Bread Financial Holdings, Inc. (BFH) Debt Ratio (2009 - 2026)
Bread Financial Holdings' Debt Ratio was 0.11 in Q2 2026, down 23.0% from 0.14 a year earlier and down 20.0% from the prior quarter.
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Analysis
Bread Financial Holdings, Inc. (BFH) Debt Ratio (2009 - 2026) Analysis & Trends
For FY2025, Debt Ratio at Bread Financial Holdings came in at 0.15, down 24.2% from FY2024.
- In earlier years, Debt Ratio was 0.20 in FY2024 (+18.2%), 0.17 in FY2023 (-30.0%), 0.24 in FY2022 (-4.0%) and 0.25 in FY2021 (-2.7%).
- The Q2 2026 figure marks the lowest quarterly Debt Ratio since Q4 2019.
- Compared with a year earlier, Debt Ratio has declined for five straight quarters, with an average decline of 5.7% over the last eight quarters.
- The best year-over-year quarter for Debt Ratio over five years was Q3 2024 (growth of 23.7%); the worst was Q1 2023 (a decline of 40.3%).
- Per Business Quant data, BFH's Debt Ratio in the three quarters before Q2 2026 was 0.14 (Q1 2026), 0.15 (Q4 2025) and 0.12 (Q3 2025).
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Peer Comparison
Historic Data
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Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 0.11 |
| Mar 31, 2026 | 0.14 |
| Dec 31, 2025 | 0.15 |
| Sep 30, 2025 | 0.12 |
| Jun 30, 2025 | 0.14 |
| Mar 31, 2025 | 0.17 |
| Dec 31, 2024 | 0.20 |
| Sep 30, 2024 | 0.16 |
| Jun 30, 2024 | 0.16 |
| Mar 31, 2024 | 0.15 |
| Dec 31, 2023 | 0.17 |
| Sep 30, 2023 | 0.13 |
| Jun 30, 2023 | 0.15 |
| Mar 31, 2023 | 0.14 |
| Dec 31, 2022 | 0.24 |
| Sep 30, 2022 | 0.18 |
| Jun 30, 2022 | 0.25 |
| Mar 31, 2022 | 0.23 |
| Dec 31, 2021 | 0.85 |
| Dec 31, 2020 | 0.26 |
API Access
Bread Financial Holdings, Inc. Debt 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=debt-ratio&ticker=BFH&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "debt-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=debt-ratio&ticker=BFH&period=max&api_key=YOUR_API_KEY");
const data = await res.json();