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
Bread Financial Holdings, Inc.'s free cash flow for fiscal 2025 was $2.1B, up 13.4% from $1.8B in fiscal 2024. Over the twelve months to 30 September 2026 it was $2.2B. Over the past ten years it has ranged from $1.1B (fiscal 2019) to $2.6B (fiscal 2018); the current reading is higher than 82% of that period. Bread Financial Holdings, Inc. ranks 9th of 52 Credit Services companies by free cash flow.
Free cash flow, annual
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Annual newest first
| Period | Free cash flow | Change |
|---|---|---|
| FY2025 | $2.1B | 13.44% |
| FY2024 | $1.8B | (5.98%) |
| FY2023 | $1.9B | 9.18% |
| FY2022 | $1.8B | 21.39% |
| FY2021 | $1.5B | (20.01%) |
| FY2020 | $1.8B | 69.98% |
| FY2019 | $1.1B | (57.89%) |
| FY2018 | $2.6B | 7.64% |
| FY2017 | $2.4B | 23.62% |
| FY2016 | $1.9B | 22.45% |
Quarterly newest first
| Period | Free cash flow | Change |
|---|---|---|
| Sep 2026 | $598.0M | 13.04% |
| Jun 2026 | $529.0M | 10.21% |
| Mar 2026 | $480.0M | (14.89%) |
| Dec 2025 | $564.0M | (5.53%) |
| 43 more quarters | Free account |
Against its own ten years
Free cash flow against peers
| Company | Free cash flow |
|---|---|
| OMF OneMain Holdings, Inc. compare | $3.2B |
| BFH Bread Financial Holdings, Inc. | $2.2B |
| ENVA Enova International, Inc. compare | $2.0B |
| CACC Credit Acceptance Corporation compare | $1.3B |
| NNI Nelnet, Inc. compare | $478.8M |
| AGM Federal Agricultural Mortgage Corporation compare | $312.2M |
| SEZL Sezzle Inc. compare | −$3.9M |
| UPST Upstart Holdings, Inc. compare | −$128.5M |
| SLM SLM Corporation compare | −$381.6M |
What Free cash flow is
Free Cash Flow tells an investor how much cash a company’s operations generate after paying for its investment in physical and intangible assets.
Operating Cash Flow + Property, Plant, Equipment Change (Net) + Intangible Assets Change (Net)
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- Revenue
- Net income
- EPS (diluted)
- EBITDA
- 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
- Debt to equity
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
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- Piotroski F-score
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