Bread Financial Holdings (BFH) Asset Utilization Ratio (2011 - 2026)
Bread Financial Holdings' quarterly Asset Utilization Ratio came in at 0.17 in Q1 2026, up 2.68% year-on-year from 0.17 in Q1 2025, and little changed quarter-over-quarter from 0.17 in Q4 2025.
Bread Financial Holdings (BFH) Asset Utilization Ratio (2011 - 2026) Analysis & Trends
Bread Financial Holdings has reported Asset Utilization Ratio for 16 years, with the latest figure at 0.17 in Q1 2026.
- For the quarter ending Q1 2026, Asset Utilization Ratio rose 2.68% year-over-year to 0.17; the trailing twelve-month figure through Mar 2026 stood at 0.17 (up 2.68% YoY), and the FY2025 full-year result was 0.17, up 1.23% from the prior year.
- Asset Utilization Ratio for Q1 2026 stood at 0.17, roughly flat from 0.17 in the prior quarter.
- The five-year high for Asset Utilization Ratio was 0.2 in Q3 2023, with the low at 0.16 in Q1 2022.
- Average Asset Utilization Ratio over 5 years is 0.18, with a median of 0.17 recorded in 2025.
- Year-over-year, Asset Utilization Ratio decreased 11.88% in 2022 and grew 19.49% in 2023.
- Tracing BFH's Asset Utilization Ratio over 5 years: stood at 0.16 in 2022, then grew by 18.63% to 0.19 in 2023, then slipped by 10.25% to 0.17 in 2024, then increased by 0.75% to 0.17 in 2025, then decreased 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 | 539.53 Bn | 527.13 Bn | - | 0.45 |
| 2 | Mastercard | 441.81 Bn | 431.60 Bn | - | 0.64 |
| 3 | American Express | 215.01 Bn | 160.96 Bn | 17.43 Bn | 0.24 |
| 4 | Capital One Financial | 114.99 Bn | 38.50 Bn | - | 0.09 |
| 5 | PayPal Holdings | 41.29 Bn | 31.95 Bn | 7.84 Bn | 0.42 |
| 6 | Affirm Holdings | 24.62 Bn | 22.89 Bn | 261.64 Mn | 0.16 |
| 7 | Synchrony Financial | 24.22 Bn | 3.66 Bn | - | 0.16 |
| 8 | SoFi Technologies | 23.71 Bn | 20.31 Bn | 929.25 Mn | 0.08 |
| 9 | Ally Financial | 13.13 Bn | 12.69 Bn | 1.98 Bn | 0.04 |
| 10 | Bread Financial Holdings | 3.83 Bn | 191.67 Mn | 983.00 Mn | 0.17 |
Historic Data
Download Data| Date | Value |
|---|---|
| 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 |