Bread Financial Holdings (BFH) Tax Rate (2009 - 2026)
Bread Financial Holdings (BFH) reported Tax Rate of 25.36% for Q3 2026, up 21.28 percentage points from 4.08% a year earlier but down 0.53 percentage points from the prior quarter.
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Analysis
Bread Financial Holdings (BFH) Tax Rate (2009 - 2026) Analysis & Trends
Over the twelve months ended Sep 30, 2026, Bread Financial Holdings' Tax Rate came in at 22.99%, up 11.14 percentage points year-over-year; for FY2025, it came in at 15.28%, down 11.49 percentage points from FY2024.
- Tax Rate has a five-year change of -15.61 percentage points (FY2020 to FY2025).
- By year, Tax Rate came in at 26.77% in FY2024 (+2.91 pp), 23.86% in FY2023 (-1.47 pp), 25.33% in FY2022 (+1.67 pp) and 23.66% in FY2021 (-7.24 pp).
- Five-year quarterly Tax Rate spans a low of 4.08% in Q3 2025 and a high of 92.50% in Q3 2024.
- Year over year, Tax Rate gained in two of the last six quarters, with an average year-over-year change of -11.67 percentage points.
- The high point for year-over-year Tax Rate in five years was Q3 2024 (a gain of 69.39 percentage points); the low point was Q3 2025 (a drop of 88.42 percentage points).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Tax Rate (Qtr) |
|---|---|---|---|---|---|
| 1 | Rocket Companies | 41.00 Bn | 29.82 Bn | - | 25.99% |
| 2 | Royalty Pharma | 39.88 Bn | 40.21 Bn | - | - |
| 3 | Orix | 36.75 Bn | 7.39 Bn | 13.83 Bn | 30.92% |
| 4 | Federal National Mortgage Association Fannie Mae | 25.40 Bn | -16,108.71 Bn | - | 18.29% |
| 5 | Royal Gold | 23.20 Bn | 22.41 Bn | 402.46 Mn | 20.17% |
| 6 | Affirm Holdings | 22.35 Bn | 15.40 Bn | - | 19.95% |
| 7 | Synchrony Financial | 22.29 Bn | -45.34 Bn | - | 24.47% |
| 8 | Annaly Capital Management | 14.69 Bn | 5.72 Bn | - | - |
| 9 | Ares Capital | 14.04 Bn | 11.79 Bn | - | - |
| 10 | Bread Financial Holdings | 3.68 Bn | -11.21 Bn | - | 25.36% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Sep 30, 2026 | 25.36% |
| Jun 30, 2026 | 25.89% |
| Mar 31, 2026 | 25.51% |
| Sep 30, 2025 | 4.08% |
| Jun 30, 2025 | 20.11% |
| Mar 31, 2025 | 27.92% |
| Sep 30, 2024 | 92.50% |
| Jun 30, 2024 | 26.11% |
| Mar 31, 2024 | 28.19% |
| Sep 30, 2023 | 23.11% |
| Jun 30, 2023 | 25.58% |
| Mar 31, 2023 | 28.68% |
| Sep 30, 2022 | 29.10% |
| Jun 30, 2022 | 25.00% |
| Mar 31, 2022 | 30.13% |
| Dec 31, 2021 | 6.25% |
| Sep 30, 2021 | 20.46% |
| Jun 30, 2021 | 25.71% |
| Mar 31, 2021 | 26.98% |
| Dec 31, 2020 | 36.18% |
API Access
Bread Financial Holdings Tax Rate 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=tax-rate&ticker=BFH&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "tax-rate", "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=tax-rate&ticker=BFH&period=max&api_key=YOUR_API_KEY");
const data = await res.json();