021	Dec2021	Mar2022	Jun2022	Sep2022	Dec2022	Mar2023	Jun2023	Sep2023	Dec2023	Mar2024	Jun2024	Sep2024	Dec2024	Mar2025	Jun2025	Sep2025	Dec2025
Profitability
Gross Margin	32.98%	28.63%	32.17%	30.45%		46.44%	45.16%	41.72%	45.37%	41.76%	43.54%	41.11%	40.90%	41.55%	45.20%	40.96%	41.10%	39.76%	42.69%	40.31%	37.35%	38.08%	41.82%	39.72%	38.17%	40.25%	43.30%	41.28%	40.11%	41.22%	44.55%	34.38%	44.54%	44.32%	44.23%	131.03%	57.18%	57.52%	54.05%	52.35%	51.99%	51.44%	52.18%	221.67%	63.87%	49.68%	54.05%	219.99%	94.76%	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%
EBT Margin	14.61%	10.16%	11.42%	16.70%	11.38%	11.43%	12.23%	9.66%	18.97%	15.26%	18.15%	12.66%	20.97%	19.33%	20.86%	14.24%	19.81%	18.06%	19.59%	16.15%	17.36%	17.36%	19.72%	9.70%	15.40%	13.66%	12.93%	15.70%	14.65%	12.40%	16.58%	3.39%	12.09%	11.74%	17.44%	14.55%	17.74%	18.83%	24.10%	24.84%	15.96%	14.37%	11.42%	11.46%	1.84%	4.80%	16.74%	13.17%	45.76%	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%
EBIT Margin	21.20%	17.61%	19.43%	24.18%	23.84%	23.95%	24.20%	18.61%	28.62%	25.90%	26.95%	21.39%	28.33%	27.76%	29.02%	22.30%	27.65%	26.18%	26.34%	21.89%	22.86%	22.33%	24.38%	14.30%	20.27%	19.04%	18.09%	20.81%	20.54%	18.33%	22.33%	9.83%	18.75%	19.29%	25.04%	21.97%	26.95%	28.39%	33.71%	34.72%	26.75%	25.01%	21.16%	21.15%	11.87%	17.84%	27.70%	23.31%	62.73%	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%
EBITDA Margin	21.20%	17.61%	19.43%	24.18%	23.84%	23.95%	24.20%	18.61%	28.62%	25.90%	26.95%	21.39%	28.33%	27.76%	29.02%	22.30%	27.65%	26.18%	26.34%	21.89%	22.86%	22.33%	24.38%	14.30%	29.58%	28.78%	31.29%	29.00%	29.39%	26.97%	30.00%	30.96%	26.65%	27.37%	32.50%	28.36%	38.00%	40.30%	46.54%	48.84%	26.75%	25.01%	21.16%	21.15%	11.87%	17.84%	27.70%	23.31%	62.73%	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%
Operating Margin	21.20%	17.61%	19.43%	24.18%	23.84%	23.95%	24.20%	18.61%	28.62%	25.90%	26.95%	21.39%	28.33%	27.76%	29.02%	22.30%	27.65%	26.18%	26.34%	21.89%	22.86%	22.33%	24.38%	14.30%	20.27%	19.04%	18.09%	20.81%	20.54%	18.33%	22.33%	9.83%	18.75%	19.29%	25.04%	21.97%	26.95%	28.39%	33.71%	34.72%	26.75%	25.01%	21.16%	21.15%	11.87%	17.84%	27.70%	23.31%	62.73%	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%
Net Margin	-3.14%	0.23%	0.10%	-3.54%	7.03%	7.07%	7.55%	6.18%	11.67%	9.32%	11.12%	7.78%	12.92%	11.98%	13.12%	8.61%	12.24%	11.33%	12.12%	10.33%	11.14%	10.86%	12.45%	4.52%	10.15%	8.75%	8.08%	9.96%	9.37%	8.05%	11.00%	0.57%	7.79%	7.56%	12.19%	12.89%	11.86%	16.02%	20.83%	18.48%	11.18%	10.31%	-7.48%	6.67%	2.17%	3.92%	12.69%	1.11%	35.66%	35.86%	26.32%	2.10%	22.80%	1.34%	13.69%			-1.68%	-0.19%	-0.10%	-0.10%		-0.10%		-0.41%			0.10%
FCF Margin	17.07%	23.36%	16.11%	7.15%	28.80%	33.43%	32.77%	24.98%	25.90%	24.60%	40.25%	26.42%	23.36%	17.73%	46.39%	23.98%	23.80%	21.47%	21.49%	14.11%	23.49%	17.46%	25.99%	22.35%	8.26%	22.88%	26.14%	38.71%	13.44%	24.14%	29.13%	39.60%	22.65%	26.36%	35.37%	37.58%	43.80%	44.24%	45.87%	46.36%	42.88%	-31.06%	31.46%	-21.38%	40.30%	49.48%	38.96%	34.09%	62.97%	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%
