Finanzas de Bread Financial Holdings, Inc. (BFH)BFHBread Financial Holdings, Inc.

Bread Financial Holdings, Inc. (BFH) generates its revenue through a diversified portfolio of business segments. Currently, the largest contributor to its top-line growth is Finance charges, net, accounting for 90.2% of total sales, equivalent to $991.70M. Other significant revenue streams include Card Services and LoyaltyOne. Understanding this composition is critical for investors evaluating how BFH navigates market cycles within the Consumer Lending industry.

Evaluating the bottom line, Bread Financial Holdings, Inc. maintains a gross margin of 70.11%. This metric reflects the company's pricing power and manufacturing efficiency. Further down the income statement, the operating margin stands at N/A, while the net margin is N/A. These profitability ratios, combined with a Return on Equity (ROE) of 15.78%, provide a clear picture of how effectively BFH converts its operational activities into shareholder value.

In the context of the broader market, BFH competes directly with industry leaders such as ENVA and CAR. With a market capitalization of $3.94B, it holds a significant position in the sector. When comparing efficiency, BFH's gross margin of 70.11% stands against ENVA's N/A and CAR's 26.72%. Such benchmarking helps identify whether Bread Financial Holdings, Inc. is trading at a premium or discount relative to its financial performance.

The company has shown solid revenue growth, with Q2 2026 revenue at $1.043 billion and a net income of $144 million, reflecting a net margin of 14%.