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Asset Utilization RatioAssets AverageDebt RatioDebt to EquityEBIT MarginEBITDA MarginEBT MarginEnterprise ValueEquity AverageEquity RatioFCF MarginFCF Payout RatioGross MarginInterest Coverage RatioInvested CapitalNet MarginOperating MarginReturn on AssetsReturn on EquityReturn on Invested CapitalReturn on SalesTimes Interest Earned

Bread Financial Holdings (BFH-PA) FCF Margin (2016 - 2025)

Bread Financial Holdings has reported FCF Margin over the past 17 years, most recently at 58.26% for Q4 2025.

  • Quarterly results put FCF Margin at 58.26% for Q4 2025, up 669.0% from a year ago — trailing twelve months through Dec 2025 was 54.41% (up 1579.0% YoY), and the annual figure for FY2025 was 54.41%, up 1579.0%.
  • FCF Margin for Q4 2025 was 58.26% at Bread Financial Holdings, down from 62.31% in the prior quarter.
  • Over the last five years, FCF Margin for BFH-PA hit a ceiling of 62.97% in Q1 2021 and a floor of 102.42% in Q4 2022.
  • Median FCF Margin over the past 5 years was 46.52% (2024), compared with a mean of 35.25%.
  • Biggest five-year swings in FCF Margin: crashed -14027bps in 2022 and later soared 12457bps in 2023.
  • Bread Financial Holdings' FCF Margin stood at 37.85% in 2021, then crashed by -371bps to 102.42% in 2022, then surged by 122bps to 22.15% in 2023, then surged by 133bps to 51.57% in 2024, then grew by 13bps to 58.26% in 2025.
  • The last three reported values for FCF Margin were 58.26% (Q4 2025), 62.31% (Q3 2025), and 56.62% (Q2 2025) per Business Quant data.