Bread Financial Holdings (BFH) Debt Ratio (2009 - 2026)
Bread Financial Holdings' Debt Ratio was 0.10 in Q3 2026, down 19.4% from 0.12 a year earlier and down 8.6% from the prior quarter.
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Analysis
Bread Financial Holdings (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 (-71.7%) and 0.85 in FY2021 (+229.5%).
- The Q3 2026 figure marks the lowest quarterly Debt Ratio in data going back to Q4 2009.
- Compared with a year earlier, Debt Ratio has declined for six straight quarters, with an average decline of 11.1% over the last eight quarters.
- The best year-over-year quarter for Debt Ratio over five years was Q4 2021 (growth of 229.5%); the worst was Q4 2022 (a decline of 71.7%).
- Per Business Quant data, BFH's Debt Ratio in the three quarters before Q3 2026 was 0.11 (Q2 2026), 0.14 (Q1 2026) and 0.15 (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Debt Ratio (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 40.96 Bn | 29.78 Bn | - | 0.41 |
| 2 | Orix | 36.82 Bn | 3.63 Bn | - | 0.36 |
| 3 | Royalty Pharma | 30.51 Bn | 27.88 Bn | - | 0.44 |
| 4 | Federal National Mortgage Association Fannie Mae | 26.64 Bn | 26.64 Bn | - | 0.97 |
| 5 | Royal Gold | 23.60 Bn | 22.77 Bn | 390.45 Mn | 0.04 |
| 6 | Synchrony Financial | 23.18 Bn | -44.45 Bn | - | 0.07 |
| 7 | Affirm Holdings | 23.17 Bn | 16.22 Bn | - | 0.18 |
| 8 | Annaly Capital Management | 14.38 Bn | 5.33 Bn | - | 0.26 |
| 9 | Ares Capital | 13.91 Bn | 11.66 Bn | - | 0.49 |
| 10 | Bread Financial Holdings | 3.74 Bn | -11.14 Bn | - | 0.10 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 0.10 |
| 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 |
API Access
Bread Financial Holdings 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();