Bread Financial Holdings (BFH-PB) Asset Utilization Ratio (2011 - 2026)

Bread Financial Holdings (BFH-PB) recorded quarterly Asset Utilization Ratio of 0.17 in Q1 2026, little changed quarter-over-quarter from 0.17 in Q4 2025, and up 2.68% on a YoY basis from 0.17 in Q1 2025.

Bread Financial Holdings (BFH-PB) Asset Utilization Ratio (2011 - 2026) Analysis & Trends

Bread Financial Holdings' Asset Utilization Ratio history runs 16 years deep, the most recent figure standing at 0.17 for Q1 2026.

  • In Q1 2026, Asset Utilization Ratio rose 2.68% year-over-year to 0.17; the TTM figure through Mar 2026 stood at 0.17 (up 2.68% YoY), while the FY2025 annual figure was 0.17, up 1.23% from the prior year.
  • Asset Utilization Ratio was 0.17 for Q1 2026 at Bread Financial Holdings, roughly flat from 0.17 in the prior quarter.
  • In the past five years, Asset Utilization Ratio ranged from a high of 0.2 in Q3 2023 to a low of 0.16 in Q1 2022.
  • Historically, Asset Utilization Ratio has averaged 0.18 across 5 years, with a median of 0.17 in 2025.
  • The sharpest annual moves came in 2022 and 2023: Asset Utilization Ratio fell 11.88% in 2022, then advanced 19.49% in 2023.
  • A 5-year view of Asset Utilization Ratio shows it stood at 0.16 in 2022, then climbed by 18.63% to 0.19 in 2023, then decreased by 10.25% to 0.17 in 2024, then grew by 0.75% to 0.17 in 2025, then retreated by 0.09% to 0.17 in 2026.
  • The last three Asset Utilization Ratio figures came in at 0.17 (Q1 2026), 0.17 (Q4 2025), and 0.17 (Q3 2025), per Business Quant data.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Asset Util. (Qtr)
1 Visa 541.66 Bn 529.25 Bn - 0.45
2 Mastercard 437.55 Bn 427.34 Bn - 0.64
3 American Express 212.80 Bn 158.76 Bn 17.43 Bn 0.24
4 Capital One Financial 112.47 Bn 35.97 Bn - 0.09
5 PayPal Holdings 37.70 Bn 28.36 Bn 7.84 Bn 0.42
6 Synchrony Financial 24.26 Bn 3.70 Bn - 0.16
7 Affirm Holdings 21.24 Bn 19.51 Bn 261.64 Mn 0.16
8 SoFi Technologies 20.46 Bn 17.06 Bn 929.25 Mn 0.08
9 Ally Financial 13.30 Bn 12.86 Bn 1.98 Bn 0.04
10 Bread Financial Holdings - - 983.00 Mn 0.17

Historic Data

Download Data
DateValue
Mar 31, 2026 0.17
Dec 31, 2025 0.17
Sep 30, 2025 0.17
Jun 30, 2025 0.17
Mar 31, 2025 0.17
Dec 31, 2024 0.17
Sep 30, 2024 0.18
Jun 30, 2024 0.18
Mar 31, 2024 0.18
Dec 31, 2023 0.19
Sep 30, 2023 0.20
Jun 30, 2023 0.20
Mar 31, 2023 0.18
Dec 31, 2022 0.16
Sep 30, 2022 0.17
Jun 30, 2022 0.16
Mar 31, 2022 0.16
Dec 31, 2021 0.15
Sep 30, 2021 0.16
Jun 30, 2021 0.17