BREAD FINANCIAL HOLDINGS, INC.
BFH · Financials · Bank · FY2025 filings ·
Scored by the financial-sector model
What the financial-sector model scores (bank)
Median ROE 16.2% on average equity, above the 10% hurdle in 89% of 9 years.
Q3 scored 2 evidenced ratios equally.
Profitable in 100% of 10 years, ROE volatile.
Net interest income is 17.57% of average assets, very steady over 7 years through FY2025.
Not scored for this company
- Book value growth
- Not enough years of equity and share counts to score book-value growth.
- Underwriting discipline
- Underwriting applies to insurance carriers; not part of the bank model.
Scored 4 of 5 applicable components (bank model); weights renormalized over the scored set.
Fundamentals
The 15-year revenue, margin, and ROIC series is built for the operating model’s lens and isn’t published for banks and insurers — a balance-sheet business is read through the components above, not through operating-company margins.
Financial-sector score history
| Reading | Score | Tier |
|---|---|---|
| Jul 26, 2026 | 87.5 | Wide moat |
| Jul 26, 2026 | 87.5 | Wide moat |
Append-only — readings are added, never rewritten. Only readings on the same methodology version (moat-index-financials@1.0.0) are comparable; a change across versions is a scoring change, not a company event.