BFH vs FMCC
Bread Financial Holdings, Inc. and Federal Home Loan Mortgage Corporation, side by side — 9 fiscal years reported in USD, drawn from SEC filings.
At a glance
Most recent reported year
| Metric | BFH | FMCC |
|---|---|---|
| Revenue | $3.8B | $23.3B |
| Net income | $518.0M | $10.7B |
| Gross margin | 37.0% | — |
| Net margin | 13.5% | 46.1% |
| Return on equity | 16.2% | 16.5% |
| Diluted EPS | $10.89 | $0.02 |
| Dividend / share | $0.86 | — |
| Payout ratio | 7.7% | — |
| Free cash flow | $1.8B | — |
| Equity | $3.3B | $70.4B |
| Net debt / equity | 0.21× | 2.87× |
| Current ratio | 1.88× | — |
| Revenue CAGR 5y | 3.1% | 6.9% |
| Profit CAGR 5y | 19.3% | 7.9% |
FMCC bills 6.1× the revenue of BFH, and keeps more of each dollar of revenue as profit (46.1% against 13.5%).
The stronger figure of the pair is set in bold. That is arithmetic, not a recommendation — this page does not pick a winner.
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Revenue by year
9 years side by side
| Fiscal year | BFH | FMCC |
|---|---|---|
| FY2025 | $3.8B | $23.3B |
| FY2024 | $3.8B | $23.9B |
| FY2023 | $4.3B | $21.2B |
| FY2022 | $3.8B | $21.3B |
| FY2021 | $3.3B | $22.0B |
| FY2020 | $3.3B | $16.7B |
| FY2019 | $4.0B | $14.1B |
| FY2018 | $960.1M | $15.6B |
| FY2017 | $5.5B | $21.1B |
Net income by year
Bottom line
| Fiscal year | BFH | FMCC |
|---|---|---|
| FY2025 | $518.0M | $10.7B |
| FY2024 | $277.0M | $11.9B |
| FY2023 | $718.0M | $10.5B |
| FY2022 | $223.0M | $9.3B |
| FY2021 | $801.0M | $12.1B |
| FY2020 | $214.0M | $7.3B |
| FY2019 | $278.0M | $7.2B |
| FY2018 | $963.1M | $9.2B |
| FY2017 | $788.7M | $5.6B |
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The companies