Bread Financial Holdings, Inc. (BFH.PA) stock
BFH.PANYSEPersonal Credit InstitutionsFiscal year ends December 31Also trades as BFH, BFH.PB
Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Oct 27, 2026Score 15/309% below fair value
$24.05−0.13 (-0.54%)
Close on Oct 30, 2026Market cap $3.97BP/E 8.1Yield 0.83%
Bread Financial free cash flow
Free cash flow is cash from operations minus capital expenditures: the cash available for dividends, buybacks, debt repayment or acquisitions.
Bread Financial's free cash flow for the twelve months ending Dec 31, 2022 was $1.78B, up 22.0% year over year. For fiscal 2022 it was $1.78B, up 22.0% from the year before. Over ten years it grew 5.7% a year on average. The highest annual figure on record is $2.56B in fiscal 2018.
Annual free cash flow
| Period | Period end | Value | Change |
|---|---|---|---|
| FY2022 | Dec 31, 2022 | $1.78B | +22.0% |
| FY2021 | Dec 31, 2021 | $1.46B | -20.2% |
| FY2020 | Dec 31, 2020 | $1.83B | +70.0% |
| FY2019 | Dec 31, 2019 | $1.08B | -57.9% |
| FY2018 | Dec 31, 2018 | $2.56B | +7.6% |
| FY2017 | Dec 31, 2017 | $2.37B | +23.6% |
| FY2016 | Dec 31, 2016 | $1.92B | +22.5% |
| FY2015 | Dec 31, 2015 | $1.57B | +32.3% |
| FY2014 | Dec 31, 2014 | $1.19B | +36.6% |
| FY2013 | Dec 31, 2013 | $868.12M | -14.7% |
| FY2012 | Dec 31, 2012 | $1.02B | +8.5% |
| FY2011 | Dec 31, 2011 | $937.85M | +12.5% |
| FY2010 | Dec 31, 2010 | $833.95M | +173.0% |
| FY2009 | Dec 31, 2009 | $305.44M | -23.9% |
| FY2008 | Dec 31, 2008 | $401.46M | – |
Quarterly free cash flow
Change is against the same quarter a year earlier.
| Period | Period end | Value | Change |
|---|---|---|---|
| Q4 FY2022 | Dec 31, 2022 | $482.00M | +55.5% |
| Q3 FY2022 | Sep 30, 2022 | $598.00M | +32.6% |
| Q2 FY2022 | Jun 30, 2022 | $223.00M | +15.5% |
| Q1 FY2022 | Mar 31, 2022 | $477.00M | -5.5% |
| Q4 FY2021 | Dec 31, 2021 | $310.00M | -18.1% |
| Q3 FY2021 | Sep 30, 2021 | $451.00M | +10.2% |
| Q2 FY2021 | Jun 30, 2021 | $193.00M | -60.2% |
| Q1 FY2021 | Mar 31, 2021 | $505.00M | -9.3% |
| Q4 FY2020 | Dec 31, 2020 | $378.30M | – |
| Q3 FY2020 | Sep 30, 2020 | $409.30M | -1.0% |
| Q2 FY2020 | Jun 30, 2020 | $484.60M | +13.9% |
| Q1 FY2020 | Mar 31, 2020 | $556.80M | -2.7% |
| Q4 FY2019 | Dec 31, 2019 | -$335.00M | -149.3% |
| Q3 FY2019 | Sep 30, 2019 | $413.50M | -36.7% |
| Q2 FY2019 | Jun 30, 2019 | $425.40M | -31.2% |
| Q1 FY2019 | Mar 31, 2019 | $572.10M | -5.5% |
| Q4 FY2018 | Dec 31, 2018 | $679.00M | -14.2% |
| Q3 FY2018 | Sep 30, 2018 | $652.80M | -3.5% |
| Q2 FY2018 | Jun 30, 2018 | $618.10M | -14.6% |
| Q1 FY2018 | Mar 31, 2018 | $605.20M | +10.2% |
| Q4 FY2017 | Dec 31, 2017 | $791.50M | +87.5% |
| Q3 FY2017 | Sep 30, 2017 | $676.40M | – |
| Q4 FY2016 | Dec 31, 2016 | $723.70M | – |
| Q3 FY2016 | Sep 30, 2016 | $549.20M | – |
| Q2 FY2016 | Jun 30, 2016 | $422.10M | – |