Bread Financial (BFH) Fundamental Analysis: Revenue, Earnings & Valuation

8.75 / 10

Outperform

Fundamental analysis rates BFH as Outperform with an 8.75 score. Key strengths include high ROE growth, strong Asset‑MV advantage, and solid Net income‑Revenue margin. Weak points are low EPS growth rates and a negative cash‑flow‑to‑revenue ratio, though overall quality remains high.

Analysis Checks(4/10)

Shareholders’ equity attributable to parent company / Total liabilities (%)

Value0.17

Score1/3

Weight-3.87%

1M Return-0.73%

ROE (diluted) (YoY growth rate %)

Value14.33

Score3/3

Weight19.83%

1M Return3.16%

Equity ratio (Total liabilities / Shareholders’ equity attributable to parent company) (%)

Value5.81

Score1/3

Weight-3.36%

1M Return-0.63%

Net cash flow from operating activities / Operating revenue (%)

Value-898.29

Score0/3

Weight-12.45%

1M Return-2.73%

Net income-Revenue

Value-0.77

Score3/3

Weight13.73%

1M Return2.56%

Basic earnings per share (YoY growth rate %)

Value98.39

Score1/3

Weight-0.54%

1M Return-0.11%

Net cash flow from operating activities (YoY growth rate %)

Value12.53

Score2/3

Weight8.55%

1M Return1.62%

Diluted earnings per share (YoY growth rate %)

Value98.36

Score1/3

Weight-0.05%

1M Return-0.01%

Net profit attributable to parent company shareholders (YoY growth rate %)

Value87.00

Score1/3

Weight-1.06%

1M Return-0.21%

Asset-MV

Value-0.55

Score3/3

Weight79.21%

1M Return12.37%

Is BFH fundamentally strong?

BFH scores 8.75/10 on fundamentals and holds a Discounted valuation at present. Backed by its 16.24% ROE, 13.47% net margin, 6.00 P/E ratio, 0.93 P/B ratio, and 98.39% earnings growth, these metrics solidify its Outperform investment rating.