Bread Financial Holdings, Inc. (BFH) — Financial ratios
Profitability, liquidity, leverage, and valuation ratios for Bread Financial Holdings, Inc., with annual and quarterly history.
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 |
|---|---|---|---|---|---|---|
| Valuation | ||||||
| P/E Ratio | 6.42x | 10.93x | 2.28x | 8.43x | 4.13x | 13.20x |
| P/B Ratio | 1.00x | 0.99x | 0.56x | 0.83x | 1.59x | 1.86x |
| P/S Ratio | 0.71x | 0.63x | 0.32x | 0.43x | 1.01x | 0.86x |
| Profitability | ||||||
| Gross Margin | 63.3% | 50.9% | 59.3% | 52.0% | 63.1% | 59.1% |
| Operating Margin | 13.1% | 7.9% | 18.7% | 6.9% | 31.9% | 26.9% |
| Net Margin | 11.0% | 5.8% | 13.9% | 5.1% | 24.5% | 6.5% |
| EBITDA Margin | 14.8% | 9.8% | 21.0% | 9.4% | 35.7% | 16.6% |
| Liquidity | ||||||
| Current Ratio | 0.27x | 0.29x | 0.27x | 0.28x | 1.66x | 0.27x |
| Quick Ratio | 0.27x | 0.29x | 0.27x | 0.28x | 1.66x | 0.25x |
| Leverage | ||||||
| Debt/Equity | 1.32x | 1.86x | 1.86x | 3.59x | 3.63x | 5.72x |
YoY = year-over-year change. Source: FMP..