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Asset Utilization RatioAssets AverageDebt RatioDebt to EquityEBIT MarginEBITDA MarginEBT MarginEnterprise ValueEquity AverageEquity RatioFCF MarginFCF Payout RatioGross MarginInterest Coverage RatioInvested CapitalNet MarginOperating MarginReturn on AssetsReturn on EquityReturn on Invested CapitalReturn on SalesTimes Interest Earned

Bread Financial Holdings (BFH) FCF Margin (2016 - 2025)

Bread Financial Holdings (BFH) has 17 years of FCF Margin data on record, last reported at 58.26% in Q4 2025.

  • For Q4 2025, FCF Margin rose 669.0% year-over-year to 58.26%; the TTM value through Dec 2025 reached 54.41%, up 1579.0%, while the annual FY2025 figure was 54.41%, 1579.0% up from the prior year.
  • FCF Margin reached 58.26% in Q4 2025 per BFH's latest filing, down from 62.31% in the prior quarter.
  • Across five years, FCF Margin topped out at 62.97% in Q1 2021 and bottomed at 102.42% in Q4 2022.
  • Average FCF Margin over 5 years is 35.24%, with a median of 47.95% recorded in 2024.
  • Peak YoY movement for FCF Margin: surged 41410bps in 2021, then crashed -13564bps in 2022.
  • A 5-year view of FCF Margin shows it stood at 33.22% in 2021, then plummeted by -408bps to 102.42% in 2022, then skyrocketed by 122bps to 22.15% in 2023, then skyrocketed by 133bps to 51.57% in 2024, then rose by 13bps to 58.26% in 2025.
  • Per Business Quant database, its latest 3 readings for FCF Margin were 58.26% in Q4 2025, 62.31% in Q3 2025, and 56.62% in Q2 2025.