Bread Financial Holdings (BFH) Interest Expense - Debt (2021 - 2026)
Bread Financial Holdings (BFH) reported Interest Expense - Debt of $51 million for Q3 2026, down 28.2% from $71 million a year earlier and down 8.9% from the prior quarter.
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Analysis
Bread Financial Holdings (BFH) Interest Expense - Debt (2021 - 2026) Analysis & Trends
Over the twelve months ended Sep 30, 2026, Bread Financial Holdings' Interest Expense - Debt came in at $229 million, down 29.1% year-over-year; for FY2025, it came in at $300 million, down 14.8% from FY2024.
- Interest Expense - Debt has a five-year compound annual growth rate of 2.8% (FY2020 to FY2025).
- By year, Interest Expense - Debt came in at $352 million in FY2024 (+4.1%), $338 million in FY2023 (+30.0%), $260 million in FY2022 (+20.4%) and $216 million in FY2021 (-17.2%).
- The Q3 2026 figure ranks as the lowest quarterly Interest Expense - Debt since Q1 2022.
- Year over year, Interest Expense - Debt has now declined in each of the last seven quarters, with an average decline of 18.8% over the last eight quarters.
- The high point for year-over-year Interest Expense - Debt in five years was Q1 2023 (growth of 124.4%); the low point was Q1 2026 (a decline of 31.0%).
- Per Business Quant data, the three quarters before Q3 2026 came in at $56 million (Q2 2026), $60 million (Q1 2026) and $62 million (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Expense - Debt (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 40.96 Bn | 29.78 Bn | - | - |
| 2 | Orix | 36.82 Bn | 3.63 Bn | - | - |
| 3 | Royalty Pharma | 30.51 Bn | 27.88 Bn | - | - |
| 4 | Federal National Mortgage Association Fannie Mae | 26.64 Bn | 26.64 Bn | - | 33.74 Bn |
| 5 | Royal Gold | 23.60 Bn | 22.77 Bn | 390.45 Mn | - |
| 6 | Synchrony Financial | 23.18 Bn | -44.45 Bn | - | 106.00 Mn |
| 7 | Affirm Holdings | 23.17 Bn | 16.22 Bn | - | - |
| 8 | Annaly Capital Management | 14.38 Bn | 5.33 Bn | - | - |
| 9 | Ares Capital | 13.91 Bn | 11.66 Bn | - | - |
| 10 | Bread Financial Holdings | 3.74 Bn | -11.14 Bn | - | 51.00 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 51.00 Mn |
| Jun 30, 2026 | 56.00 Mn |
| Mar 31, 2026 | 60.00 Mn |
| Dec 31, 2025 | 62.00 Mn |
| Sep 30, 2025 | 71.00 Mn |
| Jun 30, 2025 | 81.00 Mn |
| Mar 31, 2025 | 87.00 Mn |
| Dec 31, 2024 | 84.00 Mn |
| Sep 30, 2024 | 87.00 Mn |
| Jun 30, 2024 | 89.00 Mn |
| Mar 31, 2024 | 93.00 Mn |
| Dec 31, 2023 | 84.00 Mn |
| Sep 30, 2023 | 76.00 Mn |
| Jun 30, 2023 | 78.00 Mn |
| Mar 31, 2023 | 101.00 Mn |
| Dec 31, 2022 | 94.00 Mn |
| Sep 30, 2022 | 67.00 Mn |
| Jun 30, 2022 | 54.00 Mn |
| Mar 31, 2022 | 45.00 Mn |
| Dec 31, 2021 | 48.00 Mn |
API Access
Bread Financial Holdings Interest Expense - Debt API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=interest-expense-debt&ticker=BFH&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "interest-expense-debt", "ticker": "BFH", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=interest-expense-debt&ticker=BFH&period=max&api_key=YOUR_API_KEY");
const data = await res.json();