BREAD FINANCIAL HOLDINGS, INC.

BFH — scored out of ten from its own filings

Figures as at 2026-06-30, reported in USD. The newest fact in the filings is dated 2026-06-30, 55 days ago. Nothing on this page is advice.

The five scores

Dimension	What it asks	Score
Quality	How much of the revenue is really kept — and what did it take to earn it?	9.89
Valuation	What does the price ask for what the company earns, owns and pays out?	0.5
Durability	How predictable is the revenue, and how much of it is already committed?	5.05
Resilience	Can the balance sheet absorb a bad year?	2.62
Growth	Is the business getting bigger, and is it getting more profitable?	2.04

A dimension reading not measured means the filing does not carry the figures it needs. It is left out of the total rather than scored as though it were bad.

What each measure said

A dimension's score is the weighted average of these. Each links to the page explaining how it is worked out and which XBRL tags it reads.

Quality — 9.89

Measure	What it is	Score
OE margin	(Free cash flow − stock comp) over revenue	10.0
SBC / sales	Stock compensation over revenue, inverted	9.82

Durability — 5.05

Measure	What it is	Score
Cash-flow margin stability, operating cash flow over revenue	Cash-flow margin stability, operating cash flow over revenue	6.4
Revenue growth in the worst year on record	Revenue growth in the worst year on record	3.85

Resilience — 2.62

Measure	What it is	Score
Current ratio	Current ratio, excluding deferred revenue from the liabilities	3.25
ND/EBITDA	Net cash, or net debt over EBITDA	2.0

Growth — 2.04

Measure	What it is	Score
Sales/sh Y/Y	Revenue growth per diluted share, trailing twelve months against the prior twelve	2.47
Sales CAGR 4Y	The same growth compounded over four fiscal years	1.62

A measure missing from a list here could not be computed from this company's filings. It is left out rather than scored as though it were bad.

Revenue by fiscal year

As the company reported it, one row per year, straight from the filings.

Fiscal year	Ends	Revenue
2018	2018-12-31	960,100,000
2019	2019-12-31	4,050,000,000
2020	2020-12-31	3,298,000,000
2021	2021-12-31	3,272,000,000
2022	2022-12-31	3,826,000,000
2023	2023-12-31	4,289,000,000
2024	2024-12-31	3,838,000,000
2025	2025-12-31	3,845,000,000

The ratios

The figures themselves rather than their scores — what somebody looking up BFH on one particular measure came for.

Ratio	Value
current ratio	1.5
current ratio reported	1.5
deferred revenue growth	10.6
dilution pct	-5.56
fcf margin	55.42
growth cv	2.74
owner earnings margin	53.93
revenue growth	3.94
revenue growth per share	10.06
sbc pct revenue	1.49

The figures, and where each came from

This is the part no other screener shows. Each figure below names the XBRL element it was read from, so it can be checked against the filing itself.

Figure	Value	XBRL tag	As at
capex	0	`PaymentsToAcquireProductiveAssets`	2022-12-31
cash	3,709,000,000	`CashAndCashEquivalentsAtCarryingValue`	2026-06-30
current assets	19,387,400,000	`AssetsCurrent`	2021-09-30
current liabilities	12,934,400,000	`LiabilitiesCurrent`	2021-09-30
equity	3,365,000,000	`StockholdersEquity`	2026-06-30
interest expense	797,000,000	`InterestExpenseOperating`	2026-06-30
ocf	2,193,000,000	`NetCashProvidedByUsedInOperatingActivities`	2026-06-30
revenue	3,957,000,000	`RevenuesNetOfInterestExpense`	2026-06-30
sbc	59,000,000	`ShareBasedCompensation`	2026-06-30

What to be careful about

operating income last tagged 2021-09-30, 1734 days before the revenue period (2026-06-30); dropped rather than divided by current revenue
no current capital expenditure tagged (last tagged 2022-12-31); treated as zero, so free cash flow is overstated and equals operating cash flow
no market cap; set `market_cap` in overrides.yaml
no forward EPS estimate; growth rests on filings only. Analyst consensus is not published in XBRL, so it has to be fetched from a data provider or set by hand in overrides.yaml as `eps_growth_2y`
quality DROPPED from the total: only 2 of 5 inputs could be computed (operating margin, roic, cash operating margin not tagged), so the score is not meaningful. Its weight is spread over the other dimensions
valuation DROPPED from the total: only 0 of 2 inputs could be computed (ev ebit, ev owner earnings not tagged), so the score is not meaningful. Its weight is spread over the other dimensions

See it scored yourself

The dashboard puts BFH beside other companies and lets you change what counts: the weight of each dimension, the value that earns a ten, and which of the 61 measures are included at all.