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 $4.06BP/E 8.2Yield 0.81%
Bread Financial operating cash flow
Operating cash flow is the cash the business generates from its day-to-day operations.
Bread Financial's operating cash flow for the twelve months ending Jun 30, 2026 was $2.19B, up 18.3% year over year. For fiscal 2025 it was $2.09B, up 12.5% from the year before. Over ten years it grew 1.7% a year on average. The highest annual figure on record is $2.75B in fiscal 2018.
Annual operating cash flow
| Period | Period end | Value | Change |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $2.09B | +12.5% |
| FY2024 | Dec 31, 2024 | $1.86B | -6.4% |
| FY2023 | Dec 31, 2023 | $1.99B | +7.5% |
| FY2022 | Dec 31, 2022 | $1.85B | +19.8% |
| FY2021 | Dec 31, 2021 | $1.54B | -18.1% |
| FY2020 | Dec 31, 2020 | $1.88B | +54.6% |
| FY2019 | Dec 31, 2019 | $1.22B | -55.8% |
| FY2018 | Dec 31, 2018 | $2.75B | +6.0% |
| FY2017 | Dec 31, 2017 | $2.60B | +22.2% |
| FY2016 | Dec 31, 2016 | $2.13B | +20.9% |
| FY2015 | Dec 31, 2015 | $1.76B | +30.9% |
| FY2014 | Dec 31, 2014 | $1.34B | +34.0% |
| FY2013 | Dec 31, 2013 | $1.00B | -11.5% |
| FY2012 | Dec 31, 2012 | $1.13B | +12.1% |
| FY2011 | Dec 31, 2011 | $1.01B | +12.0% |
| FY2010 | Dec 31, 2010 | $902.71M | +151.9% |
| FY2009 | Dec 31, 2009 | $358.41M | -20.5% |
| FY2008 | Dec 31, 2008 | $451.02M | – |
Quarterly operating cash flow
Change is against the same quarter a year earlier.
| Period | Period end | Value | Change |
|---|---|---|---|
| Q2 FY2026 | Jun 30, 2026 | $533.00M | +1.3% |
| Q1 FY2026 | Mar 31, 2026 | $487.00M | +23.9% |
| Q4 FY2025 | Dec 31, 2025 | $568.00M | +18.6% |
| Q3 FY2025 | Sep 30, 2025 | $605.00M | +32.7% |
| Q2 FY2025 | Jun 30, 2025 | $526.00M | +10.3% |
| Q1 FY2025 | Mar 31, 2025 | $393.00M | -12.1% |
| Q4 FY2024 | Dec 31, 2024 | $479.00M | -22.4% |
| Q3 FY2024 | Sep 30, 2024 | $456.00M | -27.5% |
| Q2 FY2024 | Jun 30, 2024 | $477.00M | +39.1% |
| Q1 FY2024 | Mar 31, 2024 | $447.00M | +12.3% |
| Q4 FY2023 | Dec 31, 2023 | $617.00M | +24.1% |
| Q3 FY2023 | Sep 30, 2023 | $629.00M | +3.5% |
| Q2 FY2023 | Jun 30, 2023 | $343.00M | +39.4% |
| Q1 FY2023 | Mar 31, 2023 | $398.00M | -19.9% |
| Q4 FY2022 | Dec 31, 2022 | $497.00M | +48.4% |
| Q3 FY2022 | Sep 30, 2022 | $608.00M | +28.0% |
| Q2 FY2022 | Jun 30, 2022 | $246.00M | +13.9% |
| Q1 FY2022 | Mar 31, 2022 | $497.00M | -3.9% |
| Q4 FY2021 | Dec 31, 2021 | $335.00M | -15.1% |
| Q3 FY2021 | Sep 30, 2021 | $475.00M | +12.8% |
| Q2 FY2021 | Jun 30, 2021 | $216.00M | -56.4% |
| Q1 FY2021 | Mar 31, 2021 | $517.00M | -9.7% |
| Q4 FY2020 | Dec 31, 2020 | $394.40M | – |
| Q3 FY2020 | Sep 30, 2020 | $421.10M | -4.4% |
| Q2 FY2020 | Jun 30, 2020 | $495.00M | +3.4% |
| Q1 FY2020 | Mar 31, 2020 | $572.50M | -6.3% |
| Q4 FY2019 | Dec 31, 2019 | -$312.20M | -142.8% |
| Q3 FY2019 | Sep 30, 2019 | $440.50M | -37.4% |
| Q2 FY2019 | Jun 30, 2019 | $478.90M | -28.7% |
| Q1 FY2019 | Mar 31, 2019 | $610.80M | -6.0% |
| Q4 FY2018 | Dec 31, 2018 | $729.50M | -13.2% |
| Q3 FY2018 | Sep 30, 2018 | $703.60M | -4.4% |
| Q2 FY2018 | Jun 30, 2018 | $671.90M | -13.0% |
| Q1 FY2018 | Mar 31, 2018 | $649.90M | +8.3% |
| Q4 FY2017 | Dec 31, 2017 | $840.30M | +77.0% |
| Q3 FY2017 | Sep 30, 2017 | $736.20M | – |
| Q4 FY2016 | Dec 31, 2016 | $772.40M | – |
| Q3 FY2016 | Sep 30, 2016 | $599.90M | – |
| Q2 FY2016 | Jun 30, 2016 | $474.80M | – |