Bread Financial Holdings, Inc. Cash Flow Quality Index
Bread Financial Holdings, Inc. cash flow quality index. Bread Financial Holdings, Inc. (BFH) has a Cash Flow Quality Index of 3.63x as of June 2026. Operating cash flow of $533.00 Million exceeds net income of $147.00 Million, indicating high earnings quality where cash backs reported profits. See BFH financial flexibility score to measure the company's free cash flow as a share of total liabilities.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cash Flow Quality Index of Bread Financial Holdings, Inc. (2002–2025)
Cash flow quality index of Bread Financial Holdings, Inc. from 2002 to 2025. Historical Cash Flow Quality Index for Bread Financial Holdings, Inc. across 24 annual periods. Values consistently above 1.0x indicate high-quality earnings. Explore cash flow to debt ratio of Bread Financial Holdings, Inc. to assess how comfortably operating cash covers total debt obligations.
Bread Financial Holdings, Inc. Cash Flow Quality Index by Year (2002–2025)
Bread Financial Holdings, Inc. cash flow quality index by year from 2002 to 2025. Year-by-year earnings quality comparison for Bread Financial Holdings, Inc.. For the full cash flow conversion analysis, see cash efficiency ratio of Bread Financial Holdings, Inc..
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 4.04x | $2.09 Billion | $518.00 Million | ▼ -39.8% |
| 2024 | 6.71x | $1.86 Billion | $277.00 Million | ▲ +142.5% |
| 2023 | 2.77x | $1.99 Billion | $718.00 Million | ▼ -66.6% |
| 2022 | 8.29x | $1.85 Billion | $223.00 Million | ▲ +330.2% |
| 2021 | 1.93x | $1.54 Billion | $801.00 Million | ▼ -78.1% |
| 2020 | 8.81x | $1.88 Billion | $213.70 Million | ▲ +124.9% |
| 2019 | 3.92x | $1.22 Billion | $310.90 Million | ▲ +36.9% |
| 2018 | 2.86x | $2.75 Billion | $963.10 Million | ▼ -13.5% |
| 2017 | 3.31x | $2.61 Billion | $788.70 Million | ▼ -18.0% |
| 2016 | 4.03x | $2.09 Billion | $517.60 Million | ▲ +49.6% |
| 2015 | 2.70x | $1.63 Billion | $603.20 Million | ▲ +3.6% |
| 2014 | 2.60x | $1.34 Billion | $516.10 Million | ▲ +30.2% |
| 2013 | 2.00x | $992.50 Million | $496.20 Million | ▼ -25.5% |
| 2012 | 2.69x | $1.13 Billion | $422.20 Million | ▼ -16.3% |
| 2011 | 3.21x | $1.01 Billion | $315.29 Million | ▼ -31.2% |
| 2010 | 4.66x | $902.70 Million | $193.70 Million | ▲ +86.9% |
| 2009 | 2.49x | $358.41 Million | $143.73 Million | ▲ +20.2% |
| 2008 | 2.07x | $451.02 Million | $217.39 Million | ▼ -40.4% |
| 2007 | 3.48x | $571.52 Million | $164.06 Million | ▲ +40.9% |
| 2006 | 2.47x | $468.78 Million | $189.60 Million | ▲ +214.5% |
| 2005 | 0.79x | $109.08 Million | $138.75 Million | ▼ -77.2% |
| 2004 | 3.45x | $353.07 Million | $102.37 Million | ▲ +84.5% |
| 2003 | 1.87x | $125.80 Million | $67.30 Million | ▼ -63.9% |
| 2002 | 5.18x | $122.57 Million | $23.66 Million | — |