Bread Financial Holdings (BFH-PB) Change in Net Loans (2009 - 2026)
Bread Financial Holdings (BFH-PB) recorded quarterly Change in Net Loans of -$328.0 million in Q1 2026, down 121.85% quarter-over-quarter from $1.5 billion in Q4 2025, and up 52.94% on a YoY basis from -$214.5 million in Q1 2025.
Bread Financial Holdings (BFH-PB) Change in Net Loans (2009 - 2026) Analysis & Trends
Bread Financial Holdings' Change in Net Loans history runs 18 years deep, the most recent figure standing at -$328.0 million for Q1 2026.
- In Q1 2026, Change in Net Loans rose 52.94% year-over-year to -$328.0 million; the TTM figure through Mar 2026 stood at $1.7 billion (up 92.8% YoY), while the FY2025 annual figure was $1.3 billion, up 60.12% from the prior year.
- Change in Net Loans was -$328.0 million for Q1 2026 at Bread Financial Holdings, down from $1.5 billion in the prior quarter.
- In the past five years, Change in Net Loans ranged from a high of $2.1 billion in Q4 2022 to a low of -$746.0 million in Q1 2024.
- Historically, Change in Net Loans has averaged $366.6 million across 5 years, with a median of $258.0 million in 2023.
- The sharpest annual moves came in 2023 and 2025: Change in Net Loans sank 116.81% in 2023, then jumped 296.23% in 2025.
- A 5-year view of Change in Net Loans shows it stood at $2.1 billion in 2022, then sank by 33.15% to $1.4 billion in 2023, then decreased by 1.9% to $1.3 billion in 2024, then rose by 11.6% to $1.5 billion in 2025, then plunged by 121.85% to -$328.0 million in 2026.
- The last three Change in Net Loans figures came in at -$328.0 million (Q1 2026), $1.5 billion (Q4 2025), and $331.0 million (Q3 2025), per Business Quant data.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Change in Net Loans (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 541.66 Bn | 529.25 Bn | - | - |
| 2 | Mastercard | 437.55 Bn | 427.34 Bn | - | - |
| 3 | American Express | 212.80 Bn | 158.76 Bn | 17.43 Bn | -512.00 Mn |
| 4 | Capital One Financial | 112.47 Bn | 35.97 Bn | - | - |
| 5 | PayPal Holdings | 37.70 Bn | 28.36 Bn | 7.84 Bn | - |
| 6 | Synchrony Financial | 24.26 Bn | 3.70 Bn | - | -2.36 Bn |
| 7 | Affirm Holdings | 21.24 Bn | 19.51 Bn | 261.64 Mn | - |
| 8 | SoFi Technologies | 20.46 Bn | 17.06 Bn | 929.25 Mn | - |
| 9 | Ally Financial | 13.30 Bn | 12.86 Bn | 1.98 Bn | - |
| 10 | Bread Financial Holdings | - | - | 983.00 Mn | -328.00 Mn |
Historic Data
Download Data| Date | Value |
|---|---|
| Mar 31, 2026 | -328.00 Mn |
| Dec 31, 2025 | 1.50 Bn |
| Sep 30, 2025 | 331.00 Mn |
| Jun 30, 2025 | 210.00 Mn |
| Mar 31, 2025 | -697.00 Mn |
| Dec 31, 2024 | 1.35 Bn |
| Sep 30, 2024 | 188.00 Mn |
| Jun 30, 2024 | 53.00 Mn |
| Mar 31, 2024 | -746.00 Mn |
| Dec 31, 2023 | 1.37 Bn |
| Sep 30, 2023 | 260.00 Mn |
| Jun 30, 2023 | 258.00 Mn |
| Mar 31, 2023 | -735.00 Mn |
| Dec 31, 2022 | 2.05 Bn |
| Sep 30, 2022 | 575.00 Mn |
| Jun 30, 2022 | 935.00 Mn |
| Mar 31, 2022 | -339.00 Mn |
| Dec 31, 2021 | 1.89 Bn |
| Sep 30, 2021 | 578.00 Mn |
| Jun 30, 2021 | 368.00 Mn |