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Bread Financial Holdings BFH Debt-to-equity

Debt-to-equity at other companies

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Other financials

Income statement

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Revenue$1.0B+4.9%
Gross profit$361.8M—
Operating income$382.8M—
Net income$181.0M+31.2%
EPS (diluted)$4.15+49.3%

Balance sheet

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Cash & equivalents$4.0B-6.6%
Total debt$85.0M-98.5%
Total equity$3.3B+8.4%
Total assets$22.3B-0.3%

Cash flow

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Operating cash flow$487.0M+23.9%
CapEx$15.0M-40.0%
Free cash flow$482.0M+55.5%

Valuation

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Market cap$4.14B+31.3%
P/E7.4×-3.9×
P/S1.1×+0.2×

Profitability

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Gross margin52%—
Operating margin45.9%—
Net margin14.4%+7.1pp
FCF margin46.5%+1.9pp

Returns & leverage

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Return on equity17.6%+8.4pp
Current ratio1.5×—

Where this comes from

Calculated from Bread Financial Holdings’s reported figures.

total debt/total stockholders equity=0×

Based on the most recent quarter.

The official record: Bread Financial Holdings’s 10-Q, filed April 28, 2026, on SEC EDGAR. View the filing →

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Questions, answered.

What is Bread Financial Holdings's debt-to-equity?
Bread Financial Holdings (BFH) reported debt-to-equity of 0× in Q4 2025.
How has Bread Financial Holdings's debt-to-equity changed year-over-year?
Bread Financial Holdings's debt-to-equity decreased by 98.6% year-over-year, from 1.9× to 0×.
What is the long-term trend for Bread Financial Holdings's debt-to-equity?
Over 5 years (2020 to 2025), Bread Financial Holdings's debt-to-equity has grown at a -25.8% compound annual growth rate (CAGR), from 0.1× to 0×.
What does debt-to-equity mean?
Total debt (including capitalized leases and financing obligations) divided by shareholders' equity at the quarter end. Measures how much the company is financed by debt relative to equity.