Revenue Breakdown
Composition ()
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Revenue Streams
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.
Profitability & Margins
Evaluating the bottom line, Bread Financial Holdings Inc maintains a gross margin of 80.88%. This metric reflects the company's pricing power and manufacturing efficiency. Further down the income statement, the operating margin stands at 4.51%, while the net margin is 5.09%. These profitability ratios, combined with a Return on Equity (ROE) of 16.34%, provide a clear picture of how effectively BFH converts its operational activities into shareholder value.
Comparative Benchmarking
In the context of the broader market, BFH competes directly with industry leaders such as HTGC and MGRC. With a market capitalization of $3.16B, it holds a significant position in the sector. When comparing efficiency, BFH's gross margin of 80.88% stands against HTGC's 98.23% and MGRC's 55.03%. Such benchmarking helps identify whether Bread Financial Holdings Inc is trading at a premium or discount relative to its financial performance.
