财务摘要（报告期）（Bread Financial Holdings Inc）
| 2025年三季报 | 2025年中报 | 2025年一季报 | 2024年年报 | 2024年三季报 | 2024年中报 | 2024年一季报 | 2023年年报 | 2023年三季报 | 2023年中报 | 2023年一季报 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 每股指标： | |||||||||||
| 每股收益EPS基本(元) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 5.44 | 5.40 | 2.71 | 14.39 | 13.48 | 10.04 | 9.10 |
| 每股净资产(元) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 62.62 | 63.78 | 61.13 | 59.15 | 58.09 | 54.59 | 54.19 |
| 每股经营现金净流量(元) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 27.77 | 18.59 | 9.01 | 40.28 | 27.79 | 14.78 | 7.94 |
| 每股现金流量净额(元) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | -2.92 | 9.18 | 3.87 | -6.30 | -10.79 | -11.49 | -5.89 |
| 每股营业收入(元) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 58.61 | 38.81 | 19.98 | 86.94 | 66.39 | 44.71 | 25.72 |
| 盈利能力： | |||||||||||
| 销售净利率(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 9.27 | 13.89 | 13.52 | 16.74 | 20.62 | 22.45 | 35.30 |
| 净资产收益率平均(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 8.96 | 8.80 | 4.50 | 27.71 | 26.32 | 20.12 | 18.27 |
| 总资产净利率(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 1.20 | 1.18 | 0.59 | 2.96 | 2.87 | 2.14 | 1.92 |
| 投入资本回报率ROIC(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 1.43 | 1.42 | 0.70 | 3.50 | 3.40 | 2.53 | 2.28 |
| 收益质量： | |||||||||||
| 营业利润／利润总额(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 340.20 | 265.58 | 270.74 | 226.96 | 178.63 | 161.05 | 116.77 |
| 税项／利润总额(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 33.33 | 27.10 | 28.19 | 23.86 | 27.05 | 28.31 | 28.68 |
| 经营活动产生的现金流量净额／营业收入(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 47.37 | 47.90 | 45.11 | 46.33 | 41.86 | 33.07 | 30.88 |
| 资本结构： | |||||||||||
| 资产负债率(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 85.68 | 85.68 | 86.40 | 87.39 | 86.75 | 87.34 | 87.64 |
| 权益乘数 | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 6.98 | 6.99 | 7.35 | 7.93 | 7.54 | 7.90 | 8.09 |
| 产权比率 | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 5.98 | 5.99 | 6.35 | 6.93 | 6.54 | 6.90 | 7.09 |
| 归属母公司股东的权益／投入资本(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 17.02 | 17.52 | 16.38 | 14.93 | 15.71 | 14.96 | 14.79 |
| 偿债能力： | |||||||||||
| 归属母公司股东的权益／负债合计(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 16.71 | 16.71 | 15.74 | 14.43 | 15.28 | 14.50 | 14.11 |
| 经营活动产生的现金流量净额／负债合计(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 7.41 | 4.87 | 2.32 | 9.83 | 7.31 | 3.93 | 2.07 |
| 营业利润／负债合计(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 7.45 | 5.16 | 2.64 | 10.86 | 9.05 | 6.18 | 3.87 |
| 成长能力： | |||||||||||
| 总资产同比增长率(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 0.59 | 2.48 | 1.50 | -8.92 | -1.60 | -0.93 | 4.93 |
| 每股净资产同比增长率(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 7.78 | 16.84 | 12.80 | 30.19 | 20.70 | 19.44 | 18.93 |
| 总负债同比增长率(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | -0.64 | 0.54 | 0.07 | -12.61 | -4.18 | -3.39 | 3.13 |
| 基本每股收益同比增长率(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | -59.64 | -46.22 | -70.22 | 221.92 | 88.27 | 124.61 | 115.64 |
| 归属母公司股东的权益同比增长率(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 8.66 | 15.86 | 11.63 | 28.83 | 19.38 | 20.26 | 19.75 |
| 营业利润同比增长率(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | -18.21 | -15.95 | -31.68 | 16.00 | 20.35 | 27.15 | 50.51 |
| 营业收入同比增长率(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | -11.00 | -13.92 | -23.12 | 12.10 | 17.19 | 23.54 | 39.96 |
| 股东权益合计同比增长率(%) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 8.66 | 15.86 | 11.63 | 28.83 | 19.38 | 20.26 | 19.75 |
| 营运能力： | |||||||||||
| 固定资产周转率次(次) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 18.50 | 11.91 | 5.95 | 23.70 | 18.44 | 12.55 | 6.87 |
| 总资产周转率次(次) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 0.13 | 0.09 | 0.04 | 0.18 | 0.14 | 0.10 | 0.05 |
| 衍生指标： | |||||||||||
| 现金及现金等价物净增加额TTM(元) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 76,000,000.00 | 721,000,000.00 | 176,000,000.00 | -311,000,000.00 | -213,000,000.00 | -346,000,000.00 | -2,000,000.00 |
| 利润总额TTM(元) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 426,000,000.00 | 613,000,000.00 | 518,000,000.00 | 968,000,000.00 | 742,000,000.00 | 705,000,000.00 | 636,000,000.00 |
| 投入资本(元) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 18,285,000,000.00 | 18,091,000,000.00 | 18,510,000,000.00 | 19,551,000,000.00 | 18,228,000,000.00 | 18,284,000,000.00 | 18,359,000,000.00 |
| 经营活动产生的现金流量净额TTM(元) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 1,997,000,000.00 | 2,170,000,000.00 | 2,036,000,000.00 | 1,987,000,000.00 | 1,867,000,000.00 | 1,846,000,000.00 | 1,749,000,000.00 |
| 总营业收入TTM(元) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 3,929,000,000.00 | 3,977,000,000.00 | 3,991,000,000.00 | 4,289,000,000.00 | 4,306,000,000.00 | 4,253,000,000.00 | 4,194,000,000.00 |
| 归属母公司净利润TTM(元) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 313,000,000.00 | 483,000,000.00 | 397,000,000.00 | 718,000,000.00 | 541,000,000.00 | 503,000,000.00 | 468,000,000.00 |
| 所得税TTM(元) | 会员可见 | 会员可见 | 会员可见 | 会员可见 | 110,000,000.00 | 126,000,000.00 | 101,000,000.00 | 231,000,000.00 | 183,000,000.00 | 186,000,000.00 | 168,000,000.00 |