Bread Financial Holdings (BFH) Provision for Losses (2009 - 2026)
Bread Financial Holdings (BFH) recorded Provision for Losses of $321 million in 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 Losses (2009 - 2026) Analysis & Trends
On a TTM basis, Bread Financial Holdings' Provision for Losses came in at $1.31 billion as of Sep 30, 2026, up 1.9% year-over-year; for FY2025, it came in at $1.24 billion, down 11.1% from FY2024.
- Annual Provision for Losses has a five-year compound annual growth rate of -0.4% (FY2020 to FY2025).
- Across earlier years, Provision for Losses came in at $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 Losses has ranged from $107 million in Q1 2023 to $692 million in Q4 2022 over the past five years.
- On a year-over-year basis, Provision for Losses has increased for three consecutive quarters, with an average decline of 4.0% over the last eight quarters.
- Peak year-over-year performance for Provision for Losses in the last five years was growth of 484.8% in Q1 2022, against a decline of 44.6% in Q1 2023 at the low end.
- Per Business Quant, the preceding three quarters came in at $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) | Provision for Losses (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 | - | 1.27 Bn |
| 7 | Affirm Holdings | 23.17 Bn | 16.22 Bn | - | 259.36 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 | - | 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 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-losses&ticker=BFH&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "provision-for-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-losses&ticker=BFH&period=max&api_key=YOUR_API_KEY");
const data = await res.json();