stockrowBread Financial Holdings, Inc.
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
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Bread Financial Holdings, Inc. (BFH) Debt to equity
Bread Financial Holdings, Inc.'s debt to equity at the end of the quarter to 30 September 2026 was 0.9×, down 0.4× from fiscal 2025 (1.3×). Over the past ten years it has ranged from 1.3× (fiscal 2025) to 14.0× (fiscal 2019) — the current reading is the lowest in ten years. That is above the Credit Services industry median of 0.7× and above the Financial sector median of 0.2×.
Debt to equity, annual
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Annual newest first
| Period | Debt to equity | Change |
|---|---|---|
| FY2025 | 1.3× | (28.91%) |
| FY2024 | 1.8× | 0.43% |
| FY2023 | 1.8× | (48.70%) |
| FY2022 | 3.5× | (0.87%) |
| FY2021 | 3.6× | (36.26%) |
| FY2020 | 5.6× | (60.12%) |
| FY2019 | 14.0× | 30.00% |
| FY2018 | 10.8× | (22.44%) |
| FY2017 | 13.9× | 10.15% |
| FY2016 | 12.6× | 48.45% |
Quarterly newest first
| Period | Debt to equity | Change |
|---|---|---|
| Sep 2026 | 0.9× | (6.60%) |
| Jun 2026 | 1.0× | (16.30%) |
| Mar 2026 | 1.2× | (9.93%) |
| Dec 2025 | 1.3× | 13.42% |
| 43 more quarters | Free account |
Against its own ten years
Debt to equity against peers
| Company | Debt to equity |
|---|---|
| SEZL Sezzle Inc. compare | 0.4× |
| BFH Bread Financial Holdings, Inc. | 0.9× |
| AGM Federal Agricultural Mortgage Corporation compare | 1.2× |
| NNI Nelnet, Inc. compare | 1.9× |
| UPST Upstart Holdings, Inc. compare | 2.3× |
| SLM SLM Corporation compare | 2.5× |
| ENVA Enova International, Inc. compare | 3.4× |
| CACC Credit Acceptance Corporation compare | 4.8× |
| OMF OneMain Holdings, Inc. compare | 7.1× |
| Credit Services industry median | 0.7× |
| Financial sector median | 0.2× |
| Market median | 0.1× |
What Debt to equity is
Debt to Equity Ratio shows how much a company relies on borrowed money compared with the money its shareholders have in the business.
(Long Term Debt (Total) + Current Part of Debt) ÷ Shareholders Equity (Total)
More on BFH
- Revenue
- Net income
- EPS (diluted)
- EBITDA
- Free cash flow
- Operating cash flow
- Gross margin
- Operating margin
- Net margin
- Free cash flow margin
- P/E ratio
- P/S ratio
- P/B ratio
- Price to free cash flow
- Return on equity
- Return on assets
- Return on invested capital
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- The full statement