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
Follow BFH
Alert me
Bread Financial Holdings, Inc. (BFH) Return on invested capital
Bread Financial Holdings, Inc.'s return on invested capital over the twelve months to 30 September 2026 was 0.00%, down 0.0 percentage points from fiscal 2025 (0.00%). Over the past ten years it has ranged from 0.00% (fiscal 2025) to 31.9% (fiscal 2022) — the current reading is the lowest in ten years. That is below the Credit Services industry median of 4.56% and below the Financial sector median of 4.70%.
Return on invested capital, annual
Embed this chart
Annual newest first
| Period | Return on invested capital | Change (points) |
|---|---|---|
| FY2025 | 0.00% | 0.00 |
| FY2024 | 0.00% | 0.00 |
| FY2023 | 0.00% | (31.90) |
| FY2022 | 31.9% | 5.55 |
| FY2021 | 26.4% | 0.99 |
| FY2020 | 25.4% | 13.90 |
| FY2019 | 11.5% | 6.82 |
| FY2018 | 4.64% | 0.60 |
| FY2017 | 4.04% | 0.23 |
| FY2016 | 3.81% | (0.58) |
Against its own ten years
Return on invested capital against peers
| Company | Return on invested capital |
|---|---|
| SEZL Sezzle Inc. compare | 49.8% |
| SLM SLM Corporation compare | 8.72% |
| ENVA Enova International, Inc. compare | 8.51% |
| CACC Credit Acceptance Corporation compare | 7.81% |
| AGM Federal Agricultural Mortgage Corporation compare | 5.67% |
| OMF OneMain Holdings, Inc. compare | 2.29% |
| UPST Upstart Holdings, Inc. compare | 1.53% |
| NNI Nelnet, Inc. compare | 0.00% |
| BFH Bread Financial Holdings, Inc. | 0.00% |
| Credit Services industry median | 4.56% |
| Financial sector median | 4.70% |
| Market median | 0.00% |
What Return on invested capital is
Return on Invested Capital shows how much after-tax operating profit a company earns on the money its lenders and shareholders have put in.
TTM: (Operating Income × 0.625) ÷ (Shareholders Equity (Total) (latest quarter) + Long Term Debt (Total) (latest quarter) + Current Part of Debt (latest quarter) − Cash & Short Term Investments (latest quarter)); Annual: (Operating Income × 0.625) ÷ (Shareholders Equity (Total) + Long Term Debt (Total) + Current Part of Debt − Cash & Short Term Investments)
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
- Debt to equity
- Current ratio
- Total debt
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- The full statement