Skip to content
OpenCapital
Get started

Bread Financial Holdings BFH Net debt / EBITDA

Net debt / EBITDA at other companies

Capital One Financial logo
Capital One FinancialCOF
-1×-1.6×
Synchrony Financial logo
Synchrony FinancialSYF
-0.4×-0.1×
PayPal Holdings, Inc. logo
PayPal Holdings, Inc.PYPL
-1.8×-2.6×
Affirm Holdings, Inc. logo
Affirm Holdings, Inc.AFRM
9.4×-788×
Enova International logo
Enova InternationalENVA
5.8×+0.2×
Mastercard logo
MastercardMA
0.5×-0.1×

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.

net debt/ebitda=-2.3×

Based on the most recent quarter.

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 net debt / ebitda.

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 net debt / EBITDA?
Bread Financial Holdings (BFH) reported net debt / EBITDA of -2.3× in Q4 2025.
How has Bread Financial Holdings's net debt / EBITDA changed year-over-year?
Bread Financial Holdings's net debt / EBITDA decreased by 269.3% year-over-year, from 1.4× to -2.3×.
What is the long-term trend for Bread Financial Holdings's net debt / EBITDA?
Over 4 years (2020 to 2025), Bread Financial Holdings's net debt / EBITDA has grown at a -1.7% compound annual growth rate (CAGR), from -2.4× to -2.3×.
What does net debt / EBITDA mean?
Net debt (total debt minus cash) divided by trailing-twelve-month EBITDA. Expresses leverage in years — roughly how long it would take to repay net debt out of operating cash earnings.