Bread Financial Holdings (BFH) Interest Coverage Ratio (2009 - 2026)
Bread Financial Holdings (BFH) posted quarterly Interest Coverage Ratio of 2.65 for Q1 2026, up 30.07% year-over-year from 2.04 in Q1 2025, and up 40.13% on a QoQ basis from 1.89 in Q4 2025.
Bread Financial Holdings (BFH) Interest Coverage Ratio (2009 - 2026) Analysis & Trends
Bread Financial Holdings (BFH) has reported Interest Coverage Ratio for 18 consecutive years, with 2.65 the latest figure, recorded in Q1 2026.
- In Q1 2026, Interest Coverage Ratio rose 30.07% year-over-year to 2.65; the TTM figure through Mar 2026 stood at 2.14 (up 24.62% YoY), while the FY2025 annual figure was 2.0, up 17.65% from the prior year.
- Interest Coverage Ratio came in at 2.65 for Q1 2026 at Bread Financial Holdings, up from 1.89 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 2.04 recorded in 2025.
- Across the five-year window, Interest Coverage Ratio soared 116.36% in 2022 and plunged 52.16% in 2023, its largest moves.
- Year by year, Interest Coverage Ratio stood at 2.19 in 2022, then dropped by 13.09% to 1.91 in 2023, then decreased by 22.39% to 1.48 in 2024, then rose by 27.62% to 1.89 in 2025, then soared by 40.13% to 2.65 in 2026.
- According to Business Quant data, Interest Coverage Ratio over the past three periods registered 2.65, 1.89, and 2.18 for Q1 2026, Q4 2025, and Q3 2025 respectively.
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Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Visa | 587.74 Bn | 575.34 Bn | - | 40.64 |
| 2 | Mastercard | 465.55 Bn | 455.34 Bn | - | 26.52 |
| 3 | American Express | 238.39 Bn | 184.35 Bn | 17.43 Bn | 1.80 |
| 4 | PayPal Holdings | 40.24 Bn | 30.89 Bn | 7.84 Bn | - |
| 5 | Affirm Holdings | 28.27 Bn | 26.55 Bn | 261.64 Mn | 0.78 |
| 6 | SoFi Technologies | 23.54 Bn | 20.13 Bn | 929.25 Mn | 0.12 |
| 7 | Ally Financial | 14.34 Bn | 13.89 Bn | 1.98 Bn | 0.49 |
| 8 | Credit Acceptance | 7.51 Bn | 7.49 Bn | 562.70 Mn | 1.23 |
| 9 | FinVolution | 6.22 Bn | 4.97 Bn | 311.24 Mn | - |
| 10 | Bread Financial Holdings | 4.51 Bn | 875.83 Mn | 983.00 Mn | 2.65 |
Historic Data
Download Data| Date | Value |
|---|---|
| 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 | -13.42 |
| Sep 30, 2021 | 4.21 |
| Jun 30, 2021 | 4.73 |