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) Total debt
Bread Financial Holdings, Inc.'s total debt at the end of fiscal 2025 was $4.3B, down 22.5% from $5.6B in fiscal 2024. At the end of the quarter to 30 September 2026 it was $3.1B. Over the past ten years it has ranged from $4.3B (fiscal 2025) to $25.8B (fiscal 2017) — the current reading is the lowest in ten years. Bread Financial Holdings, Inc. ranks 21st of 51 Credit Services companies by total debt.
Total debt, annual
Embed this chart
Annual newest first
| Period | Total debt | Change |
|---|---|---|
| FY2025 | $4.3B | (22.48%) |
| FY2024 | $5.6B | 5.01% |
| FY2023 | $5.3B | (33.91%) |
| FY2022 | $8.0B | 7.64% |
| FY2021 | $7.4B | (12.65%) |
| FY2020 | $8.5B | (61.79%) |
| FY2019 | $22.3B | (11.46%) |
| FY2018 | $25.2B | (2.51%) |
| FY2017 | $25.8B | 23.24% |
| FY2016 | $20.9B | 22.46% |
Quarterly newest first
| Period | Total debt | Change |
|---|---|---|
| Sep 2026 | $3.1B | (4.60%) |
| Jun 2026 | $3.3B | (15.29%) |
| Mar 2026 | $3.9B | (9.98%) |
| Dec 2025 | $4.3B | 13.76% |
| 43 more quarters | Free account |
Against its own ten years
Total debt against peers
| Company | Total debt |
|---|---|
| OMF OneMain Holdings, Inc. compare | $24.1B |
| NNI Nelnet, Inc. compare | $6.8B |
| CACC Credit Acceptance Corporation compare | $6.7B |
| SLM SLM Corporation compare | $5.5B |
| ENVA Enova International, Inc. compare | $5.4B |
| BFH Bread Financial Holdings, Inc. | $3.1B |
| AGM Federal Agricultural Mortgage Corporation compare | $2.3B |
| UPST Upstart Holdings, Inc. compare | $1.8B |
| SEZL Sezzle Inc. compare | $102.2M |
What Total debt is
Total Debt tells an investor how much a company has borrowed in all, whether the money is due within a year or later.
Long Term Debt (Total) + Current Part of Debt
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
- Return on invested capital
- Debt to equity
- Current ratio
- Shares outstanding
- Book value per share
- Revenue growth
- Piotroski F-score
- The full statement