Bread Financial Holdings, Inc. (BFH) - Cash Flow Conversion Efficiency
Based on the latest financial reports, Bread Financial Holdings, Inc. (BFH) has a cash flow conversion efficiency ratio of 0.146x as of March 2026. Cash flow conversion efficiency measures how effectively a company's net assets (equity) generate operating cash flow. It is calculated by dividing operating cash flow ($487.00 Million) by net assets ($3.33 Billion). A higher ratio indicates that the company is more efficient at using its equity to generate cash flow from its core operations. See BFH net asset quality score to measure how much of total assets are equity-financed.
Bread Financial Holdings, Inc. - Cash Flow Conversion Efficiency Trend (1998–2025)
This chart illustrates how Bread Financial Holdings, Inc.'s cash flow conversion efficiency has evolved over time, based on yearly financial data. Check BFH cash to earnings ratio to evaluate the quality of earnings relative to operating cash generation.
Bread Financial Holdings, Inc. Competitors by Cash Flow Conversion Efficiency
The table below lists competitors of Bread Financial Holdings, Inc. ranked by their cash flow conversion efficiency.
| Company | Cash Flow Conversion Efficiency |
|---|---|
|
Northland Power Inc.
TO:NPI
|
0.113x |
|
Henan Pinggao Electric Co Ltd
SHG:600312
|
0.047x |
|
FLSmidth & Co.
CO:FLS
|
0.000x |
|
Geovis Technology Co Ltd
SHG:688568
|
0.020x |
|
Nordstrom Inc
NYSE:JWN
|
0.786x |
|
Metsera, Inc. Common Stock
NASDAQ:MTSR
|
-0.131x |
|
Whitehaven Coal Ltd
AU:WHC
|
0.050x |
|
AIXTRON SE (UNSP.ADR/2)
F:AIX2
|
0.060x |
Annual Cash Flow Conversion Efficiency for Bread Financial Holdings, Inc. (1998–2025)
The table below shows the annual cash flow conversion efficiency of Bread Financial Holdings, Inc. from 1998 to 2025. For the full company profile with market capitalisation and key ratios, see BFH stock market capitalisation.
| Year | Net Assets | Operating Cash Flow | Cash Flow Conversion Efficiency | Change |
|---|---|---|---|---|
| 2025-12-31 | $3.33 Billion | $2.09 Billion | 0.629x | +3.20% |
| 2024-12-31 | $3.05 Billion | $1.86 Billion | 0.609x | -10.52% |
| 2023-12-31 | $2.92 Billion | $1.99 Billion | 0.681x | -16.54% |
| 2022-12-31 | $2.27 Billion | $1.85 Billion | 0.816x | +10.30% |
| 2021-12-31 | $2.09 Billion | $1.54 Billion | 0.740x | -40.22% |
| 2020-12-31 | $1.52 Billion | $1.88 Billion | 1.237x | +64.73% |
| 2019-12-31 | $1.62 Billion | $1.22 Billion | 0.751x | -36.42% |
| 2018-12-31 | $2.33 Billion | $2.75 Billion | 1.181x | -16.02% |
| 2017-12-31 | $1.86 Billion | $2.61 Billion | 1.407x | +11.68% |
| 2016-12-31 | $1.66 Billion | $2.09 Billion | 1.259x | +68.55% |
| 2015-12-31 | $2.18 Billion | $1.63 Billion | 0.747x | +46.31% |
| 2014-12-31 | $2.63 Billion | $1.34 Billion | 0.511x | -55.96% |
| 2013-12-31 | $855.76 Million | $992.50 Million | 1.160x | -45.96% |
| 2012-12-31 | $528.49 Million | $1.13 Billion | 2.146x | -62.66% |
| 2011-12-31 | $175.97 Million | $1.01 Billion | 5.747x | -85.30% |
| 2010-12-31 | $23.09 Million | $902.70 Million | 39.088x | +2874.85% |
| 2009-12-31 | $272.78 Million | $358.41 Million | 1.314x | +59.44% |
| 2008-12-31 | $547.30 Million | $451.02 Million | 0.824x | +72.59% |
| 2007-12-31 | $1.20 Billion | $571.52 Million | 0.477x | +9.14% |
| 2006-12-31 | $1.07 Billion | $468.78 Million | 0.437x | +269.42% |
| 2005-12-31 | $921.11 Million | $109.08 Million | 0.118x | -70.80% |
| 2004-12-31 | $870.52 Million | $353.07 Million | 0.406x | +126.43% |
| 2003-12-31 | $702.33 Million | $125.80 Million | 0.179x | -20.71% |
| 2002-12-31 | $542.56 Million | $122.57 Million | 0.226x | -32.67% |
| 2001-12-31 | $505.73 Million | $169.68 Million | 0.336x | +39.46% |
| 2000-12-31 | $362.39 Million | $87.18 Million | 0.241x | -75.14% |
| 1999-12-31 | $260.07 Million | $251.64 Million | 0.968x | +2963.52% |
| 1998-12-31 | $294.81 Million | $9.31 Million | 0.032x | -- |
About Bread Financial Holdings, Inc.
Bread Financial Holdings, Inc. provides tech-forward payment and lending solutions to customers and consumer-based industries in North America. It offers credit card and other loans financing services, including risk management solutions, underwriting, and funding services for private label and co-brand credit card programs, as well as through Bread Pay partnerships. The company also manages and … Read more