Bread Financial Holdings (BFH) Interest Coverage Ratio (2009 - 2026)
Bread Financial Holdings (BFH) posted Interest Coverage Ratio of 2.43 for Q2 2026, down 8.19% on a QoQ basis from 2.65 in Q1 2026, and up 29.17% year-over-year from 1.88 in Q2 2025.
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Analysis
Bread Financial Holdings (BFH) Interest Coverage Ratio (2009 - 2026) Analysis & Trends
Bread Financial Holdings has reported Interest Coverage Ratio for 18 years, with the latest figure at 2.43 in Q2 2026.
- On a quarterly basis, Interest Coverage Ratio rose 29.17% year-over-year to 2.43 in Q2 2026; TTM through Jun 2026 was 2.28, a 31.83% increase from a year earlier, with the FY2025 full-year figure at 2.0, up 17.65% from the prior year.
- Interest Coverage Ratio was 2.43 for Q2 2026 at Bread Financial Holdings, down from 2.65 in the prior quarter.
- The five-year high for Interest Coverage Ratio was 5.87 in Q1 2022, with the low at 1.48 in Q4 2024.
- Average Interest Coverage Ratio over 5 years is 2.47, with a median of 2.11 recorded in 2025.
- The sharpest annual moves came in 2023 and 2025: Interest Coverage Ratio slumped 52.16% in 2023, then soared 40.78% in 2025.
- Over 5 years, Interest Coverage Ratio stood at 2.19 in 2022, then decreased by 13.09% to 1.91 in 2023, then fell by 22.39% to 1.48 in 2024, then grew by 27.62% to 1.89 in 2025, then rose by 28.65% to 2.43 in 2026.
- The last three Interest Coverage Ratio figures came in at 2.43 (Q2 2026), 2.65 (Q1 2026), and 1.89 (Q4 2025), per Business Quant data.
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Synchrony Financial | 24.38 Bn | 8.19 Bn | - | 2.22 |
| 2 | Affirm Holdings | 24.01 Bn | 22.38 Bn | - | 1.24 |
| 3 | FirstCash Holdings | 9.50 Bn | 9.33 Bn | 533.67 Mn | 3.56 |
| 4 | Credit Acceptance | 6.00 Bn | 5.51 Bn | 569.30 Mn | 1.40 |
| 5 | Slm | 4.72 Bn | -77.52 Mn | - | 1.30 |
| 6 | Enova International | 4.35 Bn | 4.22 Bn | 568.07 Mn | 2.42 |
| 7 | Bread Financial Holdings | 4.20 Bn | -15.89 Bn | 957.00 Mn | 2.43 |
| 8 | StoneCo | 2.99 Bn | 1.38 Bn | 308.97 Mn | 1.64 |
| 9 | Ezcorp | 1.88 Bn | 1.57 Bn | 246.19 Mn | 6.56 |
| 10 | Navient | 1.64 Bn | 275.03 Mn | - | 1.07 |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 2.43 |
| Mar 31, 2026 | 2.65 |
| Dec 31, 2025 | 1.89 |
| Sep 30, 2025 | 2.18 |
| Jun 30, 2025 | 1.88 |
| Mar 31, 2025 | 2.04 |
| Dec 31, 2024 | 1.48 |
| Sep 30, 2024 | 1.55 |
| Jun 30, 2024 | 1.81 |
| Mar 31, 2024 | 1.94 |
| Dec 31, 2023 | 1.91 |
| Sep 30, 2023 | 2.25 |
| Jun 30, 2023 | 1.86 |
| Mar 31, 2023 | 3.24 |
| Dec 31, 2022 | 2.19 |
| Sep 30, 2022 | 3.38 |
| Jun 30, 2022 | 3.89 |
| Mar 31, 2022 | 5.87 |
| Dec 31, 2021 | 4.48 |
| Sep 30, 2021 | 4.21 |