Bread Financial Holdings (BFH) FCF Payout Ratio (2015 - 2025)
Bread Financial Holdings' quarterly FCF Payout Ratio came in at 0.01 in Q3 2025, down 87.95% year-on-year from 0.12 in Q3 2024, and down 21.75% quarter-over-quarter from 0.02 in Q2 2025.
Bread Financial Holdings (BFH) FCF Payout Ratio (2015 - 2025) Analysis & Trends
Bread Financial Holdings has reported FCF Payout Ratio for 11 years, with the latest figure at 0.01 in Q3 2025.
- For the quarter ending Q3 2025, FCF Payout Ratio fell 87.95% year-over-year to 0.01; the trailing twelve-month figure through Sep 2025 stood at 0.02 (down 38.53% YoY), and the FY2024 full-year result was 0.03, up 4.59% from the prior year.
- FCF Payout Ratio for Q3 2025 stood at 0.01, 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.
- Year-over-year, FCF Payout Ratio tumbled 7176.67% in 2022 and surged 605.95% in 2024.
- Tracing BFH's FCF Payout Ratio over 5 years: stood at 0.03 in 2021, then slumped by 130.62% to 0.01 in 2022, then surged by 527.47% to 0.04 in 2023, then plunged by 48.11% to 0.02 in 2024, then tumbled by 35.49% to 0.01 in 2025.
- The last three FCF Payout Ratio figures came in at 0.01 (Q3 2025), 0.02 (Q2 2025), and 0.03 (Q1 2025), per Business Quant data.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 539.53 Bn | 527.13 Bn | - | 0.49 |
| 2 | Mastercard | 441.81 Bn | 431.60 Bn | - | 0.28 |
| 3 | American Express | 215.01 Bn | 160.96 Bn | 17.43 Bn | 0.22 |
| 4 | Capital One Financial | 114.99 Bn | 38.50 Bn | - | 0.09 |
| 5 | PayPal Holdings | 41.29 Bn | 31.95 Bn | 7.84 Bn | 0.14 |
| 6 | Affirm Holdings | 24.62 Bn | 22.89 Bn | 261.64 Mn | - |
| 7 | Synchrony Financial | 24.22 Bn | 3.66 Bn | - | 0.01 |
| 8 | SoFi Technologies | 23.71 Bn | 20.31 Bn | 929.25 Mn | - |
| 9 | Ally Financial | 13.13 Bn | 12.69 Bn | 1.98 Bn | 0.02 |
| 10 | Bread Financial Holdings | 3.83 Bn | 191.67 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 |