Bread Financial Holdings (BFH) Return on Invested Capital [ROIC] (2011 - 2026)
Bread Financial Holdings (BFH) reported Return on Invested Capital [ROIC] of 20.21% for Q2 2026, up 5.24 percentage points from 14.97% a year earlier and up 1.00 percentage points from the prior quarter.
Bread Financial Holdings (BFH) Return on Invested Capital [ROIC] (2011 - 2026) Analysis & Trends
For FY2025, Bread Financial Holdings posted Return on Invested Capital [ROIC] of 17.33%, up 3.72 percentage points from FY2024.
- Return on Invested Capital [ROIC] has a five-year change of +6.91 percentage points (FY2020 to FY2025).
- By year, Return on Invested Capital [ROIC] came in at 13.62% in FY2024 (-4.89 pp), 18.51% in FY2023 (+10.98 pp), 7.53% in FY2022 (-7.12 pp) and 14.65% in FY2021 (+4.22 pp).
- Five-year quarterly Return on Invested Capital [ROIC] spans a low of 8.08% in Q4 2022 and a high of 22.44% in Q4 2023.
- Year over year, Return on Invested Capital [ROIC] has now increased in each of the last four quarters, with an average year-over-year change of +0.06 percentage points over the last eight quarters.
- The high point for year-over-year Return on Invested Capital [ROIC] in five years was Q4 2023 (a gain of 14.37 percentage points); the low point was Q4 2024 (a drop of 8.72 percentage points).
- Per Business Quant data, the three quarters before Q2 2026 came in at 19.21% (Q1 2026), 19.58% (Q4 2025) and 20.52% (Q3 2025).
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | ROIC (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 44.05 Bn | 29.73 Bn | - | 2.43% |
| 2 | Orix | 40.96 Bn | 10.18 Bn | 12.74 Bn | 2.96% |
| 3 | Royalty Pharma | 36.72 Bn | 36.63 Bn | - | - |
| 4 | Affirm Holdings | 23.63 Bn | 17.32 Bn | - | 5.55% |
| 5 | Federal National Mortgage Association Fannie Mae | 23.47 Bn | 23.47 Bn | - | 2.81% |
| 6 | Synchrony Financial | 22.90 Bn | -44.72 Bn | - | 25.70% |
| 7 | Royal Gold | 19.26 Bn | 18.48 Bn | 390.45 Mn | 9.67% |
| 8 | Annaly Capital Management | 13.77 Bn | 4.86 Bn | - | 16.56% |
| 9 | Ares Capital | 13.38 Bn | 10.82 Bn | - | - |
| 10 | Bread Financial Holdings | 3.87 Bn | -10.82 Bn | - | 20.21% |
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | 20.21% |
| Mar 31, 2026 | 19.21% |
| Dec 31, 2025 | 19.58% |
| Sep 30, 2025 | 20.52% |
| Jun 30, 2025 | 14.97% |
| Mar 31, 2025 | 13.36% |
| Dec 31, 2024 | 13.72% |
| Sep 30, 2024 | 15.51% |
| Jun 30, 2024 | 18.99% |
| Mar 31, 2024 | 17.39% |
| Dec 31, 2023 | 22.44% |
| Sep 30, 2023 | 20.19% |
| Jun 30, 2023 | 18.18% |
| Mar 31, 2023 | 13.30% |
| Dec 31, 2022 | 8.08% |
| Sep 30, 2022 | 9.91% |
| Jun 30, 2022 | 10.51% |
| Mar 31, 2022 | 7.58% |
| Mar 31, 2019 | 17.18% |
| Dec 31, 2018 | 16.93% |
Bread Financial Holdings Return on Invested Capital [ROIC] 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-invested-capital-%5Broic%5D&ticker=BFH&period=max&api_key=YOUR_API_KEY
import requests
url = "https://data.businessquant.com/historic"
params = {"slug": "return-on-invested-capital-[roic]", "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-invested-capital-%5Broic%5D&ticker=BFH&period=max&api_key=YOUR_API_KEY");
const data = await res.json();