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 equity
Bread Financial Holdings, Inc.'s return on equity over the twelve months to 30 September 2026 was 15.6%, down 0.7 percentage points from fiscal 2025 (16.2%). Over the past ten years it has ranged from 9.28% (fiscal 2024) to 46.0% (fiscal 2018); the current reading is higher than 45% of that period. That is above the Credit Services industry median of 9.05% and above the Financial sector median of 9.01%.
Return on equity, annual
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Annual newest first
| Period | Return on equity | Change (points) |
|---|---|---|
| FY2025 | 16.2% | 6.96 |
| FY2024 | 9.28% | (18.43) |
| FY2023 | 27.7% | 17.46 |
| FY2022 | 10.3% | (34.15) |
| FY2021 | 44.4% | 30.64 |
| FY2020 | 13.8% | 0.04 |
| FY2019 | 13.7% | (32.28) |
| FY2018 | 46.0% | 1.10 |
| FY2017 | 44.9% | 16.78 |
| FY2016 | 28.1% | 3.09 |
Against its own ten years
Return on equity against peers
| Company | Return on equity |
|---|---|
| SEZL Sezzle Inc. compare | 84.3% |
| SLM SLM Corporation compare | 27.0% |
| ENVA Enova International, Inc. compare | 26.8% |
| CACC Credit Acceptance Corporation compare | 22.7% |
| OMF OneMain Holdings, Inc. compare | 22.7% |
| AGM Federal Agricultural Mortgage Corporation compare | 16.8% |
| BFH Bread Financial Holdings, Inc. | 15.6% |
| NNI Nelnet, Inc. compare | 7.55% |
| UPST Upstart Holdings, Inc. compare | 7.20% |
| Credit Services industry median | 9.05% |
| Financial sector median | 9.01% |
| Market median | 0.51% |
What Return on equity is
ROE shows how much profit a company earns for its shareholders on the equity they have in the business.
Annual: Net Income Allotted to Shareholders ÷ Average Common Equity; TTM: Net Income Allotted to Shareholders ÷ Average Common Equity (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 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