BFH - BREAD FINANCIAL HOLDINGS, INC.

📈 Is growth accelerating? 6 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q3 FY2017 Sep 30, 2017 10-Q ↗	Q2 FY2017 Jun 30, 2017 10-Q ↗	Q1 FY2017 Mar 31, 2017 10-Q ↗	Q4 FY2016 Dec 31, 2016 10-K ↗	Q3 FY2016 Sep 30, 2016 10-Q ↗	Q2 FY2016 Jun 30, 2016 10-Q ↗	Q1 FY2016 Mar 31, 2016 10-Q ↗	Q4 FY2015 Dec 31, 2015 10-K ↗	Q3 FY2015 Sep 30, 2015 10-Q ↗	Q2 FY2015 Jun 30, 2015 10-Q ↗	Q1 FY2015 Mar 31, 2015 10-Q ↗	Q4 FY2014 Dec 31, 2014 10-K ↗	Q3 FY2014 Sep 30, 2014 10-Q ↗	Q2 FY2014 Jun 30, 2014 10-Q ↗	Q1 FY2014 Mar 31, 2014 10-Q ↗	Q4 FY2013 Dec 31, 2013 10-K ↗	Q3 FY2013 Sep 30, 2013 10-Q ↗	Q2 FY2013 Jun 30, 2013 10-Q ↗	Q1 FY2013 Mar 31, 2013 10-Q ↗	Q4 FY2012 Dec 31, 2012 10-K ↗	Q3 FY2012 Sep 30, 2012 10-Q ↗	Q2 FY2012 Jun 30, 2012 10-Q ↗	Q1 FY2012 Mar 31, 2012 10-Q ↗	Q4 FY2011 Dec 31, 2011 10-K ↗	Q3 FY2011 Sep 30, 2011 10-Q ↗	Q2 FY2011 Jun 30, 2011 10-Q ↗	Q1 FY2011 Mar 31, 2011 10-Q ↗	Q4 FY2010 Dec 31, 2010 10-K ↗	Q3 FY2010 Sep 30, 2010 10-Q ↗	Q2 FY2010 Jun 30, 2010 10-Q ↗	Q1 FY2010 Mar 31, 2010 10-Q ↗	Q4 FY2009 Dec 31, 2009 10-K ↗	Q3 FY2009 Sep 30, 2009 10-Q ↗	Q2 FY2009 Jun 30, 2009 10-Q ↗	Q1 FY2009 Dec 31, 2008 10-Q ↗	Q4 FY2008 Dec 31, 2008 10-K ↗	Q4 FY2007 Dec 31, 2007 10-K ↗
Revenue Growth YoY (%)	6.9% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+15%)	4.9% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-18%)	—	-1.2% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-120%)	-1.1% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-118%)	-2.1% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-135%)	—	-4.7% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-178%)	-1.4% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-123%)	-23.1% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-485%)	—	5.3% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-11%)	6.6% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+10%)	40.0% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+566%)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EPS Growth YoY (%)	21.9% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	49.1% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	814.3% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	7980.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	10.4% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	3.7% Caution ↑ Caution Improving Year-over-year change in earnings per share Optimal: > 10%	-84.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-98.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	183.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-70.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	N/M	27.9% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	280.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	115.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	N/M	-40.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-95.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-26.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	41.7% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	61.3% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	579.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	814.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-88.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	N/M	-69.4% Weak → Weak Stable Year-over-year change in earnings per share Optimal: > 10%	-77.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-61.8% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	N/M	-32.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-5.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	7.3% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	28.5% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	58.9% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	13.8% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	2127.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	18.3% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	100.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	10.2% Fair ↑ Fair Improving Year-over-year change in earnings per share Optimal: > 10%	-90.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	70.3% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-41.5% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	0.9% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	218.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-26.4% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	-16.5% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	-9.7% Weak ↑ Weak Improving Year-over-year change in earnings per share Optimal: > 10%	-69.2% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	4.0% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	7.2% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	0.0% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	42.