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 much of Bread Financial Holdings, Inc.'s assets are long-term investments to see how much of total assets are deployed in long-term investments.
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 BFH intangible-adjusted equity ratio to evaluate the tangible quality of the company's equity base.
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. stock valuation.
| 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 | — |