Total Debt
$3.29B
Net Debt
-$398M
Bread Financial Holdings, Inc. currently has $3.29B in total debt. Net debt is -$398M after cash offsets. This 'Net Cash' position indicates exceptional financial strength.
Financial Fundamentals
BFH • Quarterly Data • 5Y View
| Date | Total Debt ($B) | Cash & Inv. ($B) | Net Debt ($B) | Total Assets | Debt/Assets |
|---|---|---|---|---|---|
| 2026-06-30 | 3.29 | 3.68 | -0.40Net Cash | 22.45 | 14.6% |
| 2026-03-31 | 3.94 | 3.64 | 0.30 | 22.31 | 17.7% |
| 2025-12-31 | 4.39 | 3.77 | 0.62 | 22.66 | 19.4% |
| 2025-09-30 | 3.79 | 3.94 | -0.15Net Cash | 21.71 | 17.4% |
| 2025-06-30 | 4.23 | 3.98 | 0.25 | 21.82 | 19.4% |
| 2025-03-31 | 5.12 | 4.38 | 0.74 | 22.38 | 22.9% |
| 2024-12-31 | 5.68 | 3.85 | 1.84 | 22.89 | 24.8% |
| 2024-09-30 | 4.58 | 3.63 | 0.95 | 21.74 | 21.1% |
| 2024-06-30 | 4.75 | 4.23 | 0.52 | 22.14 | 21.5% |
| 2024-03-31 | 4.65 | 3.96 | 0.69 | 22.30 | 20.9% |
| 2023-12-31 | 5.44 | 3.76 | 1.68 | 23.14 | 23.5% |
| 2023-09-30 | 4.22 | 3.41 | 0.82 | 21.61 | 19.5% |
| 2023-06-30 | 4.70 | 3.36 | 1.33 | 21.61 | 21.7% |
| 2023-03-31 | 4.88 | 3.65 | 1.23 | 21.97 | 22.2% |
| 2022-12-31 | 8.13 | 3.99 | 4.15 | 25.41 | 32.0% |
| 2022-09-30 | 5.93 | 3.69 | 2.24 | 21.96 | 27.0% |
| 2022-06-30 | 7.44 | 3.24 | 4.20 | 21.81 | 34.1% |
| 2022-03-31 | 6.78 | 3.16 | 3.62 | 20.94 | 32.4% |
| 2021-12-31 | 7.58 | 3.22 | 4.36 | 21.75 | 34.9% |
| 2021-09-30 | 7.59 | 3.17 | 4.42 | 22.26 | 34.1% |
| 2021-06-30 | 7.64 | 3.00 | 4.64 | 21.81 | 35.0% |
| 2021-03-31 | 6.91 | 2.86 | 4.06 | 21.16 | 32.7% |
| 2020-12-31 | 8.70 | 2.80 | 5.90 | 22.55 | 38.6% |
| 2020-09-30 | 7.45 | 3.08 | 4.37 | 21.11 | 35.3% |
| 2020-06-30 | 8.51 | 4.96 | 3.55 | 22.87 | 37.2% |
| 2020-03-31 | 9.74 | 4.46 | 5.28 | 24.23 | 40.2% |
| 2019-12-31 | 10.45 | 3.87 | 6.57 | 26.49 | 39.4% |
| 2019-09-30 | 10.05 | 4.51 | 5.53 | 27.16 | 37.0% |
| 2019-06-30 | 12.87 | 4.03 | 8.84 | 30.74 | 41.9% |
| 2019-03-31 | 12.98 | 3.69 | 9.29 | 29.43 | 44.1% |
| 2018-12-31 | 13.38 | 3.82 | 9.56 | 30.39 | 44.0% |
| 2018-09-30 | 13.28 | 3.60 | 9.68 | 29.76 | 44.6% |
| 2018-06-30 | 13.56 | 3.45 | 10.11 | 28.95 | 46.9% |
| 2018-03-31 | 14.21 | 3.55 | 10.66 | 29.39 | 48.3% |
| 2017-12-31 | 14.89 | 4.19 | 10.70 | 30.68 | 48.5% |
| 2017-09-30 | 13.11 | 3.33 | 9.78 | 27.89 | 47.0% |
| 2017-06-30 | 12.98 | 1.95 | 11.04 | 25.73 | 50.5% |
| 2017-03-31 | 12.47 | 1.87 | 10.60 | 24.64 | 50.6% |
| 2016-12-31 | 12.56 | 1.86 | 10.70 | 25.51 | 49.2% |
| 2016-09-30 | 11.73 | 1.50 | 10.22 | 23.64 | 49.6% |
| 2016-06-30 | 11.72 | 1.32 | 10.40 | 22.77 | 51.5% |
| 2016-03-31 | 11.85 | 0.97 | 10.88 | 22.40 | 52.9% |
| 2015-12-31 | 11.50 | 1.17 | 10.33 | 22.35 | 51.5% |
| 2015-09-30 | 10.07 | 0.98 | 9.10 | 20.30 | 49.6% |
| 2015-06-30 | 10.07 | 0.82 | 9.25 | 19.55 | 51.5% |
| 2015-03-31 | 9.66 | 0.76 | 8.90 | 19.05 | 50.7% |
| 2014-12-31 | 9.40 | 1.08 | 8.32 | 20.26 | 46.4% |