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	14.2% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	14.5% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	12.6% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	26.3% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	28.5% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	53.3% Excellent → Excellent Stable Year-over-year change in earnings per share Optimal: > 10%	36.1% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	47.8% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	84.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	51.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	89.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	16.9% Good ↓ Good Declining Year-over-year change in earnings per share Optimal: > 10%	16.1% Good Good Year-over-year change in earnings per share Optimal: > 10%	71.2% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—	—	—	—
Net Income Growth YoY (%)	5.0% Fair ↓ Fair Declining Year-over-year change in net income	31.2% Excellent ↓ Excellent Declining Year-over-year change in net income	671.4% Excellent ↓ Excellent Declining Year-over-year change in net income	9300.0% Excellent ↑ Excellent Improving Year-over-year change in net income	4.5% Caution ↑ Caution Improving Year-over-year change in net income	3.0% Caution ↑ Caution Improving Year-over-year change in net income	-83.7% Weak ↓ Weak Declining Year-over-year change in net income	-98.8% Weak ↓ Weak Declining Year-over-year change in net income	177.1% Excellent ↑ Excellent Improving Year-over-year change in net income	-70.5% Weak ↓ Weak Declining Year-over-year change in net income	N/M	27.6% Excellent ↓ Excellent Declining Year-over-year change in net income	300.0% Excellent ↑ Excellent Improving Year-over-year change in net income	116.7% Excellent ↑ Excellent Improving Year-over-year change in net income	N/M	-40.1% Weak ↓ Weak Declining Year-over-year change in net income	-95.6% Weak ↓ Weak Declining Year-over-year change in net income	-26.6% Weak ↓ Weak Declining Year-over-year change in net income	46.3% Excellent ↓ Excellent Declining Year-over-year change in net income	67.8% Excellent ↓ Excellent Declining Year-over-year change in net income	612.2% Excellent ↑ Excellent Improving Year-over-year change in net income	854.0% Excellent ↑ Excellent Improving Year-over-year change in net income	-87.4% Weak ↓ Weak Declining Year-over-year change in net income	N/M	-72.4% Weak → Weak Stable Year-over-year change in net income	-79.9% Weak ↓ Weak Declining Year-over-year change in net income	-65.8% Weak ↓ Weak Declining Year-over-year change in net income	N/M	-36.2% Weak ↓ Weak Declining Year-over-year change in net income	-9.0% Weak ↓ Weak Declining Year-over-year change in net income	—	27.1% Excellent ↓ Excellent Declining Year-over-year change in net income	58.2% Excellent ↑ Excellent Improving Year-over-year change in net income	12.0% Fair ↑ Fair Improving Year-over-year change in net income	—	12.4% Fair ↑ Fair Improving Year-over-year change in net income	-2.1% Weak ↓ Weak Declining Year-over-year change in net income	-7.9% Weak ↓ Weak Declining Year-over-year change in net income	—	59.1% Excellent ↑ Excellent Improving Year-over-year change in net income	8.2% Fair ↑ Fair Improving Year-over-year change in net income	-3.6% Weak ↑ Weak Improving Year-over-year change in net income	—	-21.0% Weak ↓ Weak Declining Year-over-year change in net income	-6.6% Weak ↓ Weak Declining Year-over-year change in net income	21.4% Good → Good Stable Year-over-year change in net income	—	24.1% Good ↑ Good Improving Year-over-year change in net income	19.5% Good ↑ Good Improving Year-over-year change in net income	5.2% Fair ↓ Fair Declining Year-over-year change in net income	—	11.2% Fair ↓ Fair Declining Year-over-year change in net income	12.2% Fair ↓ Fair Declining Year-over-year change in net income	11.9% Fair ↓ Fair Declining Year-over-year change in net income	—	27.2% Excellent ↓ Excellent Declining Year-over-year change in net income	50.4% Excellent ↓ Excellent Declining Year-over-year change in net income	33.4% Excellent ↓ Excellent Declining Year-over-year change in net income	—	77.1% Excellent ↑ Excellent Improving Year-over-year change in net income	45.9% Excellent ↓ Excellent Declining Year-over-year change in net income	85.1% Excellent ↑ Excellent Improving Year-over-year change in net income	—	15.9% Good Good Year-over-year change in net income	60.8% Excellent Excellent Year-over-year change in net income	—	—	—	—	—	—	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	1.4% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-7.6% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	—	-0.3% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	1.3% Weak Weak Compound annual revenue growth over 3 years	1.7% Weak Weak Compound annual revenue growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EPS CAGR 3Y (%)	56.2% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-22.