BFHBREAD FINANCIAL HOLDINGS, INC.
Personal Credit Institutions
- Revenue
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- Operating margin
- —
- EBITDA
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- Market cap
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- Employees
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- Net debt / EBITDA
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- $1.8B net debt
- AI in 10-K
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Red flags 0 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear404% of net incomeCash flow under 80% of net income
- Dilutive SBCClear10% of revenueOver 10% of revenue
- Payouts exceed cash flowClear17% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear3% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Net income | $801M | $223M | $718M | $277M | $518M | 87% |
| Operating cash flow | $1.5B | $1.8B | $2.0B | $1.9B | $2.1B | 13% |
| Capex | $84M | $68M | — | — | — | |
| Stock-based comp | $29M | $33M | $44M | $54M | $56M | 3.7% |
| Buybacks | $0 | $12M | $35M | $55M | $313M | 469% |
| Dividends | $42M | $43M | $42M | $43M | $40M | 7.0% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $125K · 3
- Open-market sells, 12 mo
- $0 · 0
- Net
- $125K
Pay vs performance
| Year | CEO total comp | Comp actually paid | TSR (indexed) | Peer TSR |
|---|---|---|---|---|
| FY2025 | $12M | $19M | 137 | 200 |
| FY2024 | $11M | $22M | 111 | 175 |
| FY2023 | $8M | $8M | 59 | 135 |
| FY2022 | $9M | $4M | 65 | 121 |
| FY2021 | $11M | $11M | 114 | 135 |