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
DateValue
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