Bread Financial Holdings (BFH) Asset Utilization Ratio (2011 - 2026)
Bread Financial Holdings' (BFH) Asset Utilization Ratio stood at 0.18 in Q3 2026, up 0.4% from 0.17 a year earlier but down 1.0% from the prior quarter.
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Analysis
Bread Financial Holdings (BFH) Asset Utilization Ratio (2011 - 2026) Analysis & Trends
For FY2025, Bread Financial Holdings' Asset Utilization Ratio came in at 0.17, up 1.2% from FY2024.
- Across earlier years, Asset Utilization Ratio came in at 0.17 in FY2024 (-5.6%), 0.18 in FY2023 (+8.9%), 0.16 in FY2022 (+9.8%) and 0.15 in FY2021 (+9.8%).
- Quarterly Asset Utilization Ratio has ranged from 0.15 in Q4 2021 to 0.20 in Q3 2023 over the past five years.
- On a year-over-year basis, Asset Utilization Ratio has increased for four consecutive quarters, with an average decline of 1.8% over the last eight quarters.
- Peak year-over-year performance for Asset Utilization Ratio in the last five years was growth of 19.5% in Q3 2023, against a decline of 28.2% in Q4 2021 at the low end.
- Per Business Quant, the preceding three quarters came in at 0.18 (Q2 2026), 0.17 (Q1 2026) and 0.17 (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Asset Util. (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 40.96 Bn | 29.78 Bn | - | 0.19 |
| 2 | Orix | 36.82 Bn | 3.63 Bn | - | - |
| 3 | Royalty Pharma | 30.51 Bn | 27.88 Bn | - | 0.13 |
| 4 | Federal National Mortgage Association Fannie Mae | 26.64 Bn | 26.64 Bn | - | 0.01 |
| 5 | Royal Gold | 23.60 Bn | 22.77 Bn | 390.45 Mn | 0.16 |
| 6 | Synchrony Financial | 23.18 Bn | -44.45 Bn | - | 0.16 |
| 7 | Affirm Holdings | 23.17 Bn | 16.22 Bn | - | 0.28 |
| 8 | Annaly Capital Management | 14.38 Bn | 5.33 Bn | - | 0.02 |
| 9 | Ares Capital | 13.91 Bn | 11.66 Bn | - | 0.10 |
| 10 | Bread Financial Holdings | 3.74 Bn | -11.14 Bn | - | 0.18 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 0.18 |
| Jun 30, 2026 | 0.18 |
| 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 |
API Access
Bread Financial Holdings Asset Utilization Ratio 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=asset-utilization-ratio&ticker=BFH&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "asset-utilization-ratio", "ticker": "BFH", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=asset-utilization-ratio&ticker=BFH&period=max&api_key=YOUR_API_KEY");
const data = await res.json();