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Return on assets at other companies

Capital One Financial logo
Capital One FinancialCOF
0.5%-0.5pp
Synchrony Financial logo
Synchrony FinancialSYF
3%+0.5pp
PayPal Holdings, Inc. logo
PayPal Holdings, Inc.PYPL
6.3%+0.7pp
Affirm Holdings, Inc. logo
Affirm Holdings, Inc.AFRM
3.2%+2.8pp
CVB Financial logo
CVB FinancialCVBF
1.4%+0.1pp
Commerce Bancshares logo
Commerce BancsharesCBSH
1.7%0.0pp

Other financials

Income statement

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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

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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

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

Valuation

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

Profitability

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

Returns & leverage

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Return on equity17.6%+8.4pp
Debt / equity-1.8×
Current ratio1.5×

Where this comes from

Calculated from Bread Financial Holdings’s reported figures.

Based on trailing twelve months.

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

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Questions, answered.

What is Bread Financial Holdings's return on assets?
Bread Financial Holdings (BFH) reported return on assets of 2.5% in Q1 2026.
How has Bread Financial Holdings's return on assets changed year-over-year?
Bread Financial Holdings's return on assets increased by 100.7% year-over-year, from 1.3% to 2.5%.
What is the long-term trend for Bread Financial Holdings's return on assets?
Over 4 years (2020 to 2025), Bread Financial Holdings's return on assets has grown at a 27.2% compound annual growth rate (CAGR), from 0.9% to 2.3%.
What does return on assets mean?
Trailing-twelve-month net income divided by average total assets. Measures how efficiently the asset base generates profit, independent of how those assets are financed. Computed as net income over average total assets — note this is OpenCapital's standard definition and may differ from data vendors that use alternative numerators.