Bread Financial Holdings (BFH) Return on Equity [ROE] (2009 - 2026)
Bread Financial Holdings (BFH) posted Return on Equity [ROE] of 15.79% for Q3 2026, up 1.23 percentage points from 14.56% a year earlier but down 1.22 percentage points from the prior quarter.
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Analysis
Bread Financial Holdings (BFH) Return on Equity [ROE] (2009 - 2026) Analysis & Trends
For FY2025, Bread Financial Holdings' Return on Equity [ROE] came in at 16.24%, up 6.96 percentage points from FY2024.
- Annual Return on Equity [ROE] shows a five-year change of +2.49 percentage points (FY2020 to FY2025).
- In prior years, Bread Financial Holdings' Return on Equity [ROE] was 9.28% in FY2024 (-18.42 pp), 27.71% in FY2023 (+17.46 pp), 10.25% in FY2022 (-34.15 pp) and 44.40% in FY2021 (+30.64 pp).
- Quarterly Return on Equity [ROE] has run from a low of 8.96% in Q4 2024 to a high of 37.03% in Q4 2021 over five years.
- On a year-over-year basis, Return on Equity [ROE] has increased in each of the last five quarters, with an average year-over-year change of +0.22 percentage points over the last eight quarters.
- The strongest year-over-year quarter for Return on Equity [ROE] in the past five years was Q4 2021, with a gain of 22.00 percentage points; the weakest was Q4 2022, with a drop of 27.51 percentage points.
- According to Business Quant data, Return on Equity [ROE] for the three prior quarters was 17.01% (Q2 2026), 16.90% (Q1 2026) and 15.62% (Q4 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | ROE (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 41.00 Bn | 29.82 Bn | - | 5.45% |
| 2 | Royalty Pharma | 39.88 Bn | 40.21 Bn | - | 11.98% |
| 3 | Orix | 36.75 Bn | 7.39 Bn | 13.83 Bn | 21.12% |
| 4 | Federal National Mortgage Association Fannie Mae | 25.40 Bn | -16,108.71 Bn | - | 13.05% |
| 5 | Royal Gold | 23.20 Bn | 22.41 Bn | 402.46 Mn | 10.92% |
| 6 | Affirm Holdings | 22.35 Bn | 15.40 Bn | - | 35.93% |
| 7 | Synchrony Financial | 22.29 Bn | -45.34 Bn | - | 19.93% |
| 8 | Annaly Capital Management | 14.69 Bn | 5.72 Bn | - | 6.91% |
| 9 | Ares Capital | 14.04 Bn | 11.79 Bn | - | - |
| 10 | Bread Financial Holdings | 3.68 Bn | -11.21 Bn | - | 15.79% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 15.79% |
| Jun 30, 2026 | 17.01% |
| Mar 31, 2026 | 16.90% |
| Dec 31, 2025 | 15.62% |
| Sep 30, 2025 | 14.56% |
| Jun 30, 2025 | 9.18% |
| Mar 31, 2025 | 9.15% |
| Dec 31, 2024 | 8.96% |
| Sep 30, 2024 | 9.93% |
| Jun 30, 2024 | 15.51% |
| Mar 31, 2024 | 13.31% |
| Dec 31, 2023 | 24.80% |
| Sep 30, 2023 | 19.29% |
| Jun 30, 2023 | 18.45% |
| Mar 31, 2023 | 18.75% |
| Dec 31, 2022 | 9.52% |
| Sep 30, 2022 | 16.00% |
| Jun 30, 2022 | 20.43% |
| Mar 31, 2022 | 33.35% |
| Dec 31, 2021 | 37.03% |
API Access
Bread Financial Holdings Return on Equity [ROE] 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-equity-%5Broe%5D&ticker=BFH&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "return-on-equity-[roe]", "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-equity-%5Broe%5D&ticker=BFH&period=max&api_key=YOUR_API_KEY");
const data = await res.json();