Pricing Log in Create free account
Friday 6 November 2026 Export BFH’s income statement to Excel — free account

Bread Financial Holdings, Inc.

BFH Financial Credit Services

Bread Financial Holdings, Inc.’s revenue for fiscal 2025 (year ended December 2025) was $4.7 billion, down 1.90% from fiscal 2024.

Revenue
+2.96%
EPS
−1.26%
Free cash flow
+0.17%
Total debt
−17.2%

Quarter to September 2026, against a year earlier

103.14 1.69 −1.61%
Market cap
$3.9B
P/E
8.0×
Fwd P/E
8.0×
Dividend yield
0.89%
F-score
7/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a
Overview
Financials
Income Statement Balance Sheet Cash Flow Metrics & Ratios

Bread Financial Holdings, Inc. (BFH) Current ratio

Alert me on Current ratio

Bread Financial Holdings, Inc.'s current ratio at the end of the quarter to 30 September 2026 was 1.2×, down 0.0× from fiscal 2025 (1.2×). Over the past ten years it has ranged from 1.1× (fiscal 2021) to 2.5× (fiscal 2015); the current reading is higher than 45% of that period. That is below the Credit Services industry median of 1.3× and above the Financial sector median of 1.0×.

Current ratio, annual

Embed this chart

Annual newest first

Period Current ratio Change
FY2025 1.2× 1.59%
FY2024 1.2× (1.95%)
FY2023 1.2× 2.85%
FY2022 1.1× 1.20%
FY2021 1.1× (0.36%)
FY2020 1.1× (44.19%)
FY2019 2.0× (5.61%)
FY2018 2.2× (11.62%)
FY2017 2.4× 14.71%
FY2016 2.1× (16.37%)

Quarterly newest first

Period Current ratio Change
Sep 2026 1.2× (0.59%)
Jun 2026 1.2× 1.60%
Mar 2026 1.2× (1.73%)
Dec 2025 1.2× (1.85%)
43 more quarters

Against its own ten years

Low 1.1× High 2.5×
Ten-year median 1.2×
Current reading's percentile 45

Current ratio against peers

Company Current ratio
ENVA Enova International, Inc. compare 18.9×
CACC Credit Acceptance Corporation compare 13.5×
SEZL Sezzle Inc. compare 4.2×
SLM SLM Corporation compare 1.2×
BFH Bread Financial Holdings, Inc. 1.2×
AGM Federal Agricultural Mortgage Corporation compare 0.6×
UPST Upstart Holdings, Inc. compare 0.6×
NNI Nelnet, Inc. compare 0.0×
OMF OneMain Holdings, Inc. compare 0.0×
Credit Services industry median 1.3×
Financial sector median 1.0×
Market median 1.6×

What Current ratio is

Current Ratio shows whether a company’s short-term assets are enough to cover the bills and debts it must pay within the next year.

Current Assets (Total) ÷ Current Liabilities (Total)

The full definition of Current ratio →

More on BFH