Bread Financial Holdings (BFH) Change in Net Loans (2009 - 2026)
Bread Financial Holdings (BFH) posted quarterly Change in Net Loans of -$328.0 million for Q1 2026, up 52.94% year-over-year from -$214.5 million in Q1 2025, and down 121.85% on a QoQ basis from $1.5 billion in Q4 2025.
Bread Financial Holdings (BFH) Change in Net Loans (2009 - 2026) Analysis & Trends
Bread Financial Holdings (BFH) has reported Change in Net Loans for 18 consecutive years, with -$328.0 million the latest figure, recorded in 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 came in at -$328.0 million for Q1 2026 at Bread Financial Holdings, down from $1.5 billion in the prior quarter.
- The five-year high for Change in Net Loans was $2.1 billion in Q4 2022, with the low at -$746.0 million in Q1 2024.
- Average Change in Net Loans over 5 years is $366.6 million, with a median of $258.0 million recorded in 2023.
- Across the five-year window, Change in Net Loans slumped 116.81% in 2023 and jumped 296.23% in 2025, its largest moves.
- Year by year, Change in Net Loans stood at $2.1 billion in 2022, then slumped by 33.15% to $1.4 billion in 2023, then declined by 1.9% to $1.3 billion in 2024, then climbed by 11.6% to $1.5 billion in 2025, then sank by 121.85% to -$328.0 million in 2026.
- According to Business Quant data, Change in Net Loans over the past three periods registered -$328.0 million, $1.5 billion, and $331.0 million for Q1 2026, Q4 2025, and Q3 2025 respectively.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Change in Net Loans (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | - |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | - |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | -512.00 Mn |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | - |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | - |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | - |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | - |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | - |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | - |
| 10 | Bread Financial Holdings | 4.51 Bn | 875.83 Mn | 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 |