Bread Financial Holdings (BFH) FCF Payout Ratio (2015 - 2025)
Bread Financial Holdings (BFH) posted quarterly FCF Payout Ratio of 0.01 for Q3 2025, down 87.95% year-over-year from 0.12 in Q3 2024, and down 21.75% on a QoQ basis from 0.02 in Q2 2025.
Bread Financial Holdings (BFH) FCF Payout Ratio (2015 - 2025) Analysis & Trends
Bread Financial Holdings (BFH) has reported FCF Payout Ratio for 11 consecutive years, with 0.01 the latest figure, recorded in Q3 2025.
- In Q3 2025, FCF Payout Ratio fell 87.95% year-over-year to 0.01; the TTM figure through Sep 2025 stood at 0.02 (down 38.53% YoY), while the FY2024 annual figure was 0.03, up 4.59% from the prior year.
- FCF Payout Ratio came in at 0.01 for Q3 2025 at Bread Financial Holdings, down from 0.02 in the prior quarter.
- The five-year high for FCF Payout Ratio was 0.12 in Q3 2024, with the low at 3.67 in Q2 2022.
- Average FCF Payout Ratio over 5 years is 0.16, with a median of 0.02 recorded in 2024.
- Across the five-year window, FCF Payout Ratio plunged 7176.67% in 2022 and soared 605.95% in 2024, its largest moves.
- Year by year, FCF Payout Ratio stood at 0.03 in 2021, then plunged by 130.62% to 0.01 in 2022, then jumped by 527.47% to 0.04 in 2023, then slumped by 48.11% to 0.02 in 2024, then sank by 35.49% to 0.01 in 2025.
- According to Business Quant data, FCF Payout Ratio over the past three periods registered 0.01, 0.02, and 0.03 for Q3 2025, Q2 2025, and Q1 2025 respectively.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 0.49 |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 0.28 |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 0.22 |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | 0.14 |
| 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 | 0.02 |
| 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 | - |
Historic Data
Download Data| Date | Value |
|---|---|
| Sep 30, 2025 | 0.01 |
| Jun 30, 2025 | 0.02 |
| Mar 31, 2025 | 0.03 |
| Dec 31, 2024 | 0.02 |
| Sep 30, 2024 | 0.12 |
| Jun 30, 2024 | 0.02 |
| Mar 31, 2024 | 0.02 |
| Dec 31, 2023 | 0.04 |
| Sep 30, 2023 | 0.02 |
| Jun 30, 2023 | 0.03 |
| Mar 31, 2023 | 0.03 |
| Dec 31, 2022 | -0.01 |
| Sep 30, 2022 | 0.02 |
| Jun 30, 2022 | -3.67 |
| Mar 31, 2022 | 0.02 |
| Dec 31, 2021 | 0.03 |
| Sep 30, 2021 | 0.02 |
| Jun 30, 2021 | 0.05 |
| Mar 31, 2021 | 0.02 |
| Dec 31, 2020 | 0.03 |