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	—	14.5% Good ↓ Good Declining Compound annual EPS growth over 3 years	128.2% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-12.7% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-25.6% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	-77.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-21.2% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-22.2% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	55.9% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	7.2% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	5.5% Fair Fair Compound annual EPS growth over 3 years	143.5% Excellent Excellent Compound annual EPS growth over 3 years	—	—	-54.5% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	14.5% Good ↑ Good Improving Compound annual EPS growth over 3 years	-59.9% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-6.0% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	11.8% Good ↑ Good Improving Compound annual EPS growth over 3 years	24.8% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	-63.4% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-12.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-31.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-37.7% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	109.1% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	—	28.8% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	6.0% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	30.6% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	37.3% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	22.9% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	8.1% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	87.8% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	14.0% Good ↑ Good Improving Compound annual EPS growth over 3 years	-0.8% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	0.1% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	-54.9% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	9.3% Fair ↑ Fair Improving Compound annual EPS growth over 3 years	-19.4% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	-3.1% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	12.0% Good ↑ Good Improving Compound annual EPS growth over 3 years	-4.4% Weak ↑ Weak Improving Compound annual EPS growth over 3 years	0.8% Caution ↑ Caution Improving Compound annual EPS growth over 3 years	0.6% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	-17.8% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	15.2% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	23.5% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	15.3% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	38.7% Excellent → Excellent Stable Compound annual EPS growth over 3 years	39.3% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	38.6% Excellent → Excellent Stable Compound annual EPS growth over 3 years	42.8% Excellent → Excellent Stable Compound annual EPS growth over 3 years	29.7% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	40.1% Excellent Excellent Compound annual EPS growth over 3 years	58.5% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q3 FY2017 Sep 30, 2017 10-Q ↗	Q2 FY2017 Jun 30, 2017 10-Q ↗	Q1 FY2017 Mar 31, 2017 10-Q ↗	Q4 FY2016 Dec 31, 2016 10-K ↗	Q3 FY2016 Sep 30, 2016 10-Q ↗	Q2 FY2016 Jun 30, 2016 10-Q ↗	Q1 FY2016 Mar 31, 2016 10-Q ↗	Q4 FY2015 Dec 31, 2015 10-K ↗	Q3 FY2015 Sep 30, 2015 10-Q ↗	Q2 FY2015 Jun 30, 2015 10-Q ↗	Q1 FY2015 Mar 31, 2015 10-Q ↗	Q4 FY2014 Dec 31, 2014 10-K ↗	Q3 FY2014 Sep 30, 2014 10-Q ↗	Q2 FY2014 Jun 30, 2014 10-Q ↗	Q1 FY2014 Mar 31, 2014 10-Q ↗	Q4 FY2013 Dec 31, 2013 10-K ↗	Q3 FY2013 Sep 30, 2013 10-Q ↗	Q2 FY2013 Jun 30, 2013 10-Q ↗	Q1 FY2013 Mar 31, 2013 10-Q ↗	Q4 FY2012 Dec 31, 2012 10-K ↗	Q3 FY2012 Sep 30, 2012 10-Q ↗	Q2 FY2012 Jun 30, 2012 10-Q ↗	Q1 FY2012 Mar 31, 2012 10-Q ↗	Q4 FY2011 Dec 31, 2011 10-K ↗	Q3 FY2011 Sep 30, 2011 10-Q ↗	Q2 FY2011 Jun 30, 2011 10-Q ↗	Q1 FY2011 Mar 31, 2011 10-Q ↗	Q4 FY2010 Dec 31, 2010 10-K ↗	Q3 FY2010 Sep 30, 2010 10-Q ↗	Q2 FY2010 Jun 30, 2010 10-Q ↗	Q1 FY2010 Mar 31, 2010 10-Q ↗	Q4 FY2009 Dec 31, 2009 10-K ↗	Q3 FY2009 Sep 30, 2009 10-Q ↗	Q2 FY2009 Jun 30, 2009 10-Q ↗	Q1 FY2009 Dec 31, 2008 10-Q ↗	Q4 FY2008 Dec 31, 2008 10-K ↗	Q4 FY2007 Dec 31, 2007 10-K ↗
