Skip to content
OpenCapital
Get started

Bread Financial Holdings BFH Interest coverage

Interest coverage at other companies

Capital One Financial logo
Capital One FinancialCOF
1.2×-0.2×
Synchrony Financial logo
Synchrony FinancialSYF
2.2×+0.3×
PayPal Holdings, Inc. logo
PayPal Holdings, Inc.PYPL
13.4×-0.8×
Affirm Holdings, Inc. logo
Affirm Holdings, Inc.AFRM
1×+0.8×
Enova International logo
Enova InternationalENVA
2.2×+0.1×
Mastercard logo
MastercardMA
27.1×+3.3×

Other financials

Income statement

See full
Revenue$1.0B+4.9%
Gross profit$361.8M—
Operating income$382.8M—
Net income$181.0M+31.2%
EPS (diluted)$4.15+49.3%

Balance sheet

See full
Cash & equivalents$4.0B-6.6%
Total debt$85.0M-98.5%
Total equity$3.3B+8.4%
Total assets$22.3B-0.3%

Cash flow

See full
Operating cash flow$487.0M+23.9%
CapEx$15.0M-40.0%
Free cash flow$482.0M+55.5%

Valuation

See full
Market cap$4.14B+31.3%
P/E7.4×-3.9×
P/S1.1×+0.2×

Profitability

See full
Gross margin52%—
Operating margin45.9%—
Net margin14.4%+7.1pp
FCF margin46.5%+1.9pp

Returns & leverage

See full
Return on equity17.6%+8.4pp
Debt / equity0×-1.8×
Current ratio1.5×—

Where this comes from

Calculated from Bread Financial Holdings’s reported figures.

ebit/interest expense=1.8×

Based on trailing twelve months.

The official record: Bread Financial Holdings’s 10-Q, filed April 28, 2026, on SEC EDGAR. View the filing →

Ask your AI about Bread Financial Holdings's interest coverage.

Connect your AI assistant and compare it to peers, right in your chat.

Connect your AI
Harbor at dusk
Claude

Questions, answered.

What is Bread Financial Holdings's interest coverage?
Bread Financial Holdings (BFH) reported interest coverage of 1.8× in Q1 2026.
How has Bread Financial Holdings's interest coverage changed year-over-year?
Bread Financial Holdings's interest coverage increased by 24.8% year-over-year, from 1.4× to 1.8×.
What is the long-term trend for Bread Financial Holdings's interest coverage?
Over 4 years (2020 to 2025), Bread Financial Holdings's interest coverage has grown at a -1.1% compound annual growth rate (CAGR), from 1.8× to 1.7×.
What does interest coverage mean?
Trailing-twelve-month operating income (EBIT) divided by interest expense. Measures how many times over the company can cover its interest payments from operating profit.