Bread Financial Holdings, Inc. (BFH) Return on Assets [ROA] (2011 - 2026)
Bread Financial Holdings (BFH) recorded Return on Assets [ROA] of 2.54% in Q2 2026, up 1.25 percentage points from 1.29% a year earlier and up 0.04 percentage points from the prior quarter.
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Analysis
Bread Financial Holdings, Inc. (BFH) Return on Assets [ROA] (2011 - 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).
- The Q2 2026 figure is the highest quarterly Return on Assets [ROA] since Q4 2023.
- On a year-over-year basis, Return on Assets [ROA] has increased for four consecutive quarters, with an average year-over-year change of -0.01 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 2.50% (Q1 2026), 2.34% (Q4 2025) and 2.17% (Q3 2025).
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Historic Data
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Historic Data
| Date | Value |
|---|---|
| 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% |
| Sep 30, 2021 | 3.61% |
API Access
Bread Financial Holdings, Inc. 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();