Operating Margin (%) (%)	19.8% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-21%)	23.9% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	—	20.2% Good → Good Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-19%)	18.7% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-25%)	20.3% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-19%)	—	4.1% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-84%)	19.2% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-23%)	19.0% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-24%)	—	21.8% Good ↓ Good Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-13%)	9.0% Caution ↓ Caution Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-64%)	49.5% Excellent ↑ Excellent Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+98%)	—	19.3% Good ↑ Good Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-23%)	1.8% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-93%)	32.8% Excellent Excellent Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+31%)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Effective Tax Rate (%) (%)	25.9% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.5% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-12.8% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	4.1% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	20.1% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.9% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	125.9% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	92.5% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.1% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.2% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-144.4% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.1% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.6% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.7% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	35.6% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.1% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.0% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	30.1% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	6.2% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	23.0% Fair ↓ Fair Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.4% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.4% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	88.0% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	24.2% Fair ↑ Fair Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	18.3% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-18.1% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.9% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.9% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	26.5% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.0% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	30.4% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	16.0% Good ↓ Good Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	14.5% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.0% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	12.5% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	30.1% Weak ↓ Weak Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	35.6% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	82.9% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Profit Margin (%) (%)	14.7% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-33%)	17.8% Good → Good Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-19%)	—	19.4% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-12%)	15.0% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-32%)	14.2% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-35%)	—	0.2% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-99%)	14.2% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-36%)	13.5% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-39%)	—	16.6% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-25%)	5.0% Caution ↓ Caution Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-77%)	35.3% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+60%)	—	13.7% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-38%)	1.3% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-94%)	22.8% Excellent Excellent Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q3 FY2017 Sep 30, 2017 10-Q ↗	Q2 FY2017 Jun 30, 2017 10-Q ↗	Q1 FY2017 Mar 31, 2017 10-Q ↗	Q4 FY2016 Dec 31, 2016 10-K ↗	Q3 FY2016 Sep 30, 2016 10-Q ↗	Q2 FY2016 Jun 30, 2016 10-Q ↗	Q1 FY2016 Mar 31, 2016 10-Q ↗	Q4 FY2015 Dec 31, 2015 10-K ↗	Q3 FY2015 Sep 30, 2015 10-Q ↗	Q2 FY2015 Jun 30, 2015 10-Q ↗	Q1 FY2015 Mar 31, 2015 10-Q ↗	Q4 FY2014 Dec 31, 2014 10-K ↗	Q3 FY2014 Sep 30, 2014 10-Q ↗	Q2 FY2014 Jun 30, 2014 10-Q ↗	Q1 FY2014 Mar 31, 2014 10-Q ↗	Q4 FY2013 Dec 31, 2013 10-K ↗	Q3 FY2013 Sep 30, 2013 10-Q ↗	Q2 FY2013 Jun 30, 2013 10-Q ↗	Q1 FY2013 Mar 31, 2013 10-Q ↗	Q4 FY2012 Dec 31, 2012 10-K ↗	Q3 FY2012 Sep 30, 2012 10-Q ↗	Q2 FY2012 Jun 30, 2012 10-Q ↗	Q1 FY2012 Mar 31, 2012 10-Q ↗	Q4 FY2011 Dec 31, 2011 10-K ↗	Q3 FY2011 Sep 30, 2011 10-Q ↗	Q2 FY2011 Jun 30, 2011 10-Q ↗	Q1 FY2011 Mar 31, 2011 10-Q ↗	Q4 FY2010 Dec 31, 2010 10-K ↗	Q3 FY2010 Sep 30, 2010 10-Q ↗	Q2 FY2010 Jun 30, 2010 10-Q ↗	Q1 FY2010 Mar 31, 2010 10-Q ↗	Q4 FY2009 Dec 31, 2009 10-K ↗	Q3 FY2009 Sep 30, 2009 10-Q ↗	Q2 FY2009 Jun 30, 2009 10-Q ↗	Q1 FY2009 Dec 31, 2008 10-Q ↗	Q4 FY2008 Dec 31, 2008 10-K ↗	Q4 FY2007 Dec 31, 2007 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	0.7% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	—	0.