BFH vs RKT
Bread Financial Holdings, Inc. and Rocket Companies, Inc., side by side — 8 fiscal years reported in USD, drawn from SEC filings.
At a glance
Most recent reported year
| Metric | BFH | RKT |
|---|---|---|
| Revenue | $3.8B | $6.7B |
| Net income | $518.0M | $-68.0M |
| Gross margin | 37.0% | 45.3% |
| Net margin | 13.5% | −1.0% |
| Return on equity | 16.2% | — |
| Diluted EPS | $10.89 | — |
| Dividend / share | $0.86 | — |
| Payout ratio | 7.7% | — |
| Free cash flow | $1.8B | $-4.0B |
| Equity | $3.3B | — |
| Net debt / equity | 0.21× | — |
| Current ratio | 1.88× | — |
| Revenue CAGR 5y | 3.1% | −15.6% |
| Profit CAGR 5y | 19.3% | — |
RKT bills 1.7× the revenue of BFH, and RKT closed the last reported year at a loss.
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
8 years side by side
| Fiscal year | BFH | RKT |
|---|---|---|
| FY2025 | $3.8B | $6.7B |
| FY2024 | $3.8B | $5.1B |
| FY2023 | $4.3B | $3.8B |
| FY2022 | $3.8B | $5.8B |
| FY2021 | $3.3B | $12.9B |
| FY2020 | $3.3B | $15.7B |
| FY2019 | $4.0B | $5.1B |
| FY2018 | $960.1M | $4.2B |
Net income by year
Bottom line
| Fiscal year | BFH | RKT |
|---|---|---|
| FY2025 | $518.0M | $-68.0M |
| FY2024 | $277.0M | $29.0M |
| FY2023 | $718.0M | $-16.0M |
| FY2022 | $223.0M | $46.4M |
| FY2021 | $801.0M | $308.2M |
| FY2020 | $214.0M | $198.0M |
| FY2019 | $278.0M | $0 |
| FY2018 | $963.1M | $0 |
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