Bread Financial Holdings, Inc. (BFH) — Cash Flow-to-Debt Ratio
Bread Financial Holdings, Inc. (BFH) has a Cash Flow-to-Debt Ratio of 0.03x as of March 2026, meaning its operating cash flow of $487.00 Million could theoretically repay 0% of its total liabilities ($18.98 Billion) in one year. See BFH cash flow after capex ratio to measure how efficiently the company converts operating cash flow to free cash.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Bread Financial Holdings, Inc. Cash Flow-to-Debt Ratio (1998–2025)
Historical debt coverage capacity for Bread Financial Holdings, Inc. across 28 annual periods. Also explore BFH net asset momentum to track the company's year-over-year net asset growth rate.
Annual Cash Flow-to-Debt Ratio for Bread Financial Holdings, Inc. (1998–2025)
Year-by-year debt coverage analysis for Bread Financial Holdings, Inc.. For market capitalisation and broader financial context, see market cap of Bread Financial Holdings, Inc..
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.11x | $2.09 Billion | $19.34 Billion | ▲ +15.5% |
| 2024 | 0.09x | $1.86 Billion | $19.84 Billion | ▼ -4.6% |
| 2023 | 0.10x | $1.99 Billion | $20.22 Billion | ▲ +23.0% |
| 2022 | 0.08x | $1.85 Billion | $23.14 Billion | ▲ +1.7% |
| 2021 | 0.08x | $1.54 Billion | $19.66 Billion | ▼ -12.4% |
| 2020 | 0.09x | $1.88 Billion | $21.03 Billion | ▲ +82.9% |
| 2019 | 0.05x | $1.22 Billion | $24.87 Billion | ▼ -50.1% |
| 2018 | 0.10x | $2.75 Billion | $28.06 Billion | ▲ +8.5% |
| 2017 | 0.09x | $2.61 Billion | $28.83 Billion | ▲ +3.4% |
| 2016 | 0.09x | $2.09 Billion | $23.86 Billion | ▲ +8.5% |
| 2015 | 0.08x | $1.63 Billion | $20.17 Billion | ▲ +5.8% |
| 2014 | 0.08x | $1.34 Billion | $17.63 Billion | ▼ -4.8% |
| 2013 | 0.08x | $992.50 Million | $12.39 Billion | ▼ -19.0% |
| 2012 | 0.10x | $1.13 Billion | $11.47 Billion | ▼ -13.9% |
| 2011 | 0.11x | $1.01 Billion | $8.80 Billion | ▲ +5.0% |
| 2010 | 0.11x | $902.70 Million | $8.25 Billion | ▲ +51.2% |
| 2009 | 0.07x | $358.41 Million | $4.95 Billion | ▼ -39.1% |
| 2008 | 0.12x | $451.02 Million | $3.79 Billion | ▼ -38.3% |
| 2007 | 0.19x | $571.52 Million | $2.97 Billion | ▼ -4.1% |
| 2006 | 0.20x | $468.78 Million | $2.33 Billion | ▲ +269.4% |
| 2005 | 0.05x | $109.08 Million | $2.00 Billion | ▼ -78.9% |
| 2004 | 0.26x | $353.07 Million | $1.37 Billion | ▲ +138.9% |
| 2003 | 0.11x | $125.80 Million | $1.17 Billion | ▼ -20.2% |
| 2002 | 0.14x | $122.57 Million | $905.80 Million | ▼ -22.5% |
| 2001 | 0.17x | $169.68 Million | $971.49 Million | ▲ +112.1% |
| 2000 | 0.08x | $87.18 Million | $1.06 Billion | ▼ -65.9% |
| 1999 | 0.24x | $251.64 Million | $1.04 Billion | ▲ +1966.7% |
| 1998 | 0.01x | $9.31 Million | $796.20 Million | — |