BFHBread Financial Holdings, Inc.

$100.61+60% 1Y

Is the business good?

Mixed

The checks split: margins widening, but returns that lean on debt.

1 good, 1 to watch, 2 without data
Margin direction, 3 years+10.1 pts

Operating margin has widened over the past few years, the business is getting more profitable per dollar of sales.

Where ROE comes from6.7× leverage

Leverage-amplified, a high assets-to-equity ratio does much of the work. ROE 16% = margin × turnover × leverage.

All from derived.

Where this answer is blind. The F-score rewards improvement, so an already-elite company can score mid-pack.