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	0.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	—	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	—	0.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	—	1.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	—	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	—	1.1% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	—	1.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.5% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.3% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	—	1.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.4% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.5% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.4% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.7% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.3% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	2.4% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.5% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	2.4% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	—	2.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	2.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	—	2.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	2.0% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	—	—	—	—
Return on Common Equity (%) (%)	4.3% Weak → Weak Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-64%)	5.4% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-55%)	1.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-86%)	5.7% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-53%)	4.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-63%)	4.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-63%)	0.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-98%)	0.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-99%)	4.2% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-65%)	4.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-63%)	1.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-88%)	6.0% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-50%)	1.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-85%)	16.8% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+40%)	-5.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-149%)	5.6% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-53%)	0.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-96%)	9.3% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-23%)	0.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-93%)	10.0% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-17%)	13.4% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+11%)	16.2% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+35%)	0.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-93%)	10.1% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-16%)	3.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-72%)	2.8% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-77%)	6.1% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-49%)	-7.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-160%)	5.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-52%)	6.7% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-45%)	12.2% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	12.9% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+8%)	10.3% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-14%)	8.2% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-32%)	—	14.6% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+22%)	9.7% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-19%)	10.7% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-11%)	—	11.6% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	8.1% Caution → Caution Stable Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-32%)	9.1% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-24%)	—	6.7% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-44%)	6.