Bread Financial Holdings, Inc. (BFH) — Cash Flow Quality Index
Bread Financial Holdings, Inc. (BFH) has a Cash Flow Quality Index of 2.69x as of March 2026. Operating cash flow of $487.00 Million exceeds net income of $181.00 Million, indicating high earnings quality where cash backs reported profits. Explore Bread Financial Holdings, Inc. cash flow conversion to assess how effectively this company generates cash.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Bread Financial Holdings, Inc. Cash Flow Quality Index (2002–2025)
Historical Cash Flow Quality Index for Bread Financial Holdings, Inc. across 24 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check total reinvestment intensity of Bread Financial Holdings, Inc. to assess the company's total reinvestment commitment from operating cash flow.
Annual Cash Flow Quality Index for Bread Financial Holdings, Inc. (2002–2025)
Year-by-year earnings quality comparison for Bread Financial Holdings, Inc.. For live market cap and the full company financial profile, see Bread Financial Holdings, Inc. market cap and net worth.
| 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 | — |