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Return on equity at other companies

Capital One Financial logo
Capital One FinancialCOF
3.7%-4.4pp
Synchrony Financial logo
Synchrony FinancialSYF
21.8%+3.2pp
PayPal Holdings, Inc. logo
PayPal Holdings, Inc.PYPL
25.1%+2.9pp
Affirm Holdings, Inc. logo
Affirm Holdings, Inc.AFRM
11.5%+9.9pp
CVB Financial logo
CVB FinancialCVBF
9.2%-0.2pp
Commerce Bancshares logo
Commerce BancsharesCBSH
14.8%-2.2pp

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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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 equity?
Bread Financial Holdings (BFH) reported return on equity of 17.6% in Q1 2026.
How has Bread Financial Holdings's return on equity changed year-over-year?
Bread Financial Holdings's return on equity increased by 91.5% year-over-year, from 9.2% to 17.6%.
What is the long-term trend for Bread Financial Holdings's return on equity?
Over 4 years (2020 to 2025), Bread Financial Holdings's return on equity has grown at a 4.3% compound annual growth rate (CAGR), from 13.7% to 16.3%.
What does return on equity mean?
Trailing-twelve-month net income divided by average shareholders' equity (average of the start and end of the trailing-twelve-month window). Measures the profit generated on each dollar of shareholder capital.