Bread Financial Holdings (BFH) Free Cash Flow (2009 - 2026)

Bread Financial Holdings' quarterly Free Cash Flow came in at $487.0 million in Q1 2026, up 23.92% year-on-year from $393.0 million in Q1 2025, and down 14.26% quarter-over-quarter from $568.0 million in Q4 2025.

Bread Financial Holdings (BFH) Free Cash Flow (2009 - 2026) Analysis & Trends

Bread Financial Holdings has reported Free Cash Flow for 18 years, with the latest figure at $487.0 million in Q1 2026.

  • For the quarter ending Q1 2026, Free Cash Flow rose 23.92% year-over-year to $487.0 million; the trailing twelve-month figure through Mar 2026 stood at $2.2 billion (up 53.08% YoY), and the FY2025 full-year result was $2.1 billion, up 41.16% from the prior year.
  • Free Cash Flow for Q1 2026 stood at $487.0 million, down from $568.0 million in the prior quarter.
  • The five-year high for Free Cash Flow was $629.0 million in Q3 2023, with the low at -$1.1 billion in Q4 2022.
  • Average Free Cash Flow over 5 years is $330.5 million, with a median of $477.0 million recorded in 2024.
  • Year-over-year, Free Cash Flow tumbled 426.54% in 2022 and surged 11533.33% in 2023.
  • Tracing BFH's Free Cash Flow over 5 years: stood at -$1.1 billion in 2022, then soared by 121.27% to $225.0 million in 2023, then jumped by 112.0% to $477.0 million in 2024, then advanced by 19.08% to $568.0 million in 2025, then retreated by 14.26% to $487.0 million in 2026.
  • The last three Free Cash Flow figures came in at $487.0 million (Q1 2026), $568.0 million (Q4 2025), and $605.0 million (Q3 2025), per Business Quant data.

Peer Comparison

# Company Market Cap Enterprise Value Gross Profit (Qtr) Free Cash Flow (Qtr)
1 Visa 539.53 Bn 527.13 Bn - 2.63 Bn
2 Mastercard 441.81 Bn 431.60 Bn - 2.82 Bn
3 American Express 215.01 Bn 160.96 Bn 17.43 Bn 2.66 Bn
4 Capital One Financial 114.99 Bn 38.50 Bn - 5.47 Bn
5 PayPal Holdings 41.29 Bn 31.95 Bn 7.84 Bn 903.00 Mn
6 Affirm Holdings 24.62 Bn 22.89 Bn 261.64 Mn 22.68 Bn
7 Synchrony Financial 24.22 Bn 3.66 Bn - 2.18 Bn
8 SoFi Technologies 23.71 Bn 20.31 Bn 929.25 Mn -2.38 Bn
9 Ally Financial 13.13 Bn 12.69 Bn 1.98 Bn 1.37 Bn
10 Bread Financial Holdings 3.83 Bn 191.67 Mn 983.00 Mn 487.00 Mn

Historic Data

Download Data
DateValue
Mar 31, 2026 487.00 Mn
Mar 31, 2026 487.00 Mn
Dec 31, 2025 568.00 Mn
Dec 31, 2025 568.00 Mn
Sep 30, 2025 605.00 Mn
Sep 30, 2025 605.00 Mn
Jun 30, 2025 526.00 Mn
Jun 30, 2025 526.00 Mn
Mar 31, 2025 393.00 Mn
Mar 31, 2025 393.00 Mn
Dec 31, 2024 477.00 Mn
Dec 31, 2024 477.00 Mn
Sep 30, 2024 81.00 Mn
Sep 30, 2024 81.00 Mn
Jun 30, 2024 477.00 Mn
Jun 30, 2024 477.00 Mn
Mar 31, 2024 447.00 Mn
Mar 31, 2024 447.00 Mn
Dec 31, 2023 225.00 Mn
Dec 31, 2023 225.00 Mn