Bread Financial Holdings (BFH) Return on Assets [ROA] (2009 - 2026)
Bread Financial Holdings (BFH) recorded Return on Assets [ROA] of 2.35% in Q3 2026, up 0.18 percentage points from 2.17% a year earlier but down 0.19 percentage points from the prior quarter.
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Analysis
Bread Financial Holdings (BFH) Return on Assets [ROA] (2009 - 2026) Analysis & Trends
For FY2025, Bread Financial Holdings reported Return on Assets [ROA] of 2.27%, up 1.07 percentage points from FY2024.
- Annual Return on Assets [ROA] has a five-year change of +1.40 percentage points (FY2020 to FY2025).
- Across earlier years, Return on Assets [ROA] came in at 1.20% in FY2024 (-1.75 pp), 2.96% in FY2023 (+2.01 pp), 0.95% in FY2022 (-2.67 pp) and 3.62% in FY2021 (+2.74 pp).
- Quarterly Return on Assets [ROA] has ranged from 0.94% in Q4 2022 to 3.65% in Q4 2021 over the past five years.
- On a year-over-year basis, Return on Assets [ROA] has increased for five consecutive quarters, with an average year-over-year change of +0.15 percentage points over the last eight quarters.
- Peak year-over-year performance for Return on Assets [ROA] in the last five years was a gain of 2.67 percentage points in Q4 2021, against a drop of 2.71 percentage points in Q4 2022 at the low end.
- Per Business Quant, the preceding three quarters came in at 2.54% (Q2 2026), 2.50% (Q1 2026) and 2.34% (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | ROA (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 41.00 Bn | 29.82 Bn | - | 2.15% |
| 2 | Royalty Pharma | 39.88 Bn | 40.21 Bn | - | 5.97% |
| 3 | Orix | 36.75 Bn | 7.39 Bn | 13.83 Bn | 6.22% |
| 4 | Federal National Mortgage Association Fannie Mae | 25.40 Bn | -16,108.71 Bn | - | 0.36% |
| 5 | Royal Gold | 23.20 Bn | 22.41 Bn | 402.46 Mn | 8.94% |
| 6 | Affirm Holdings | 22.35 Bn | 15.40 Bn | - | 12.51% |
| 7 | Synchrony Financial | 22.29 Bn | -45.34 Bn | - | 2.73% |
| 8 | Annaly Capital Management | 14.69 Bn | 5.72 Bn | - | 0.78% |
| 9 | Ares Capital | 14.04 Bn | 11.79 Bn | - | - |
| 10 | Bread Financial Holdings | 3.68 Bn | -11.21 Bn | - | 2.35% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 2.35% |
| Jun 30, 2026 | 2.54% |
| Mar 31, 2026 | 2.50% |
| Dec 31, 2025 | 2.34% |
| Sep 30, 2025 | 2.17% |
| Jun 30, 2025 | 1.29% |
| Mar 31, 2025 | 1.24% |
| Dec 31, 2024 | 1.24% |
| Sep 30, 2024 | 1.42% |
| Jun 30, 2024 | 2.16% |
| Mar 31, 2024 | 1.74% |
| Dec 31, 2023 | 3.20% |
| Sep 30, 2023 | 2.50% |
| Jun 30, 2023 | 2.31% |
| Mar 31, 2023 | 1.97% |
| Dec 31, 2022 | 0.94% |
| Sep 30, 2022 | 1.71% |
| Jun 30, 2022 | 2.17% |
| Mar 31, 2022 | 3.40% |
| Dec 31, 2021 | 3.65% |
API Access
Bread Financial Holdings Return on Assets [ROA] 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=return-on-assets-%5Broa%5D&ticker=BFH&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "return-on-assets-[roa]", "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=return-on-assets-%5Broa%5D&ticker=BFH&period=max&api_key=YOUR_API_KEY");
const data = await res.json();