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| Date | Value |
|---|---|
| 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 |