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) Return on assets
Bread Financial Holdings, Inc.'s return on assets over the twelve months to 30 September 2026 was 2.34%, up 0.1 percentage points from fiscal 2025 (2.27%). Over the past ten years it has ranged from 0.87% (fiscal 2020) to 3.62% (fiscal 2021); the current reading is higher than 55% of that period. That is above the Credit Services industry median of 1.94% and above the Financial sector median of 1.15%.
Return on assets, annual
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Annual newest first
| Period | Return on assets | Change (points) |
|---|---|---|
| FY2025 | 2.27% | 1.07 |
| FY2024 | 1.20% | (1.76) |
| FY2023 | 2.96% | 2.01 |
| FY2022 | 0.95% | (2.67) |
| FY2021 | 3.62% | 2.75 |
| FY2020 | 0.87% | (0.08) |
| FY2019 | 0.95% | (2.20) |
| FY2018 | 3.15% | 0.34 |
| FY2017 | 2.81% | 0.65 |
| FY2016 | 2.16% | (0.43) |
Against its own ten years
Return on assets against peers
| Company | Return on assets |
|---|---|
| SEZL Sezzle Inc. compare | 43.0% |
| ENVA Enova International, Inc. compare | 5.60% |
| CACC Credit Acceptance Corporation compare | 3.85% |
| OMF OneMain Holdings, Inc. compare | 2.75% |
| BFH Bread Financial Holdings, Inc. | 2.34% |
| NNI Nelnet, Inc. compare | 1.94% |
| UPST Upstart Holdings, Inc. compare | 1.89% |
| SLM SLM Corporation compare | 1.86% |
| AGM Federal Agricultural Mortgage Corporation compare | 0.55% |
| Credit Services industry median | 1.94% |
| Financial sector median | 1.15% |
| Market median | 0.00% |
What Return on assets is
ROA tells an investor how much profit a company earns for shareholders from the assets it uses to run its business.
Annual: Net Income Allotted to Shareholders ÷ Average Assets; TTM: Net Income Allotted to Shareholders ÷ Average Assets (latest quarter)
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 invested capital
- Debt to equity
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- The full statement