Bread Financial Holdings, Inc. Cash Flow Conversion Efficiency
Bread Financial Holdings, Inc. cash flow conversion efficiency. Based on the latest financial reports, Bread Financial Holdings, Inc. (BFH) has a cash flow conversion efficiency ratio of 0.158x as of June 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 ($533.00 Million) by net assets ($3.37 Billion). A higher ratio indicates that the company is more efficient at using its equity to generate cash flow from its core operations.
Cash Flow Conversion Efficiency of Bread Financial Holdings, Inc. (1998–2025)
Cash flow conversion efficiency of Bread Financial Holdings, Inc. from 1998 to 2025. This chart illustrates how Bread Financial Holdings, Inc.'s cash flow conversion efficiency has evolved over time, based on yearly financial data. View latest Bread Financial Holdings, Inc. stock price today for real-time trading data and today's change.
Bread Financial Holdings, Inc. Cash Flow Conversion Ratio Explained
Bread Financial Holdings, Inc. cash flow conversion ratio divides operating cash flow by net assets, so a higher ratio means more cash generated from each unit of shareholder equity.
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. Also see BFH company net worth for the company's overall valuation and market capitalisation.
| Company | Cash Flow Conversion Efficiency |
|---|---|
|
Dolby Laboratories
NYSE:DLB
|
0.134x |
|
Indian Railway Catering And Tourism Corporation Limited
NSE:IRCTC
|
0.193x |
|
Transcend Information Inc
TW:2451
|
0.025x |
|
Aspen Pharmacare Holdings Ltd
JSE:APN
|
0.044x |
|
Jiangsu Nata Opto Electr Material
SHE:300346
|
0.058x |
|
Corporacion America Airports
NYSE:CAAP
|
0.054x |
|
Sonae SGPS SA
LS:SON
|
0.018x |
|
Emcure Pharmaceuticals Ltd
NSE:EMCURE
|
0.051x |
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. Review BFH free cash flow to operating cash ratio to assess how much free cash flow the company generates relative to operating cash flow.
| 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