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-45%)	8.6% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-28%)	—	15.3% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+27%)	14.7% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+22%)	14.3% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+19%)	—	18.7% Good ↓ Good Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+56%)	20.0% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+67%)	21.3% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+78%)	—	24.3% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+102%)	28.8% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+140%)	39.3% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+227%)	—	64.4% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+436%)	79.2% Excellent ↓ Excellent Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+560%)	169.4% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+1312%)	—	115.9% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+866%)	136.0% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+1034%)	—	—	—	—	—	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q3 FY2017 Sep 30, 2017 10-Q ↗	Q2 FY2017 Jun 30, 2017 10-Q ↗	Q1 FY2017 Mar 31, 2017 10-Q ↗	Q4 FY2016 Dec 31, 2016 10-K ↗	Q3 FY2016 Sep 30, 2016 10-Q ↗	Q2 FY2016 Jun 30, 2016 10-Q ↗	Q1 FY2016 Mar 31, 2016 10-Q ↗	Q4 FY2015 Dec 31, 2015 10-K ↗	Q3 FY2015 Sep 30, 2015 10-Q ↗	Q2 FY2015 Jun 30, 2015 10-Q ↗	Q1 FY2015 Mar 31, 2015 10-Q ↗	Q4 FY2014 Dec 31, 2014 10-K ↗	Q3 FY2014 Sep 30, 2014 10-Q ↗	Q2 FY2014 Jun 30, 2014 10-Q ↗	Q1 FY2014 Mar 31, 2014 10-Q ↗	Q4 FY2013 Dec 31, 2013 10-K ↗	Q3 FY2013 Sep 30, 2013 10-Q ↗	Q2 FY2013 Jun 30, 2013 10-Q ↗	Q1 FY2013 Mar 31, 2013 10-Q ↗	Q4 FY2012 Dec 31, 2012 10-K ↗	Q3 FY2012 Sep 30, 2012 10-Q ↗	Q2 FY2012 Jun 30, 2012 10-Q ↗	Q1 FY2012 Mar 31, 2012 10-Q ↗	Q4 FY2011 Dec 31, 2011 10-K ↗	Q3 FY2011 Sep 30, 2011 10-Q ↗	Q2 FY2011 Jun 30, 2011 10-Q ↗	Q1 FY2011 Mar 31, 2011 10-Q ↗	Q4 FY2010 Dec 31, 2010 10-K ↗	Q3 FY2010 Sep 30, 2010 10-Q ↗	Q2 FY2010 Jun 30, 2010 10-Q ↗	Q1 FY2010 Mar 31, 2010 10-Q ↗	Q4 FY2009 Dec 31, 2009 10-K ↗	Q3 FY2009 Sep 30, 2009 10-Q ↗	Q2 FY2009 Jun 30, 2009 10-Q ↗	Q1 FY2009 Dec 31, 2008 10-Q ↗	Q4 FY2008 Dec 31, 2008 10-K ↗	Q4 FY2007 Dec 31, 2007 10-K ↗
Debt to Equity (x)	—	—	1.29x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+8%)	1.14x Caution ↓ Caution Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: At sector avg	—	1.67x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+39%)	1.82x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+52%)	—	—	—	—	1.47x Caution Caution Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+23%)	1.72x Weak Weak Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+43%)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q3 FY2017 Sep 30, 2017 10-Q ↗	Q2 FY2017 Jun 30, 2017 10-Q ↗	Q1 FY2017 Mar 31, 2017 10-Q ↗	Q4 FY2016 Dec 31, 2016 10-K ↗	Q3 FY2016 Sep 30, 2016 10-Q ↗	Q2 FY2016 Jun 30, 2016 10-Q ↗	Q1 FY2016 Mar 31, 2016 10-Q ↗	Q4 FY2015 Dec 31, 2015 10-K ↗	Q3 FY2015 Sep 30, 2015 10-Q ↗	Q2 FY2015 Jun 30, 2015 10-Q ↗	Q1 FY2015 Mar 31, 2015 10-Q ↗	Q4 FY2014 Dec 31, 2014 10-K ↗	Q3 FY2014 Sep 30, 2014 10-Q ↗	Q2 FY2014 Jun 30, 2014 10-Q ↗	Q1 FY2014 Mar 31, 2014 10-Q ↗	Q4 FY2013 Dec 31, 2013 10-K ↗	Q3 FY2013 Sep 30, 2013 10-Q ↗	Q2 FY2013 Jun 30, 2013 10-Q ↗	Q1 FY2013 Mar 31, 2013 10-Q ↗	Q4 FY2012 Dec 31, 2012 10-K ↗	Q3 FY2012 Sep 30, 2012 10-Q ↗	Q2 FY2012 Jun 30, 2012 10-Q ↗	Q1 FY2012 Mar 31, 2012 10-Q ↗	Q4 FY2011 Dec 31, 2011 10-K ↗	Q3 FY2011 Sep 30, 2011 10-Q ↗	Q2 FY2011 Jun 30, 2011 10-Q ↗	Q1 FY2011 Mar 31, 2011 10-Q ↗	Q4 FY2010 Dec 31, 2010 10-K ↗	Q3 FY2010 Sep 30, 2010 10-Q ↗	Q2 FY2010 Jun 30, 2010 10-Q ↗	Q1 FY2010 Mar 31, 2010 10-Q ↗	Q4 FY2009 Dec 31, 2009 10-K ↗	Q3 FY2009 Sep 30, 2009 10-Q ↗	Q2 FY2009 Jun 30, 2009 10-Q ↗	Q1 FY2009 Dec 31, 2008 10-Q ↗	Q4 FY2008 Dec 31, 2008 10-K ↗	Q4 FY2007 Dec 31, 2007 10-K ↗
Revenue per Share (USD)	$24.89	$23.79	—	$20.88	$19.89	$19.80	—	$19.78	$18.93	$20.02	—	$20.66	$19.00	$25.78	—	$19.66	$17.93	$18.46	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Basic EPS, GAAP (USD)	$3.62	$4.19	$1.28	$4.04	$2.97	$2.81	$0.14	$0.05	$2.69	$2.71	$0.91	$3.44	$0.95	$9.10	$-2.69	$2.69	$0.25	$4.22	$0.34	$4.50	$5.50	$5.76	$0.24	$2.79	$0.81	$0.63	$2.01	$-2.22	$2.65	$2.81	$5.26	$5.41	$3.94	$2.96	$4.90	$4.21	$2.48	$2.60	$0.22	$3.56	$1.24	$2.36	$2.36	$2.09	$2.12	$2.34	$0.74	$2.84	$2.54	$2.59	$2.40	$2.73	$2.37	$2.59	$1.68	$2.39	$2.07	$2.30	$1.33	$1.86	$1.35	$1.69	$0.90	$1.01	$0.89	$0.89	$0.77	$0.87	$0.52	—	—	—
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$0.23	$0.23	$0.23	$0.21	$0.21	$0.21	$0.21	$0.21	$0.21	$0.21	$0.21	$0.21	$0.21	$0.21	$0.21	$0.21	$0.21	$0.21	—	$0.21	$0.21	$0.21	—	$0.63	$0.63	$0.63	—	$0.63	$0.63	$0.63	—	$0.57	$0.57	$0.57	—	$0.52	$0.52	$0.52	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Book Value per Share (USD)	$86.95	$80.51	$75.44	$71.33	$67.79	$62.61	$62.14	$62.62	$63.91	$61.25	—	$57.39	$54.61	$54.32	—	$48.17	$45.68	$45.45	—	$45.09	$41.21	$35.50	—	$27.73	$24.26	$22.85	—	$30.67	$46.62	$42.25	—	$41.81	$38.39	$36.13	—	$28.77	$25.63	$24.18	—	$30.60	$29.42	$29.12	—	$31.71	$31.64	$30.30	—	$18.72	$17.49	$17.91	—	$14.61	$11.82	$12.15	—	$9.86	$7.20	$5.85	—	$2.88	$1.71	—	—	$0.87	$0.65	—	—	—	—	—	—	—
