Bread Financial Holdings annual return on equity
2009
2010
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
Bread Financial Holdings Return on Equity (ROE) Growth & History (BFH)
Bread Financial Holdings's return on equity was 16.24% for fiscal 2025.
View full Bread Financial Holdings company overviewBread Financial Holdings annual return on equity history
| Fiscal year | Period ended | Return on equity | Change (percentage points) |
|---|---|---|---|
| 2025 | 2025-12-31 | 16.24% | +6.96 pp |
| 2024 | 2024-12-31 | 9.28% | −18.42 pp |
| 2023 | 2023-12-31 | 27.71% | +17.46 pp |
| 2022 | 2022-12-31 | 10.25% | −34.15 pp |
| 2021 | 2021-12-31 | 44.40% | +30.64 pp |
| 2020 | 2020-12-31 | 13.76% | −0.42 pp |
| 2019 | 2019-12-31 | 14.18% | −31.82 pp |
| 2018 | 2018-12-31 | 46.00% | +1.11 pp |
| 2017 | 2017-12-31 | 44.90% | +16.67 pp |
| 2016 | 2016-12-31 | 28.22% | +0.74 pp |
| 2015 | 2015-12-31 | 27.48% | −4.26 pp |
| 2014 | 2014-12-31 | 31.74% | −39.95 pp |
| 2013 | 2013-12-31 | 71.69% | −48.20 pp |
| 2012 | 2012-12-31 | 119.88% | — |
| 2010 | 2010-12-31 | 130.96% | +95.91 pp |
| 2009 | 2009-12-31 | 35.05% | — |
Bread Financial Holdings quarterly return on equity
Q2.10
Q3.10
Q4.10
Q1.11
Q2.11
Q3.11
Q1.13
Q2.13
Q3.13
Q4.13
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
Q2.20
Q4.20
Q3.21
Q4.21
Q2.22
Q3.22
Q4.22
Q1.23
Q2.23
Q3.23
Q4.23
Q1.24
Q2.24
Q3.24
Q4.24
Q1.25
Q2.25
Q3.25
Q4.25
Q1.26
Q2.26
| Fiscal quarter | Period ended | Return on equity | Change (percentage points) |
|---|---|---|---|
| Q2 2026 | 2026-06-30 | 4.36% | −0.09 pp |
| Q1 2026 | 2026-03-31 | 5.44% | +0.93 pp |
| Q4 2025 | 2025-12-31 | 1.60% | +1.34 pp |
| Q3 2025 | 2025-09-30 | 5.80% | +5.74 pp |
| Q2 2025 | 2025-06-30 | 4.46% | +0.17 pp |
| Q1 2025 | 2025-03-31 | 4.51% | +0.01 pp |
| Q4 2024 | 2024-12-31 | 0.26% | −1.26 pp |
| Q3 2024 | 2024-09-30 | 0.06% | −6.04 pp |
| Q2 2024 | 2024-06-30 | 4.29% | +2.53 pp |
| Q1 2024 | 2024-03-31 | 4.50% | −13.77 pp |
| Q4 2023 | 2023-12-31 | 1.52% | +7.23 pp |
| Q3 2023 | 2023-09-30 | 6.11% | +0.37 pp |
| Q2 2023 | 2023-06-30 | 1.76% | +1.21 pp |
| Q1 2023 | 2023-03-31 | 18.27% | — |
| Q4 2022 | 2022-12-31 | −5.70% | −6.49 pp |
| Q3 2022 | 2022-09-30 | 5.73% | −6.16 pp |
| Q2 2022 | 2022-06-30 | 0.55% | — |
| Q4 2021 | 2021-12-31 | 0.78% | −0.11 pp |
| Q3 2021 | 2021-09-30 | 11.89% | — |
| Q4 2020 | 2020-12-31 | 0.90% | −4.08 pp |
| Q2 2020 | 2020-06-30 | 2.80% | — |
| Q4 2019 | 2019-12-31 | 4.97% | −8.63 pp |
| Q4 2018 | 2018-12-31 | 13.61% | −1.84 pp |
| Q4 2017 | 2017-12-31 | 15.45% | +14.84 pp |
| Q4 2016 | 2016-12-31 | 0.61% | −8.49 pp |
| Q3 2016 | 2016-09-30 | 11.81% | +5.14 pp |
| Q2 2016 | 2016-06-30 | 8.11% | +1.39 pp |
| Q1 2016 | 2016-03-31 | 8.47% | +0.82 pp |
| Q4 2015 | 2015-12-31 | 9.10% | +4.71 pp |
| Q3 2015 | 2015-09-30 | 6.68% | −9.59 pp |
| Q2 2015 | 2015-06-30 | 6.72% | −7.96 pp |
| Q1 2015 | 2015-03-31 | 7.66% | −7.38 pp |
| Q4 2014 | 2014-12-31 | 4.39% | −10.66 pp |
| Q3 2014 | 2014-09-30 | 16.27% | −4.30 pp |
| Q2 2014 | 2014-06-30 | 14.67% | −4.97 pp |
| Q1 2014 | 2014-03-31 | 15.04% | −7.73 pp |
| Q4 2013 | 2013-12-31 | 15.04% | — |
| Q3 2013 | 2013-09-30 | 20.57% | — |
| Q2 2013 | 2013-06-30 | 19.65% | — |
| Q1 2013 | 2013-03-31 | 22.77% | — |
| Q3 2011 | 2011-09-30 | 80.62% | −51.11 pp |
| Q2 2011 | 2011-06-30 | 99.94% | +69.17 pp |
| Q1 2011 | 2011-03-31 | 233.17% | — |
| Q4 2010 | 2010-12-31 | 135.65% | — |
| Q3 2010 | 2010-09-30 | 131.73% | — |
| Q2 2010 | 2010-06-30 | 30.77% | — |
Bread Financial Holdings return on equity trends
Over the last five fiscal years, Bread Financial Holdings's return on equity increased from 13.76% to 16.24%, a change of +2.49 percentage points. The latest reported quarter, Q2 2026, shows 4.36%.
About the metric
What return on equity (ROE) means
Return on equity (ROE) measures how much net income a company generates relative to shareholders’ equity. It can help evaluate how efficiently equity capital is used, but unusually high or negative values may reflect leverage, losses, or a small equity base.
Calculation and source
How return on equity is calculated
TickerStat calculates ROE as SEC-reported net income divided by average stockholders’ equity at the beginning and end of the fiscal period. Periods with missing or non-positive average equity are omitted. Quarterly ROE uses quarterly net income and is not annualized. Fiscal periods can differ from calendar years, so exact period-end dates are included.
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