Bread Financial Holdings, Inc. — Earnings Quality Grade C
BFH · Financial Services
Some red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 14 days, change +0 days YoY
AR outpaced revenue for 2 consecutive years
Revenue 0.2%, CFFO 12.5%. Cash follows revenue
Expense Quality
No material inventory
Insufficient data
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 4.04. Profits backed by cash
FCF $2.1B, FCF/NI = 4.04
Accruals ratio = -6.9%. Low accruals
Cash $3.6B covers 82% of debt $4.4B
Balance Sheet Health
Goodwill+Intangibles $0.7B = 22% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -4% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
Monitor BFH continuously
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Altman Z-Score — Not Applicable
Bread Financial Holdings, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25