BFH vs FNMA
Bread Financial Holdings, Inc. and Federal National Mortgage Association Fannie MAE, side by side — 10 fiscal years reported in USD, drawn from SEC filings.
At a glance
Most recent reported year
| Metric | BFH | FNMA |
|---|---|---|
| Revenue | $3.8B | $29.0B |
| Net income | $518.0M | $14.4B |
| Gross margin | 37.0% | — |
| Net margin | 13.5% | 49.6% |
| Return on equity | 16.2% | 14.1% |
| Diluted EPS | $10.89 | $0.00 |
| Dividend / share | $0.86 | $0.75 |
| Payout ratio | 7.7% | — |
| Free cash flow | $1.8B | — |
| Equity | $3.3B | $109.0B |
| Net debt / equity | 0.21× | 37.73× |
| Current ratio | 1.88× | — |
| Revenue CAGR 5y | 3.1% | 2.7% |
| Profit CAGR 5y | 19.3% | 4.0% |
FNMA bills 7.5× the revenue of BFH, and keeps more of each dollar of revenue as profit (49.6% 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
10 years side by side
| Fiscal year | BFH | FNMA |
|---|---|---|
| FY2025 | $3.8B | $29.0B |
| FY2024 | $3.8B | $29.1B |
| FY2023 | $4.3B | $29.0B |
| FY2022 | $3.8B | $29.7B |
| FY2021 | $3.3B | $29.9B |
| FY2020 | $3.3B | $25.3B |
| FY2019 | $4.0B | $21.9B |
| FY2018 | $960.1M | $21.8B |
| FY2017 | $5.5B | $23.0B |
| FY2016 | $7.1B | $22.3B |
Net income by year
Bottom line
| Fiscal year | BFH | FNMA |
|---|---|---|
| FY2025 | $518.0M | $14.4B |
| FY2024 | $277.0M | $17.0B |
| FY2023 | $718.0M | $17.4B |
| FY2022 | $223.0M | $12.9B |
| FY2021 | $801.0M | $22.2B |
| FY2020 | $214.0M | $11.8B |
| FY2019 | $278.0M | $14.2B |
| FY2018 | $963.1M | $16.0B |
| FY2017 | $788.7M | $2.5B |
| FY2016 | $517.6M | $12.3B |
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The companies