Bread Financial Holdings (BFH) Loans - Loss Allowance (2009 - 2026)
Bread Financial Holdings (BFH) recorded Loans - Loss Allowance of $2.1 billion in Q3 2026, up 1.3% from $2.07 billion a year earlier and up 1.0% from the prior quarter.
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Analysis
Bread Financial Holdings (BFH) Loans - Loss Allowance (2009 - 2026) Analysis & Trends
At the end of FY2025, Bread Financial Holdings reported Loans - Loss Allowance of $2.11 billion, down 6.0% from FY2024.
- Annual Loans - Loss Allowance has declined for three straight years, though with a five-year compound annual growth rate of 1.0% (FY2020 to FY2025).
- Across earlier years, Loans - Loss Allowance came in at $2.24 billion in FY2024 (-3.7%), $2.33 billion in FY2023 (-5.5%), $2.46 billion in FY2022 (+34.5%) and $1.83 billion in FY2021 (-8.8%).
- Quarterly Loans - Loss Allowance has ranged from $1.83 billion in Q1 2022 to $2.46 billion in Q4 2022 over the past five years.
- On a year-over-year basis, Loans - Loss Allowance rose in 1 of the last eight quarters, with an average decline of 3.3%.
- Peak year-over-year performance for Loans - Loss Allowance in the last five years was growth of 34.5% in Q4 2022, against a decline of 8.8% in Q4 2021 at the low end.
- Per Business Quant, the preceding three quarters came in at $2.08 billion (Q2 2026), $2.08 billion (Q1 2026) and $2.11 billion (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Loans - Loss Allowance (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 | - | 9.42 Bn |
| 5 | Royal Gold | 23.60 Bn | 22.77 Bn | 390.45 Mn | - |
| 6 | Synchrony Financial | 23.18 Bn | -44.45 Bn | - | 10.34 Bn |
| 7 | Affirm Holdings | 23.17 Bn | 16.22 Bn | - | 636.12 Mn |
| 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 | - | 2.10 Bn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 2.10 Bn |
| Jun 30, 2026 | 2.08 Bn |
| Mar 31, 2026 | 2.08 Bn |
| Dec 31, 2025 | 2.11 Bn |
| Sep 30, 2025 | 2.07 Bn |
| Jun 30, 2025 | 2.10 Bn |
| Mar 31, 2025 | 2.17 Bn |
| Dec 31, 2024 | 2.24 Bn |
| Sep 30, 2024 | 2.19 Bn |
| Jun 30, 2024 | 2.16 Bn |
| Mar 31, 2024 | 2.26 Bn |
| Dec 31, 2023 | 2.33 Bn |
| Sep 30, 2023 | 2.21 Bn |
| Jun 30, 2023 | 2.21 Bn |
| Mar 31, 2023 | 2.22 Bn |
| Dec 31, 2022 | 2.46 Bn |
| Sep 30, 2022 | 2.07 Bn |
| Jun 30, 2022 | 1.99 Bn |
| Mar 31, 2022 | 1.83 Bn |
| Dec 31, 2021 | 1.83 Bn |
API Access
Bread Financial Holdings Loans - Loss Allowance 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=loans-loss-allowance&ticker=BFH&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "loans-loss-allowance", "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=loans-loss-allowance&ticker=BFH&period=max&api_key=YOUR_API_KEY");
const data = await res.json();