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) Free cash flow margin
Bread Financial Holdings, Inc.'s free cash flow margin over the twelve months to 30 September 2026 was 45.4%, up 1.3 percentage points from fiscal 2025 (44.0%). Over the past ten years it has ranged from 23.0% (fiscal 2019) to 48.2% (fiscal 2020); the current reading is higher than 82% of that period. That is above the Credit Services industry median of 8.73% and above the Financial sector median of 11.4%.
Free cash flow margin, annual
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Annual newest first
| Period | Free cash flow margin | Change (points) |
|---|---|---|
| FY2025 | 44.0% | 5.96 |
| FY2024 | 38.1% | (1.19) |
| FY2023 | 39.3% | (1.76) |
| FY2022 | 41.0% | 0.89 |
| FY2021 | 40.1% | (8.03) |
| FY2020 | 48.2% | 25.22 |
| FY2019 | 23.0% | (22.14) |
| FY2018 | 45.1% | 1.73 |
| FY2017 | 43.4% | 16.46 |
| FY2016 | 26.9% | 2.55 |
Against its own ten years
Free cash flow margin against peers
| Company | Free cash flow margin |
|---|---|
| ENVA Enova International, Inc. compare | 54.9% |
| CACC Credit Acceptance Corporation compare | 53.7% |
| OMF OneMain Holdings, Inc. compare | 49.3% |
| BFH Bread Financial Holdings, Inc. | 45.4% |
| AGM Federal Agricultural Mortgage Corporation compare | 18.1% |
| NNI Nelnet, Inc. compare | 0.00% |
| SEZL Sezzle Inc. compare | −0.66% |
| UPST Upstart Holdings, Inc. compare | −11.2% |
| SLM SLM Corporation compare | −13.2% |
| Credit Services industry median | 8.73% |
| Financial sector median | 11.4% |
| Market median | 0.00% |
What Free cash flow margin is
Free Cash Flow Margin tells an investor how much of each sale turns into cash the company keeps after paying for investment in its assets.
(Operating Cash Flow + Property, Plant, Equipment Change (Net) + Intangible Assets Change (Net)) ÷ Revenue
More on BFH
- Revenue
- Net income
- EPS (diluted)
- EBITDA
- Free cash flow
- Operating cash flow
- Gross margin
- Operating margin
- Net 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
- Debt to equity
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- The full statement