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 how well can Bread Financial Holdings, Inc. service its debt to assess how comfortably operating cash covers total debt obligations.
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. For the full cash flow conversion analysis, see Bread Financial Holdings, Inc. (BFH) cash conversion ratio.
Annual Cash Flow Quality Index for Bread Financial Holdings, Inc. (2002–2025)
Year-by-year earnings quality comparison for 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 | — |