Bread Financial Holdings, Inc. (BFH-PA) Return on Invested Capital [ROIC] (2011 - 2026)
Bread Financial Holdings' Return on Invested Capital [ROIC] was 20.21% in Q2 2026, up 5.24 percentage points from 14.97% a year earlier and up 1.00 percentage points from the prior quarter.
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Analysis
Bread Financial Holdings, Inc. (BFH-PA) Return on Invested Capital [ROIC] (2011 - 2026) Analysis & Trends
For FY2025, Return on Invested Capital [ROIC] at Bread Financial Holdings came in at 17.33%, up 3.72 percentage points from FY2024.
- Return on Invested Capital [ROIC] shows a five-year change of +6.91 percentage points (FY2020 to FY2025).
- In earlier years, Return on Invested Capital [ROIC] was 13.62% in FY2024 (-4.89 pp), 18.51% in FY2023 (+10.98 pp), 7.53% in FY2022 (-7.12 pp) and 14.65% in FY2021 (+4.22 pp).
- Quarterly Return on Invested Capital [ROIC] has moved between 8.08% (Q4 2022) and 22.44% (Q4 2023) over five years.
- Compared with a year earlier, Return on Invested Capital [ROIC] has increased for four straight quarters, with an average year-over-year change of +0.06 percentage points over the last eight quarters.
- The best year-over-year quarter for Return on Invested Capital [ROIC] over five years was Q4 2023 (a gain of 14.37 percentage points); the worst was Q4 2024 (a drop of 8.72 percentage points).
- Per Business Quant data, BFH-PA's Return on Invested Capital [ROIC] in the three quarters before Q2 2026 was 19.21% (Q1 2026), 19.58% (Q4 2025) and 20.52% (Q3 2025).
Peer Set
Peer Comparison
Historic Data
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Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 20.21% |
| Mar 31, 2026 | 19.21% |
| Dec 31, 2025 | 19.58% |
| Sep 30, 2025 | 20.52% |
| Jun 30, 2025 | 14.97% |
| Mar 31, 2025 | 13.36% |
| Dec 31, 2024 | 13.72% |
| Sep 30, 2024 | 15.51% |
| Jun 30, 2024 | 18.99% |
| Mar 31, 2024 | 17.39% |
| Dec 31, 2023 | 22.44% |
| Sep 30, 2023 | 20.19% |
| Jun 30, 2023 | 18.18% |
| Mar 31, 2023 | 13.30% |
| Dec 31, 2022 | 8.08% |
| Sep 30, 2022 | 9.91% |
| Jun 30, 2022 | 10.51% |
| Mar 31, 2022 | 7.58% |
| Mar 31, 2019 | 17.18% |
| Dec 31, 2018 | 16.93% |
API Access
Bread Financial Holdings, Inc. Return on Invested Capital [ROIC] 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=return-on-invested-capital-%5Broic%5D&ticker=BFH-PA&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "return-on-invested-capital-[roic]", "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=return-on-invested-capital-%5Broic%5D&ticker=BFH-PA&period=max&api_key=YOUR_API_KEY");
const data = await res.json();