BFH vs UWMC
Bread Financial Holdings, Inc. and UWM Holdings Corp., side by side — 7 fiscal years reported in USD, drawn from SEC filings.
At a glance
Most recent reported year
| Metric | BFH | UWMC |
|---|---|---|
| Revenue | $3.8B | $3.2B |
| Net income | $518.0M | $27.4M |
| Gross margin | — | — |
| Net margin | 13.5% | 7.7% |
| Return on equity | 16.2% | — |
| Diluted EPS | $10.89 | $0.12 |
| Dividend / share | $0.86 | — |
| Payout ratio | 7.7% | 287.1% |
| Free cash flow | — | $-2.7B |
| Equity | $3.3B | — |
| Net debt / equity | 0.21× | — |
| Current ratio | — | — |
| Revenue CAGR 5y | 3.1% | −8.5% |
| Profit CAGR 5y | 19.3% | — |
BFH bills 1.2× the revenue of UWMC, and keeps more of each dollar of revenue as profit (13.5% against 7.7%).
The stronger figure of the pair is set in bold. That is arithmetic, not a recommendation — this page does not pick a winner.
Revenue by year
7 years side by side
| Fiscal year | BFH | UWMC |
|---|---|---|
| FY2025 | $3.8B | $3.2B |
| FY2024 | $3.8B | $2.7B |
| FY2023 | $4.3B | $2.2B |
| FY2022 | $3.8B | $2.4B |
| FY2021 | $3.3B | $3.0B |
| FY2020 | $3.3B | $4.9B |
| FY2019 | $4.0B | $1.3B |
Net income by year
Bottom line
| Fiscal year | BFH | UWMC |
|---|---|---|
| FY2025 | $518.0M | $27.4M |
| FY2024 | $277.0M | $14.4M |
| FY2023 | $718.0M | $-13.2M |
| FY2022 | $223.0M | $41.7M |
| FY2021 | $801.0M | $98.4M |
| FY2020 | $214.0M | $3.4B |
| FY2019 | $278.0M | $415.1M |