Bread Financial Holdings annual debt-to-equity ratio
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2025
Bread Financial Holdings Debt-to-Equity Ratio Growth & History (BFH)
Bread Financial Holdings's debt-to-equity ratio was 1.32 for fiscal 2025.
View full Bread Financial Holdings company overviewBread Financial Holdings annual debt-to-equity ratio history
| Fiscal year | Period ended | Debt-to-equity ratio | Change | Growth |
|---|---|---|---|---|
| 2025 | 2025-12-31 | 1.32 | −0.54 | −29.14% |
| 2024 | 2024-12-31 | 1.86 | −0.00 | −0.05% |
| 2023 | 2023-12-31 | 1.86 | −1.73 | −48.08% |
| 2022 | 2022-12-31 | 3.59 | −0.04 | −1.17% |
| 2021 | 2021-12-31 | 3.63 | 1.68 | +85.71% |
| 2020 | 2020-12-31 | 1.96 | −0.03 | −1.75% |
| 2019 · Dec 31 | 2019-12-31 | 1.99 | −0.40 | −16.88% |
| 2018 · Dec 31 | 2018-12-31 | 2.40 | −0.81 | −25.28% |
| 2017 · Dec 31 | 2017-12-31 | 3.21 | 0.32 | +11.06% |
| 2016 · Dec 31 | 2016-12-31 | 2.89 | 0.57 | +24.84% |
| 2015 | 2015-12-31 | 2.31 | 0.64 | +38.50% |
| 2014 | 2014-12-31 | 1.67 | −1.18 | −41.34% |
| 2013 | 2013-12-31 | 2.85 | −1.04 | −26.68% |
| 2012 | 2012-12-31 | 3.88 | −8.41 | −68.43% |
| 2011 | 2011-12-31 | 12.30 | −57.60 | −82.41% |
| 2010 | 2010-12-31 | 69.89 | 63.55 | +1001.77% |
| 2009 | 2009-12-31 | 6.34 | — | — |
Bread Financial Holdings quarterly debt-to-equity ratio
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Q2.10
Q3.10
Q4.10
Q1.11
Q2.11
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Q4.11
Q1.12
Q2.12
Q3.12
Q4.12
Q1.13
Q2.13
Q3.13
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Q1.14
Q2.14
Q3.14
Q4.14
Q1.15
Q2.15
Q3.15
Q4.15
Q1.16
Q2.16
Q3.16
Q4.16
Q4.17
Q4.18
Q4.19
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Q4.20
Q3.21
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Q4.22
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Q3.24
Q4.24
Q1.25
Q2.25
Q3.25
Q4.25
Q1.26
Q2.26
| Fiscal quarter | Period ended | Debt-to-equity ratio | Change | YoY change |
|---|---|---|---|---|
| Q2 2026 | 2026-06-30 | 0.98 | −0.36 | −26.61% |
| Q1 2026 | 2026-03-31 | 1.19 | −0.48 | −28.99% |
| Q4 2025 | 2025-12-31 | 1.32 | −0.54 | −29.14% |
| Q3 2025 | 2025-09-30 | 1.14 | −0.33 | −22.49% |
| Q2 2025 | 2025-06-30 | 1.34 | — | — |
| Q1 2025 | 2025-03-31 | 1.67 | — | — |
| Q4 2024 | 2024-12-31 | 1.86 | −0.00 | −0.05% |
| Q3 2024 | 2024-09-30 | 1.47 | −0.00 | −0.10% |
| Q4 2023 | 2023-12-31 | 1.86 | −1.73 | −48.08% |
| Q3 2023 | 2023-09-30 | 1.47 | — | — |
| Q2 2023 | 2023-06-30 | 1.72 | — | — |
| Q4 2022 | 2022-12-31 | 3.59 | −0.04 | −1.17% |
| Q4 2021 | 2021-12-31 | 3.63 | 1.68 | +85.71% |