Efficiency
Inventory Average																													0.23B	0.23B	0.25B	0.27B	0.26B	0.25B	0.25B	0.25B	0.25B	0.24B	0.25B	0.26B	0.25B	0.24B	0.25B	0.23B	0.20B	0.19B	0.20B	0.18B	0.16B	0.15B	0.18B
Assets Average	4.42B								8.15B	8.29B	8.66B	8.88B	8.94B	9.36B	10.12B	11.21B	11.96B	11.90B	11.92B	12.60B	13.50B	13.99B	14.70B	17.69B	19.62B	19.30B	19.92B	21.33B	22.37B	22.59B	23.21B	24.58B	25.08B	25.19B	26.81B	29.29B	30.04B	29.17B	29.36B	30.08B	29.91B	30.09B	28.95B	26.83B	25.36B	23.55B	21.99B	21.83B	21.85B	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
Equity Average									0.04B	0.07B	0.12B	0.16B	0.23B	0.33B	0.43B	0.51B	0.57B	0.59B	0.65B	0.78B	0.90B	0.95B	1.01B	1.74B	2.15B	1.94B	1.95B	1.98B	1.88B	1.74B	1.76B	1.72B	1.51B	1.39B	1.51B	1.72B	1.93B	2.06B	2.21B	2.31B	2.29B	2.32B	1.94B	1.54B	1.34B	1.12B	1.24B	1.42B	1.64B	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
Invested Capital				0.32B				3.68B	1.13B	3.39B	3.23B	0.20B	0.32B	0.38B	1.28B	1.33B	1.43B	1.71B	1.07B	1.19B	1.27B	1.01B	1.16B	2.32B	2.10B	2.16B	2.34B	2.38B	2.11B	1.96B	2.21B	7.26B	2.19B	1.97B	2.13B	1.99B	2.12B	2.24B	2.42B	2.47B	2.40B	2.39B	1.50B	1.69B	1.09B	1.15B	1.32B	7.23B	1.76B	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
Asset Utilization Ratio	0.45								0.35	0.35	0.36	0.36	0.37	0.37	0.35	0.32	0.32	0.33	0.35	0.34	0.33	0.34	0.34	0.30	0.29	0.31	0.31	0.30	0.29	0.30	0.30	0.29	0.29	0.29	0.28	0.26	0.24	0.23	0.21	0.19	0.19	0.19	0.19	0.21	0.22	0.22	0.22	0.21	0.18	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
Leverage & Solvency
Interest Coverage Ratio	3.22	2.36	2.43	3.23	1.91	1.91	2.02	2.08	2.97	2.43	3.06	2.45	3.85	3.29	3.56	2.77	3.53	3.23	3.90	3.81	4.16	4.49	5.23	3.11	7.64	6.42	6.35	4.07	6.72	5.99	7.71	0.67	2.81	2.56	3.30	2.96	2.93	2.97	3.51	3.51	2.48	2.35	2.17	2.18	1.18	1.37	2.53	2.30	4.70	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
Debt to Equity				6.53				80.96	39.40	27.10	15.44	12.41	8.27	6.73	4.96	5.40	4.75	4.92	3.77	3.27	3.12	3.13	2.74	1.76	2.55	2.48	2.62	2.50	3.17	3.30	3.27	3.38	4.60	4.51	3.92	3.28	3.04	2.73	2.53	2.39	2.63			1.79				5.60				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
Debt Ratio	0.30			0.34				0.23	0.25	0.28	0.26	0.24	0.27	0.25	0.23	0.24	0.24	0.24	0.22	0.21	0.22	0.21	0.19	0.21	0.26	0.25	0.25	0.22	0.25	0.25	0.25	0.22	0.25	0.25	0.22	0.20	0.21	0.20	0.20	0.18	0.20			0.11				0.38				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
Equity Ratio				0.05				0.00	0.01	0.01	0.02	0.02	0.03	0.04	0.05	0.04	0.05	0.05	0.06	0.06	0.07	0.07	0.07	0.12	0.10	0.10	0.10	0.09	0.08	0.08	0.08	0.06	0.06	0.06	0.06	0.06	0.07	0.07	0.08	0.08	0.08	0.08	0.06	0.06	0.04	0.05	0.06	0.07	0.08	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
