BFH vs RKT
Bread Financial Holdings, Inc. and Rocket Companies, Inc., side by side — 8 fiscal years reported in USD, drawn from SEC filings.
Most recent reported year
| Metric | BFH | RKT |
|---|---|---|
| Revenue | $3.8B | $6.7B |
| Net income | $518.0M | $-68.0M |
| Gross margin | · | · |
| Net margin | 13.5% | −3.5% |
| Return on equity | 16.2% | −0.4% |
| Diluted EPS | $10.89 | −$0.05 |
| Dividend / share | $0.86 | · |
| Payout ratio | 7.7% | · |
| Free cash flow | · | $-4.0B |
| Equity | $3.3B | · |
| Net debt / equity | 0.21× | 0.50× |
| Current ratio | · | · |
| 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. "·" marks a figure not available in our data.
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 | $5.7B | $4.2B |
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 |
8 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2025 | −$2,850,000,000 | RKT |
| FY2024 | −$1,263,000,000 | RKT |
| FY2023 | +$490,000,000 | BFH |
| FY2022 | −$2,012,493,000 | RKT |
| FY2021 | −$9,642,466,000 | RKT |
| FY2020 | −$12,352,067,000 | RKT |
| FY2019 | −$1,019,102,000 | RKT |
| FY2018 | +$1,457,036,000 | BFH |
The higher-revenue side has changed between BFH and RKT over this period. The gap has widened since the earliest year compared.
8 of 18 comparable fiscal years — a year missing data on either side is not counted.
8 fiscal years
| Fiscal year | Difference | Ahead |
|---|---|---|
| FY2025 | +17.0 pp | BFH |
| FY2024 | −5.3 pp | RKT |
| FY2023 | +27.0 pp | BFH |
| FY2022 | −6.2 pp | RKT |
| FY2021 | −22.5 pp | RKT |
| FY2020 | −53.6 pp | RKT |
| FY2019 | −10.8 pp | RKT |
| FY2018 | +2.4 pp | BFH |
The higher net margin has changed hands between BFH and RKT over this period.
8 of 17 comparable fiscal years — a year missing data on either side is not counted.
Standard deviation, each side
RKT's net margin has been more volatile than BFH's over the 8 comparable fiscal years — 22.2 percentage points of standard deviation against 6.3.
8 of 17 comparable fiscal years — a year missing data on either side is not counted.
Year by year
The lead in net margin changed hands between BFH and RKT over these 8 fiscal years — BFH led in 3 and RKT in 5.
8 of 17 comparable fiscal years — a year missing data on either side is not counted.
Standard deviation, each side
BFH's return on equity has been more volatile than RKT's over the 8 comparable fiscal years — 14.0 percentage points of standard deviation against 1.5.
8 of 18 comparable fiscal years — a year missing data on either side is not counted.
Year by year
BFH led in return on equity in every one of the 8 comparable fiscal years — a structural lead, not a recent swing.
8 of 18 comparable fiscal years — a year missing data on either side is not counted.