Bread Financial Holdings (BFH) FCF Payout Ratio (2015 - 2026)
Bread Financial Holdings (BFH) posted FCF Payout Ratio of 0.02 for Q2 2026, down 28.21% on a QoQ basis from 0.03 in Q1 2026, and up 8.56% year-over-year from 0.02 in Q2 2025.
Analysis
Bread Financial Holdings (BFH) FCF Payout Ratio (2015 - 2026) Analysis & Trends
Bread Financial Holdings has reported FCF Payout Ratio for 12 years, with the latest figure at 0.02 in Q2 2026.
- On a quarterly basis, FCF Payout Ratio rose 8.56% year-over-year to 0.02 in Q2 2026; TTM through Jun 2026 was 0.02, a 29.52% decrease from a year earlier, with the FY2025 full-year figure at 0.02, down 30.81% from the prior year.
- FCF Payout Ratio was 0.02 for Q2 2026 at Bread Financial Holdings, down from 0.03 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 0.18, with a median of 0.02 recorded in 2024.
- The sharpest annual moves came in 2022 and 2024: FCF Payout Ratio slumped 7176.67% in 2022, then jumped 605.95% in 2024.
- Over 5 years, FCF Payout Ratio stood at 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 dropped by 16.02% to 0.02 in 2025, then advanced by 6.57% to 0.02 in 2026.
- The last three FCF Payout Ratio figures came in at 0.02 (Q2 2026), 0.03 (Q1 2026), and 0.02 (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 24.38 Bn | 8.19 Bn | - | 0.04 |
| 2 | Affirm Holdings | 24.01 Bn | 22.38 Bn | - | - |
| 3 | FirstCash Holdings | 9.50 Bn | 9.33 Bn | 533.67 Mn | 0.22 |
| 4 | Credit Acceptance | 6.00 Bn | 5.51 Bn | 569.30 Mn | - |
| 5 | Slm | 4.72 Bn | -77.52 Mn | - | - |
| 6 | Enova International | 4.35 Bn | 4.22 Bn | 568.07 Mn | - |
| 7 | Bread Financial Holdings | 4.20 Bn | -15.89 Bn | 957.00 Mn | 0.02 |
| 8 | StoneCo | 2.99 Bn | 1.38 Bn | 308.97 Mn | 1.65 |
| 9 | Ezcorp | 1.88 Bn | 1.57 Bn | 246.19 Mn | - |
| 10 | Navient | 1.64 Bn | 275.03 Mn | - | 0.10 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 0.02 |
| Mar 31, 2026 | 0.03 |
| Dec 31, 2025 | 0.02 |
| 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 |