Bread Financial Holdings (BFH) Interest Expense - Deposits (2021 - 2026)
Bread Financial Holdings (BFH) recorded Interest Expense - Deposits of $148 million in Q3 2026, up 6.5% from $139 million a year earlier and up 6.5% from the prior quarter.
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Analysis
Bread Financial Holdings (BFH) Interest Expense - Deposits (2021 - 2026) Analysis & Trends
On a TTM basis, Bread Financial Holdings' Interest Expense - Deposits came in at $557 million as of Sep 30, 2026, down 1.1% year-over-year; for FY2025, it came in at $554 million, down 8.9% from FY2024.
- Annual Interest Expense - Deposits has a five-year compound annual growth rate of 18.4% (FY2020 to FY2025).
- Across earlier years, Interest Expense - Deposits came in at $608 million in FY2024 (+12.4%), $541 million in FY2023 (+122.6%), $243 million in FY2022 (+45.5%) and $167 million in FY2021 (-29.8%).
- The Q3 2026 figure is the highest quarterly Interest Expense - Deposits since Q3 2024.
- On a year-over-year basis, Interest Expense - Deposits rose in 1 of the last eight quarters, with an average decline of 4.6%.
- Peak year-over-year performance for Interest Expense - Deposits in the last five years was growth of 244.1% in Q1 2023, against a decline of 27.7% in Q1 2022 at the low end.
- Per Business Quant, the preceding three quarters came in at $139 million (Q2 2026), $133 million (Q1 2026) and $137 million (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Expense - Deposits (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 | - | - |
| 5 | Royal Gold | 23.60 Bn | 22.77 Bn | 390.45 Mn | - |
| 6 | Synchrony Financial | 23.18 Bn | -44.45 Bn | - | 767.00 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 | - | 148.00 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 148.00 Mn |
| Jun 30, 2026 | 139.00 Mn |
| Mar 31, 2026 | 133.00 Mn |
| Dec 31, 2025 | 137.00 Mn |
| Sep 30, 2025 | 139.00 Mn |
| Jun 30, 2025 | 139.00 Mn |
| Mar 31, 2025 | 138.00 Mn |
| Dec 31, 2024 | 147.00 Mn |
| Sep 30, 2024 | 153.00 Mn |
| Jun 30, 2024 | 152.00 Mn |
| Mar 31, 2024 | 155.00 Mn |
| Dec 31, 2023 | 154.00 Mn |
| Sep 30, 2023 | 143.00 Mn |
| Jun 30, 2023 | 127.00 Mn |
| Mar 31, 2023 | 117.00 Mn |
| Dec 31, 2022 | 101.00 Mn |
| Sep 30, 2022 | 66.00 Mn |
| Jun 30, 2022 | 41.00 Mn |
| Mar 31, 2022 | 34.00 Mn |
| Dec 31, 2021 | 37.00 Mn |
API Access
Bread Financial Holdings Interest Expense - Deposits 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-deposits&ticker=BFH&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "interest-expense-deposits", "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-deposits&ticker=BFH&period=max&api_key=YOUR_API_KEY");
const data = await res.json();