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Bread Financial Holdings BFH Invested capital

Discontinued — last reported Q4 '25

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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$4.24B+31.3%

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
Debt / equity0×-1.8×
Current ratio1.5×—

Where this comes from

Calculated from Bread Financial Holdings’s reported figures.

$85.0Mtotal debt+$3.3Btotal stockholders equity−$3.6Bcash and equivalents=-$216M

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 invested capital?
Bread Financial Holdings (BFH) reported invested capital of -$216M in Q4 2025.
How has Bread Financial Holdings's invested capital changed year-over-year?
Bread Financial Holdings's invested capital decreased by 104.3% year-over-year, from $5.02B to -$216M.
What is the long-term trend for Bread Financial Holdings's invested capital?
Over 5 years (2020 to 2025), Bread Financial Holdings's invested capital has grown at a -27.8% compound annual growth rate (CAGR), from -$1.1B to -$216M.
What does invested capital mean?
Total debt plus shareholders' equity minus cash, at the quarter end. The capital actually put to work in the operating business — the denominator of return on invested capital (ROIC).