| 2014-09-30 | 7.41 | 0.63 | 6.77 | 15.19 | 48.8% |
| 2014-06-30 | 7.27 | 0.63 | 6.64 | 14.21 | 51.2% |
| 2014-03-31 | 7.13 | 0.71 | 6.43 | 13.76 | 51.8% |
| 2013-12-31 | 7.39 | 0.97 | 6.42 | 13.24 | 55.8% |
| 2013-09-30 | 6.67 | 0.78 | 5.88 | 11.96 | 55.7% |
| 2013-06-30 | 2.86 | 0.75 | 2.11 | 11.87 | 24.1% |
| 2013-03-31 | 2.87 | 0.76 | 2.11 | 11.93 | 24.1% |
| 2012-12-31 | 6.99 | 0.89 | 6.09 | 12.00 | 58.2% |
| 2012-09-30 | 5.96 | 0.77 | 5.19 | 10.41 | 57.2% |
| 2012-06-30 | 5.87 | 0.64 | 5.22 | 9.83 | 59.7% |
| 2012-03-31 | 5.34 | 0.40 | 4.94 | 8.90 | 60.0% |
| 2011-12-31 | 2.18 | 0.22 | 1.97 | 8.98 | 24.3% |
| 2011-09-30 | 5.34 | 0.24 | 5.10 | 8.77 | 60.9% |
| 2011-06-30 | 5.67 | 0.23 | 5.44 | 8.55 | 66.3% |
| 2011-03-31 | 5.31 | 0.30 | 5.01 | 8.03 | 66.1% |
| 2010-12-31 | 1.87 | 0.14 | 1.73 | 8.27 | 22.6% |
| 2010-09-30 | 5.29 | 0.39 | 4.90 | 8.13 | 65.1% |
| 2010-06-30 | 5.59 | 0.25 | 5.34 | 8.05 | 69.5% |
| 2010-03-31 | 5.55 | 0.22 | 5.33 | 7.92 | 70.1% |
| 2009-12-31 | 1.78 | 0.21 | 1.57 | 5.23 | 34.1% |
| 2009-09-30 | 1.81 | 0.45 | 1.36 | 4.90 | 37.0% |
| 2009-06-30 | 1.73 | 0.12 | 1.61 | 4.37 | 39.7% |
| 2009-03-31 | 1.63 | 0.32 | 1.31 | 4.50 | 36.2% |
| 2008-12-31 | 1.49 | 0.16 | 1.33 | 4.34 | 34.3% |
| 2008-09-30 | 1.66 | 0.38 | 1.29 | 4.19 | 39.7% |
| 2008-06-30 | 1.20 | 0.21 | 1.00 | 4.13 | 29.2% |
| 2008-03-31 | 1.03 | 0.24 | 0.79 | 3.93 | 26.1% |
| 2007-12-31 | 0.96 | 0.22 | 0.74 | 4.16 | 23.0% |
| 2007-09-30 | 1.00 | 0.22 | 0.79 | 4.02 | 25.0% |
| 2007-06-30 | 1.34 | 0.14 | 1.20 | 3.78 | 35.5% |
| 2007-03-31 | 1.41 | 0.15 | 1.25 | 3.64 | 38.7% |
| 2006-12-31 | 0.75 | 0.18 | 0.57 | 3.40 | 21.9% |
| 2006-09-30 | 0.77 | 0.14 | 0.62 | 3.02 | 25.4% |
| 2006-06-30 | 0.75 | 0.15 | 0.60 | 2.91 | 25.7% |
| 2006-03-31 | 0.84 | 0.26 | 0.58 | 2.91 | 28.9% |
| 2005-12-31 | 0.46 | 0.14 | 0.31 | 2.93 | 15.6% |
| 2005-09-30 | 0.49 | 0.16 | 0.34 | 2.47 | 20.0% |
| 2005-06-30 | 0.28 | 0.10 | 0.18 | 2.19 | 12.9% |
| 2005-03-31 | 0.30 | 0.16 | 0.15 | 2.19 | 13.8% |
| 2004-12-31 | 0.44 | 0.08 | 0.35 | 2.24 | 19.5% |
| 2004-09-30 | 0.10 | 0.16 | -0.06Net Cash | 1.78 | 5.5% |
| 2004-06-30 | 0.21 | 0.15 | 0.06 | 1.77 | 11.8% |
| 2004-03-31 | 0.23 | 0.11 | 0.12 | 1.84 | 12.4% |
| 2003-12-31 | 0.39 | 0.07 | 0.32 | 1.87 | 20.9% |
| 2003-09-30 | 0.25 | 0.05 | 0.20 | 1.67 | 14.9% |
| 2003-06-30 | 0.25 | 0.13 | 0.12 | 1.66 | 15.1% |
| 2003-03-31 | 0.27 | 0.10 | 0.17 | 1.55 | 17.4% |
| 2002-12-31 | 0.29 | 0.03 | 0.26 | 1.45 | 20.2% |
| 2002-09-30 | 0.29 | 0.08 | 0.21 | 1.49 | 19.5% |
| 2002-06-30 | 0.30 | 0.08 | 0.22 | 1.52 | 19.7% |
| 2002-03-31 | 0.29 | 0.08 | 0.21 | 1.52 | 18.8% |
| 2001-12-31 | 0.31 | 0.12 | 0.19 | 1.48 | 21.0% |
| 2001-09-30 | 0.27 | 0.08 | 0.19 | 1.49 | 18.1% |
| 2001-06-30 | 0.27 | 0.11 | 0.17 | 1.34 | 20.4% |
| 2001-03-31 | 0.41 | 0.06 | 0.36 | 1.30 | 31.7% |
| 2000-12-31 | 0.44 | 0.12 | 0.32 | 1.42 | 30.7% |