Bread Financial Holdings (BFH) Provision for Credit Losses (2010 - 2026)
Bread Financial Holdings (BFH) posted Provision for Credit Losses of $321 million for Q3 2026, up 7.4% from $299 million a year earlier and up 2.6% from the prior quarter.
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Analysis
Bread Financial Holdings (BFH) Provision for Credit Losses (2010 - 2026) Analysis & Trends
For the trailing twelve months through Sep 30, 2026, Provision for Credit Losses at Bread Financial Holdings was $1.31 billion, up 1.9% year-over-year; for FY2025, it was $1.24 billion, down 11.1% from FY2024.
- Annual Provision for Credit Losses shows a five-year compound annual growth rate of -0.4% (FY2020 to FY2025).
- In prior years, Bread Financial Holdings' Provision for Credit Losses was $1.4 billion in FY2024 (+13.7%), $1.23 billion in FY2023 (-22.9%), $1.59 billion in FY2022 (+193.0%) and $544 million in FY2021 (-57.0%).
- Quarterly Provision for Credit Losses has run from a low of $107 million in Q1 2023 to a high of $692 million in Q4 2022 over five years.
- On a year-over-year basis, Provision for Credit Losses has increased in each of the last three quarters, with an average decline of 4.0% over the last eight quarters.
- The strongest year-over-year quarter for Provision for Credit Losses in the past five years was Q1 2022, with growth of 484.8%; the weakest was Q1 2023, with a decline of 44.6%.
- According to Business Quant data, Provision for Credit Losses for the three prior quarters was $313 million (Q2 2026), $303 million (Q1 2026) and $373 million (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Provisions (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 41.00 Bn | 29.82 Bn | - | - |
| 2 | Royalty Pharma | 39.88 Bn | 40.21 Bn | - | -88.32 Mn |
| 3 | Orix | 36.75 Bn | 7.39 Bn | 13.83 Bn | 14.87 Mn |
| 4 | Federal National Mortgage Association Fannie Mae | 25.40 Bn | -16,108.71 Bn | - | 1.14 Bn |
| 5 | Royal Gold | 23.20 Bn | 22.41 Bn | 402.46 Mn | - |
| 6 | Affirm Holdings | 22.35 Bn | 15.40 Bn | - | 259.36 Mn |
| 7 | Synchrony Financial | 22.29 Bn | -45.34 Bn | - | 1.27 Bn |
| 8 | Annaly Capital Management | 14.69 Bn | 5.72 Bn | - | - |
| 9 | Ares Capital | 14.04 Bn | 11.79 Bn | - | - |
| 10 | Bread Financial Holdings | 3.68 Bn | -11.21 Bn | - | 321.00 Mn |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 321.00 Mn |
| Jun 30, 2026 | 313.00 Mn |
| Mar 31, 2026 | 303.00 Mn |
| Dec 31, 2025 | 373.00 Mn |
| Sep 30, 2025 | 299.00 Mn |
| Jun 30, 2025 | 274.00 Mn |
| Mar 31, 2025 | 296.00 Mn |
| Dec 31, 2024 | 417.00 Mn |
| Sep 30, 2024 | 369.00 Mn |
| Jun 30, 2024 | 290.00 Mn |
| Mar 31, 2024 | 321.00 Mn |
| Dec 31, 2023 | 482.00 Mn |
| Sep 30, 2023 | 304.00 Mn |
| Jun 30, 2023 | 336.00 Mn |
| Mar 31, 2023 | 107.00 Mn |
| Dec 31, 2022 | 692.00 Mn |
| Sep 30, 2022 | 304.00 Mn |
| Jun 30, 2022 | 404.00 Mn |
| Mar 31, 2022 | 193.00 Mn |
| Dec 31, 2021 | 364.00 Mn |
API Access
Bread Financial Holdings Provision for Credit Losses 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=provision-for-credit-losses&ticker=BFH&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "provision-for-credit-losses", "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=provision-for-credit-losses&ticker=BFH&period=max&api_key=YOUR_API_KEY");
const data = await res.json();