How Bread Financial Holdings, Inc. stacks up

BFH · against 161 other Financial Services companies listed in US-listed

Profitability

80/ 100

Near the top of its peers.

Ranked #31 of 162 · scores higher than 81% of peers

Bars: peers in each 10-point band of the profitability score

15 peers with a profitability score of 80–89, including BFH · Click a bar to see the companies

Why profitability scores 80?

Weighted metrics compared with all Financial Services companies.

Mainly thanks to its return on invested capital, which is stronger than most Financial Services peers.

Return on assets is close to the peer norm. Return on assets: 2.5% vs peer median 2.6%
Operating margin is not reported, so it is left out of the score.
a higher return on invested capital: stronger than 84% of peers. Return on invested capital: 24.6% vs peer median 6.3%

Metric by metric

Position: dot = BFH, ranked from the worst peer (left) to the best (right); tick = middle, shaded = middle half of peers.

Metric	BFH	Peer median	Better than	Position among peers	Weight
Return on invested capitalHigher is better · 157 reported	24.6%	7.1%	84%		33%
Operating marginHigher is better · 84 reported	Not reported	23.1%	—	—	33%
Return on assetsHigher is better · 183 reported	2.5%	2.6%	48%		33%
Return on equityHigher is better · 176 reported	15.9%	10.4%	63%		Context only
Gross marginHigher is better · 200 reported	0.0%	83.0%	1%		Context only

A metric that is not reported is left out of the score; the other weights are rescaled.

Ranking by profitability score

Top 5 and the companies ranked around BFH

Rank	Company	Market cap	Profitability	Overall
1	Mastercard IncorporatedMA · US-listed	566.9B USD	99	48
2	Artisan Partners Asset Management Inc.APAM · US-listed	2.7B USD	98	63
2	Raymond James Financial, Inc.RJF · US-listed	31.1B USD	98	65
4	CorVel CorporationCRVL · US-listed	4.2B USD	97	55
4	Sprott Inc.SII · US-listed	2.7B USD	97	58
⋯
27	Apollo Global Management, Inc.APO · US-listed	67.1B USD	82	51
27	Morningstar, Inc.MORN · US-listed	8.9B USD	82	50
27	Synchrony FinancialSYF · US-listed	24.5B USD	82	47
30	FinVolution GroupFINV · US-listed	685M USD	81	68
31	Bread Financial Holdings, Inc.BFH · US-listed	4.0B USD	80	66
31	TWFG, Inc.TWFG · US-listed	370M USD	80	85
33	Jefferson Capital, Inc.JCAP · US-listed	1.2B USD	79	60
33	Patria Investments LimitedPAX · US-listed	1.5B USD	79	58
33	S&P Global Inc.SPGI · US-listed	137.4B USD	79	50

Scores are sector-relative percentiles from the latest snapshot, always calculated against the whole sector: narrowing the comparison group changes who you compare with, not the scores. Missing metrics are left out and the remaining weights rescaled. How we score

Bringing the fundamentals into focus…