Tangible Book Value per Share (USD)	$86.95	$80.51	$59.21	$71.33	$67.79	$62.61	$46.95	$62.62	$63.91	$61.25	—	$57.39	$54.61	$54.32	—	$48.17	$45.68	$45.45	—	$16.84	$12.45	$6.81	—	$5.53	$2.12	$0.60	—	$7.89	$24.09	$20.75	—	$-39.59	$-43.59	$-47.45	—	$-55.83	$-59.34	$-59.93	—	$-53.70	$-55.00	$-55.08	—	$-51.38	$-51.54	$-52.07	—	$-33.21	$-39.61	$-41.23	—	$-31.21	$-34.12	$-34.00	—	$-27.42	$-28.65	$-30.46	—	$-33.57	$-35.25	—	—	$-28.54	$-26.52	—	—	—	—	—	—	—
Basic Weighted Avg Shares (shares)	39.90M	42.80M	—	46.50M	46.70M	49.00M	—	49.70M	49.60M	49.50M	—	49.90M	50.10M	50.00M	—	49.80M	49.80M	49.90M	—	49.80M	49.70M	49.70M	—	47.70M	47.60M	47.60M	—	48.80M	51.30M	53.00M	—	54.80M	55.20M	55.40M	—	55.40M	55.60M	56.40M	—	58.30M	58.80M	59.80M	—	61.43M	61.93M	63.08M	—	57.74M	54.15M	53.03M	—	48.71M	49.12M	49.76M	—	49.94M	50.16M	50.15M	—	50.64M	51.07M	51,122	—	52.58M	53.19M	52,441	—	52.84M	56.92M	—	—	—
Dividend Payout Ratio (%)	6.4% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	5.5% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	18.0% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	5.2% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	7.1% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	7.5% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	150.0% Weak → Weak Stable Dividends paid as a percentage of earnings Optimal: 30-60%	420.0% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	7.8% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	7.7% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	23.1% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	6.1% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	22.1% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	2.3% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	-7.8% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	7.8% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	84.0% Caution ↑ Caution Improving Dividends paid as a percentage of earnings Optimal: 30-60%	5.0% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	—	4.7% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	3.8% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	3.6% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	—	22.6% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	77.8% Caution ↑ Caution Improving Dividends paid as a percentage of earnings Optimal: 30-60%	100.0% Weak ↑ Weak Improving Dividends paid as a percentage of earnings Optimal: 30-60%	—	-28.4% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	23.8% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	22.4% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	—	10.5% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	14.5% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	19.3% Excellent ↑ Excellent Improving Dividends paid as a percentage of earnings Optimal: 30-60%	—	12.4% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	21.0% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	20.0% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q3 FY2017 Sep 30, 2017 10-Q ↗	Q2 FY2017 Jun 30, 2017 10-Q ↗	Q1 FY2017 Mar 31, 2017 10-Q ↗	Q4 FY2016 Dec 31, 2016 10-K ↗	Q3 FY2016 Sep 30, 2016 10-Q ↗	Q2 FY2016 Jun 30, 2016 10-Q ↗	Q1 FY2016 Mar 31, 2016 10-Q ↗	Q4 FY2015 Dec 31, 2015 10-K ↗	Q3 FY2015 Sep 30, 2015 10-Q ↗	Q2 FY2015 Jun 30, 2015 10-Q ↗	Q1 FY2015 Mar 31, 2015 10-Q ↗	Q4 FY2014 Dec 31, 2014 10-K ↗	Q3 FY2014 Sep 30, 2014 10-Q ↗	Q2 FY2014 Jun 30, 2014 10-Q ↗	Q1 FY2014 Mar 31, 2014 10-Q ↗	Q4 FY2013 Dec 31, 2013 10-K ↗	Q3 FY2013 Sep 30, 2013 10-Q ↗	Q2 FY2013 Jun 30, 2013 10-Q ↗	Q1 FY2013 Mar 31, 2013 10-Q ↗	Q4 FY2012 Dec 31, 2012 10-K ↗	Q3 FY2012 Sep 30, 2012 10-Q ↗	Q2 FY2012 Jun 30, 2012 10-Q ↗	Q1 FY2012 Mar 31, 2012 10-Q ↗	Q4 FY2011 Dec 31, 2011 10-K ↗	Q3 FY2011 Sep 30, 2011 10-Q ↗	Q2 FY2011 Jun 30, 2011 10-Q ↗	Q1 FY2011 Mar 31, 2011 10-Q ↗	Q4 FY2010 Dec 31, 2010 10-K ↗	Q3 FY2010 Sep 30, 2010 10-Q ↗	Q2 FY2010 Jun 30, 2010 10-Q ↗	Q1 FY2010 Mar 31, 2010 10-Q ↗	Q4 FY2009 Dec 31, 2009 10-K ↗	Q3 FY2009 Sep 30, 2009 10-Q ↗	Q2 FY2009 Jun 30, 2009 10-Q ↗	Q1 FY2009 Dec 31, 2008 10-Q ↗	Q4 FY2008 Dec 31, 2008 10-K ↗	Q4 FY2007 Dec 31, 2007 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	—	—	$4.31B	$3.79B	—	$5.12B	$5.56B	—	—	—	—	$4.22B	$4.70B	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Total Equity (USD)	$3.37B	$3.33B	$3.33B	$3.32B	$3.17B	$3.07B	$3.05B	$3.11B	$3.17B	$3.03B	$2.92B	$2.86B	$2.74B	$2.72B	$2.27B	$2.40B	$2.27B	$2.27B	$2.09B	$2.25B	$2.05B	$1.76B	$1.52B	$1.32B	$1.15B	$1.09B	$1.59B	$1.50B	$2.39B	$2.24B	$2.33B	$2.29B	$2.12B	$2.00B	$1.86B	$1.59B	$1.42B	$1.36B	$1.66B	$1.78B	$1.73B	$1.74B	$2.01B	$1.95B	$1.96B	$1.91B	$2.40B	$1.08B	$947.32M	$949.91M	$855.76M	$711.42M	$580.85M	$604.53M	$528.49M	$492.49M	$360.99M	$293.57M	$175.97M	$146.01M	$87.13M	$50.99M	$23.09M	$45.77M	$34.79M	—	$272.78M	—	—	—	$547.30M	$1.20B

