Each factor with its sector median and, where it's reported per quarter, its last 12 quarters.
BFHSector12 quartersMarket cap$3.97B$6.02BEnterprise value$4.59B$8.09BAvg daily $ volume$69.24M$69.62MDaily turnover1.7%0.9%
BFHSector12 quartersRevenue CAGR 3y-2.4%9.3%Revenue CAGR 5y-1.5%7.4%Revenue growth YoY6.9%10.7%Revenue acceleration+1.9 pp−0.5 ppFCF growth YoY—13.9%FCF conversion—111.5%Forward growth (HoM est.)2.3%10.6% BFHSector12 quartersP/E (trailing)7.0×13.0×P/E (forward, HoM est.)6.8×11.9×P/E vs. sector0.5×1.0×PEG (HoM est.)3.021.33EV/Sales1.2×2.7×FCF yield—7.4%Dividend yield0.9%2.0%Shareholder yield15.0%4.6%
BFHSector12 quartersQuality checks passed43ROIC—15.0%Gross margin—61.0%Gross margin Δ 3y—+3.8 ppOperating margin—23.7%Operating margin Δ 3y—+2.0 ppShare count Δ 3y-22.9%-1.6%Stock compensation / revenue1.5%2.0%Accruals ratio-7.3%-0.5% BFHSector12 quartersEfficiency ratio50.2%58.5%Net interest income / assets18.9%3.2%Credit cost—0.2%Return on tangible equity16.9%14.6%Equity / assets15.0%13.4%Price / tangible book1.2×1.8× BFHSector12 quartersDays to next report513
BFHSector12 quartersInsider buys (90d)10Insiders buying (90d)10Insider net value (90d)-$295.63K-$161.4KInstitutional ownership101.4%85.8%Institutional Δ QoQ−4.7 pp+0.8 ppConviction funds net buying—+0.0 ppActive managers net buying−0.7 pp−0.0 ppActive funds net buying+0.0 pp+0.0 ppDays to cover4.794.49Short % of shares out8.4%4.4%Short interest Δ+1.2 pp+0.1 pp