| Q3 2021 | 2021-09-30 | 0.12 | — | — |
| Q4 2020 | 2020-12-31 | 1.96 | −0.03 | −1.75% |
| Q2 2020 | 2020-06-30 | 0.26 | — | — |
| Q4 2019 | 2019-12-31 | 1.99 | −0.40 | −16.88% |
| Q4 2018 | 2018-12-31 | 2.40 | −0.81 | −25.28% |
| Q4 2017 | 2017-12-31 | 3.21 | 0.32 | +11.06% |
| Q4 2016 | 2016-12-31 | 2.89 | 0.57 | +24.84% |
| Q3 2016 | 2016-09-30 | 3.03 | 0.61 | +25.29% |
| Q2 2016 | 2016-06-30 | 3.17 | 0.80 | +33.65% |
| Q1 2016 | 2016-03-31 | 2.96 | 0.51 | +21.03% |
| Q4 2015 | 2015-12-31 | 2.31 | 0.64 | +38.50% |
| Q3 2015 | 2015-09-30 | 2.42 | −0.25 | −9.22% |
| Q2 2015 | 2015-06-30 | 2.37 | −0.68 | −22.37% |
| Q1 2015 | 2015-03-31 | 2.44 | −0.27 | −9.84% |
| Q4 2014 | 2014-12-31 | 1.67 | −1.18 | −41.34% |
| Q3 2014 | 2014-09-30 | 2.66 | −0.61 | −18.60% |
| Q2 2014 | 2014-06-30 | 3.06 | 0.09 | +2.96% |
| Q1 2014 | 2014-03-31 | 2.71 | −0.68 | −19.94% |
| Q4 2013 | 2013-12-31 | 2.85 | −1.04 | −26.68% |
| Q3 2013 | 2013-09-30 | 3.27 | −0.10 | −2.97% |
| Q2 2013 | 2013-06-30 | 2.97 | −3.69 | −55.44% |
| Q1 2013 | 2013-03-31 | 3.39 | −4.81 | −58.68% |
| Q4 2012 | 2012-12-31 | 3.88 | −8.41 | −68.43% |
| Q3 2012 | 2012-09-30 | 3.37 | −11.93 | −77.96% |
| Q2 2012 | 2012-06-30 | 6.66 | −20.21 | −75.21% |
| Q1 2012 | 2012-03-31 | 8.19 | −10.14 | −55.30% |
| Q4 2011 | 2011-12-31 | 12.30 | −57.60 | −82.41% |
| Q3 2011 | 2011-09-30 | 15.30 | −21.12 | −57.98% |
| Q2 2011 | 2011-06-30 | 26.88 | −17.51 | −39.46% |
| Q1 2011 | 2011-03-31 | 18.33 | — | — |
| Q4 2010 | 2010-12-31 | 69.89 | 63.55 | +1001.77% |
| Q3 2010 | 2010-09-30 | 36.42 | — | — |
| Q2 2010 | 2010-06-30 | 44.39 | — | — |
| Q4 2009 | 2009-12-31 | 6.34 | — | — |
Bread Financial Holdings debt-to-equity ratio trends
Over the last five fiscal years, Bread Financial Holdings's debt-to-equity ratio decreased from 1.96 to 1.32, a change of −0.64. The latest reported quarter, Q2 2026, shows 0.98.
About the metric
What the debt-to-equity ratio means
The debt-to-equity ratio compares interest-bearing debt with shareholders’ equity. It helps show how much debt financing a company uses relative to its accounting equity, but useful comparison levels vary by industry.
Calculation and source
How debt-to-equity is calculated
TickerStat calculates debt-to-equity as total interest-bearing debt divided by SEC-reported shareholders’ equity for the same balance-sheet date. Total liabilities are not treated as debt, and periods with non-positive equity are omitted. Fiscal periods can differ from calendar years, so exact period-end dates are included.
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