📋 What is driving earnings? 4 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q3 FY2017 Sep 30, 2017 10-Q ↗	Q2 FY2017 Jun 30, 2017 10-Q ↗	Q1 FY2017 Mar 31, 2017 10-Q ↗	Q4 FY2016 Dec 31, 2016 10-K ↗	Q3 FY2016 Sep 30, 2016 10-Q ↗	Q2 FY2016 Jun 30, 2016 10-Q ↗	Q1 FY2016 Mar 31, 2016 10-Q ↗	Q4 FY2015 Dec 31, 2015 10-K ↗	Q3 FY2015 Sep 30, 2015 10-Q ↗	Q2 FY2015 Jun 30, 2015 10-Q ↗	Q1 FY2015 Mar 31, 2015 10-Q ↗	Q4 FY2014 Dec 31, 2014 10-K ↗	Q3 FY2014 Sep 30, 2014 10-Q ↗	Q2 FY2014 Jun 30, 2014 10-Q ↗	Q1 FY2014 Mar 31, 2014 10-Q ↗	Q4 FY2013 Dec 31, 2013 10-K ↗	Q3 FY2013 Sep 30, 2013 10-Q ↗	Q2 FY2013 Jun 30, 2013 10-Q ↗	Q1 FY2013 Mar 31, 2013 10-Q ↗	Q4 FY2012 Dec 31, 2012 10-K ↗	Q3 FY2012 Sep 30, 2012 10-Q ↗	Q2 FY2012 Jun 30, 2012 10-Q ↗	Q1 FY2012 Mar 31, 2012 10-Q ↗	Q4 FY2011 Dec 31, 2011 10-K ↗	Q3 FY2011 Sep 30, 2011 10-Q ↗	Q2 FY2011 Jun 30, 2011 10-Q ↗	Q1 FY2011 Mar 31, 2011 10-Q ↗	Q4 FY2010 Dec 31, 2010 10-K ↗	Q3 FY2010 Sep 30, 2010 10-Q ↗	Q2 FY2010 Jun 30, 2010 10-Q ↗	Q1 FY2010 Mar 31, 2010 10-Q ↗	Q4 FY2009 Dec 31, 2009 10-K ↗	Q3 FY2009 Sep 30, 2009 10-Q ↗	Q2 FY2009 Jun 30, 2009 10-Q ↗	Q1 FY2009 Dec 31, 2008 10-Q ↗	Q4 FY2008 Dec 31, 2008 10-K ↗	Q4 FY2007 Dec 31, 2007 10-K ↗
Sales/Revenue/Turnover (USD)	$993.00M	$1.02B	—	$971.00M	$929.00M	$970.00M	—	$983.00M	$939.00M	$991.00M	—	$1.03B	$952.00M	$1.29B	—	$979.00M	$893.00M	$921.00M	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Depreciation Expense (USD)	$18.00M	$19.00M	$19.00M	$19.00M	$21.00M	$21.00M	$22.00M	$22.00M	$23.00M	$23.00M	$24.00M	—	—	$34.00M	$33.00M	—	—	$21.00M	$26.00M	$31.70M	$31.50M	$34.00M	$63.70M	$40.10M	$41.30M	$38.80M	$42.60M	—	—	$118.90M	$121.10M	$122.50M	$122.00M	$121.70M	$123.10M	$124.30M	$125.50M	$124.80M	$127.40M	$126.70M	$129.60M	$128.40M	$125.10M	$123.38M	$122.11M	$121.63M	$88.40M	$76.33M	$74.30M	$74.07M	$55.22M	$54.47M	$53.58M	$52.85M	$47.02M	—	—	$38.72M	$38.50M	$43.23M	$36.02M	$35.40M	$36.73M	—	—	$34.17M	$33.76M	$31.17M	—	—	—	—
Net Income, GAAP (USD)	$146.00M	$181.00M	$54.00M	$188.00M	$139.00M	$138.00M	$7.00M	$2.00M	$133.00M	$134.00M	$43.00M	$171.00M	$48.00M	$455.00M	$-134.00M	$134.00M	$12.00M	$210.00M	$18.00M	$223.70M	$273.50M	$286.20M	$12.30M	$133.30M	$38.40M	$30.00M	$97.50M	$-107.60M	$139.00M	$149.10M	$284.90M	$296.50M	$217.80M	$163.90M	—	$233.20M	$137.70M	$146.40M	—	$207.50M	$140.70M	$158.90M	—	$130.38M	$130.04M	$164.83M	—	$164.95M	$139.19M	$135.75M	—	$132.88M	$116.44M	$128.98M	—	$119.55M	$103.82M	$115.23M	—	$93.98M	$69.02M	$86.38M	—	$53.06M	$47.32M	$46.65M	—	$45.80M	$29.44M	—	—	—
Operating Cash Flow (USD)	$533.00M	$487.00M	$568.00M	$605.00M	$526.00M	$393.00M	$479.00M	$456.00M	$477.00M	$447.00M	$617.00M	—	—	$398.00M	$497.00M	—	—	$497.00M	$335.00M	—	—	$517.20M	$394.40M	—	—	$572.50M	$-312.20M	—	—	$610.80M	$729.50M	—	—	$649.90M	$840.30M	—	—	—	$772.40M	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	$444.62M	$177.81M	$239.62M	—	—	—	$210.39M	$209.21M	—	—	$206.55M	$52.29M	$93.04M	—	—	—	—

🏛️ Sector-Specific 2 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q3 FY2019 Sep 30, 2019 10-Q ↗	Q2 FY2019 Jun 30, 2019 10-Q ↗	Q1 FY2019 Mar 31, 2019 10-Q ↗	Q4 FY2018 Dec 31, 2018 10-K ↗	Q3 FY2018 Sep 30, 2018 10-Q ↗	Q2 FY2018 Jun 30, 2018 10-Q ↗	Q1 FY2018 Mar 31, 2018 10-Q ↗	Q4 FY2017 Dec 31, 2017 10-K ↗	Q3 FY2017 Sep 30, 2017 10-Q ↗	Q2 FY2017 Jun 30, 2017 10-Q ↗	Q1 FY2017 Mar 31, 2017 10-Q ↗	Q4 FY2016 Dec 31, 2016 10-K ↗	Q3 FY2016 Sep 30, 2016 10-Q ↗	Q2 FY2016 Jun 30, 2016 10-Q ↗	Q1 FY2016 Mar 31, 2016 10-Q ↗	Q4 FY2015 Dec 31, 2015 10-K ↗	Q3 FY2015 Sep 30, 2015 10-Q ↗	Q2 FY2015 Jun 30, 2015 10-Q ↗	Q1 FY2015 Mar 31, 2015 10-Q ↗	Q4 FY2014 Dec 31, 2014 10-K ↗	Q3 FY2014 Sep 30, 2014 10-Q ↗	Q2 FY2014 Jun 30, 2014 10-Q ↗	Q1 FY2014 Mar 31, 2014 10-Q ↗	Q4 FY2013 Dec 31, 2013 10-K ↗	Q3 FY2013 Sep 30, 2013 10-Q ↗	Q2 FY2013 Jun 30, 2013 10-Q ↗	Q1 FY2013 Mar 31, 2013 10-Q ↗	Q4 FY2012 Dec 31, 2012 10-K ↗	Q3 FY2012 Sep 30, 2012 10-Q ↗	Q2 FY2012 Jun 30, 2012 10-Q ↗	Q1 FY2012 Mar 31, 2012 10-Q ↗	Q4 FY2011 Dec 31, 2011 10-K ↗	Q3 FY2011 Sep 30, 2011 10-Q ↗	Q2 FY2011 Jun 30, 2011 10-Q ↗	Q1 FY2011 Mar 31, 2011 10-Q ↗	Q4 FY2010 Dec 31, 2010 10-K ↗	Q3 FY2010 Sep 30, 2010 10-Q ↗	Q2 FY2010 Jun 30, 2010 10-Q ↗	Q1 FY2010 Mar 31, 2010 10-Q ↗	Q4 FY2009 Dec 31, 2009 10-K ↗	Q3 FY2009 Sep 30, 2009 10-Q ↗	Q2 FY2009 Jun 30, 2009 10-Q ↗	Q1 FY2009 Dec 31, 2008 10-Q ↗	Q4 FY2008 Dec 31, 2008 10-K ↗	Q4 FY2007 Dec 31, 2007 10-K ↗
Net Interest Margin (approx.) (%)	18.5%	19.1%	18.5%	19.0%	—	18.0%	17.2%	—	—	18.9%	—	20.0%	18.4%	20.3%	—	19.8%	17.9%	18.9%	—	1.7%	1.9%	2.1%	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Efficiency Ratio (%) (%)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	49.6%	53.0%	46.3%	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

BREAD FINANCIAL HOLDINGS, INC.

Analytical Summary

72-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Dividend History

Statement lens

Benchmark Lens

Signals

Percentile Rankings

Peer Comparison

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