Cash generation ยท NYSE
BFH
Bread Financial Holdings, Inc.. High-quality cash candidate: attractive cash production with manageable risk checks.
Current reading
What supports the cash yield
This review starts with cash generation, then checks reported profit, debt, deterioration and the market record. Buffett and Munger used the same practical order of questions: cash first, accounting second, then balance-sheet resilience. The current figures are positive overall, but weaker measures and any warnings still need close reading.
Six supporting scores
- Cash Yield100.0
- Cash Quality82.8
- Durability85.4
- Balance Sheet40.0
- Capital Allocation91.0
- Market Confirmation70.4
How to read this company
Buffett and Munger described owner earnings as a practical way to look beyond reported profit. This page applies that cash-first question, then checks conversion, durability, debt, shareholder returns and the market record.
Cash and balance-sheet measures
Cash Quality Metrics
Percentages and ratios are shown separately so that one strong figure does not conceal weaker borrowing or cash conversion.
Risk checks
What could weaken the reading
Active warnings reduce the companyโs score. A blank warning list means only that none of these specific rules is active.
financial statement caution
Banks, insurers and credit balance sheets are not directly comparable to normal operating companies on FCF metrics.
distress zone
Altman Z-Score is in the classic distress range.
Does the business produce meaningful cash relative to the price paid?
Do reported profits convert into free cash flow?
Is the cash generation supported by growth, stability and margin resilience?
Can the company survive a tougher cycle without the cash story breaking?
Is management returning or retaining cash in a way that supports owners?
Weekly history
How the reading has changed
Every point uses the same scoring rules and a completed weekly factor snapshot.
| Week | Score | Owner earnings yield | Risk |
|---|---|---|---|
| 16 Aug 2026 | 74.2 | 38.0% | 22 |
| 9 Aug 2026 | 74.5 | 47.6% | 22 |
| 2 Aug 2026 | 68.7 | 31.3% | 33 |
| 26 Jul 2026 | 74.5 | 39.7% | 22 |
| 19 Jul 2026 | 74.2 | 40.3% | 22 |
| 12 Jul 2026 | 74.0 | 41.4% | 22 |
| 5 Jul 2026 | 74.2 | 39.2% | 22 |
| 28 Jun 2026 | 74.1 | 37.7% | 22 |
| 21 Jun 2026 | 74.3 | 39.1% | 22 |
| 14 Jun 2026 | 74.3 | 39.3% | 22 |