Bread Financial Holdings, Inc. (BFH-PA) Debt Ratio (2009 - 2026)
Bread Financial Holdings' (BFH-PA) Debt Ratio was 0.11 for Q2 2026, down 23.0% from 0.14 a year earlier and down 20.0% from the prior quarter.
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Analysis
Bread Financial Holdings, Inc. (BFH-PA) Debt Ratio (2009 - 2026) Analysis & Trends
For FY2025, Debt Ratio at Bread Financial Holdings was 0.15, down 24.2% from FY2024.
- By year, Debt Ratio came in at 0.20 in FY2024 (+18.2%), 0.17 in FY2023 (-30.0%), 0.24 in FY2022 (-4.0%) and 0.25 in FY2021 (-2.7%).
- The Q2 2026 figure ranks as the lowest quarterly Debt Ratio since Q4 2019.
- Year over year, Debt Ratio has now declined in each of the last five quarters, with an average decline of 5.7% over the last eight quarters.
- The high point for year-over-year Debt Ratio in five years was Q3 2024 (growth of 23.7%); the low point was Q1 2023 (a decline of 40.3%).
- Per Business Quant data, the three quarters before Q2 2026 came in at 0.14 (Q1 2026), 0.15 (Q4 2025) and 0.12 (Q3 2025).
Peer Set
Peer Comparison
Historic Data
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Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 0.11 |
| Mar 31, 2026 | 0.14 |
| Dec 31, 2025 | 0.15 |
| Sep 30, 2025 | 0.12 |
| Jun 30, 2025 | 0.14 |
| Mar 31, 2025 | 0.17 |
| Dec 31, 2024 | 0.20 |
| Sep 30, 2024 | 0.16 |
| Jun 30, 2024 | 0.16 |
| Mar 31, 2024 | 0.15 |
| Dec 31, 2023 | 0.17 |
| Sep 30, 2023 | 0.13 |
| Jun 30, 2023 | 0.15 |
| Mar 31, 2023 | 0.14 |
| Dec 31, 2022 | 0.24 |
| Sep 30, 2022 | 0.18 |
| Jun 30, 2022 | 0.25 |
| Mar 31, 2022 | 0.23 |
| Dec 31, 2021 | 0.85 |
| Dec 31, 2020 | 0.26 |
API Access
Bread Financial Holdings, Inc. Debt Ratio API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=debt-ratio&ticker=BFH-PA&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "debt-ratio", "ticker": "BFH-PA", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=debt-ratio&ticker=BFH-PA&period=max&api_key=YOUR_API_KEY");
const data = await res.json();