Times Interest Earned	3.22	2.36	2.43	3.23	1.91	1.91	2.02	2.08	2.97	2.43	3.06	2.45	3.85	3.29	3.56	2.77	3.53	3.23	3.90	3.81	4.16	4.49	5.23	3.11	7.64	6.42	6.35	4.07	6.72	5.99	7.71	0.67	2.81	2.56	3.30	2.96	2.93	2.97	3.51	3.51	2.48	2.35	2.17	2.18	1.18	1.37	2.53	2.30	4.70	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
Dividends & Payouts
FCF Payout Ratio																									0.66				0.45	0.61		0.04	0.07	0.06	0.04	0.04	0.05	0.05	0.05	0.05	0.06	-0.08	0.07	-0.09	0.05	0.02	0.02	0.03	0.02	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	-0.67B			-0.79B	-0.22B	-0.25B	-0.39B	-0.61B	-0.78B	-0.71B	-0.69B	-0.73B	-0.89B	-1.12B	-1.26B	-1.39B	-1.30B	-1.26B	-1.33B	-1.48B	-0.93B	-0.85B	-0.85B	-1.36B	-1.02B	-1.08B	-1.21B	-1.46B	-1.27B	-1.79B	-1.93B	-2.18B	-2.38B	-2.49B	-3.90B	-4.78B	-4.13B	-4.02B	-4.19B	-4.38B	-4.26B	-4.62B	-5.11B	-4.48B	-5.02B	-5.58B	-3.72B	-3.49B	-3.36B	-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
Return Ratios
Return on Sales	-0.03%	0.00%	0.00%	-0.04%	0.07%	0.07%	0.08%	0.00%	0.12%	0.09%	0.11%	0.08%	0.13%	0.12%	0.13%	0.09%	0.12%	0.11%	0.12%	0.10%	0.11%	0.11%	0.13%	0.05%	0.10%	0.09%	0.08%	0.10%	0.09%	0.08%	0.11%	0.01%	0.08%	0.08%	0.12%	0.13%	-0.01%	0.00%	0.01%	0.02%	-0.02%	0.00%	-0.16%	-0.02%	0.02%	0.04%	0.13%	-0.07%	0.02%	0.01%	0.02%	-0.05%	0.00%	-0.01%	-0.01%	0.00%		-0.02%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%
Return on Capital Employed	0.19%								0.17%	0.14%	0.17%	0.16%	0.16%	0.17%	0.18%	0.16%	0.15%	0.14%	0.13%	0.14%	0.11%	0.12%	0.12%	0.10%	0.08%	0.09%	0.08%	0.08%	0.08%	0.09%	0.09%	0.08%	0.08%	0.08%	0.08%	0.09%	0.09%	0.09%	0.09%	0.09%	0.09%	0.09%	0.09%	0.09%	0.08%	0.08%	0.08%	0.08%	0.11%	0.14%	0.18%
Return on Invested Capital									0.18%	0.20%	0.14%	0.29%	2.04%	1.59%	0.70%	0.46%	0.45%	0.41%	0.47%	0.61%	0.56%	0.61%	0.66%	0.39%	0.32%	0.34%	0.31%	0.35%	0.37%	0.42%	0.46%	0.17%	0.17%	0.39%	0.42%	0.58%	0.61%	0.62%	0.61%	0.56%	0.57%	0.54%	0.58%	0.64%	0.62%	0.67%	0.61%	0.16%	0.20%	0.58%	0.56%	0.03%	0.02%	0.01%	0.01%	0.15%	0.18%	0.22%	0.21%	0.20%	0.20%	0.23%	0.18%	0.15%	0.14%	0.15%	0.20%	0.20%
Return on Assets	-0.01%								0.02%	0.02%	0.03%	0.04%	0.04%	0.04%	0.04%	0.04%	0.04%	0.04%	0.04%	0.04%	0.04%	0.04%	0.04%	0.03%	0.03%	0.03%	0.03%	0.03%	0.03%	0.03%	0.03%	0.02%	0.02%	0.02%	0.02%	0.03%	0.02%	0.02%	0.01%	0.00%	0.00%	0.00%	-0.01%	-0.01%	-0.01%	-0.01%	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%	0.00%
Return on Equity									4.99%	2.99%	2.12%	1.96%	1.47%	1.16%	0.95%	0.83%	0.77%	0.76%	0.71%	0.63%	0.56%	0.55%	0.55%	0.30%	0.25%	0.28%	0.26%	0.31%	0.32%	0.35%	0.39%	0.30%	0.33%	0.36%	0.35%	0.46%	0.32%	0.23%	0.12%	0.01%	0.00%	0.00%	-0.12%	-0.19%	-0.18%	-0.17%	0.14%	0.08%	0.07%	0.04%	-0.02%	0.00%	-0.01%	-0.01%	-0.02%	0.00%		-0.01%	-0.01%	-0.01%	-0.01%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%

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Bread Financial Holdings Ratios (2009-2025) | BFH

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