Profitability
Weight: 25%
D-
29
- 5yr Avg ROIC 6.4%
- Operating Margin Trend -3.66 pp/yr
BFH
Bread Financial Holdings, Inc.
AlphaQuality composite grade, weighted for platform & compounding fcf businesses.
Capital Efficiency
Weight: 15%
A-
86
- 5yr Avg ROE 19.5%
- 5yr Share-Count CAGR -0.8%
Growth Quality
Weight: 25%
B
73
- 5yr Revenue CAGR 7.3%
- 5yr EPS CAGR 19.7%
- Revenue-Growth Years (5) 2/5
Cash Generation
Weight: 20%
A-
84
- 5yr FCF Margin 41.4%
- 5yr FCF/NI Conversion 4.66x
Balance Sheet
Weight: 10%
D+
42
- Net Debt / EBITDA 0.89x
- Interest Coverage (EBIT/Int) 0.72x
- Altman Z-Score -0.05
Stability
Weight: 5%
C-
50
- EPS Volatility (σ/μ) 0.45
- Negative-Revenue Years (5) 3/5
- Piotroski F-Score 7
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 2 gurus held; 1 new buy; 1 full exit.
- Holders
- 2
- Avg Δ position
- 0.0%
- New buys
- 1
- Full exits
- 1