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 Bread Financial Holdings, Inc. (BFH) financial flexibility to measure the company's free cash flow as a share of total liabilities.
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. For the full cash flow conversion analysis, see Bread Financial Holdings, Inc. (BFH) cash flow conversion.
Annual Cash Flow-to-Debt Ratio for Bread Financial Holdings, Inc. (1998–2025)
Year-by-year debt coverage analysis for Bread Financial Holdings, Inc.. Check BFH cash to earnings ratio to evaluate the quality of earnings relative to operating cash generation.
| 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 | — |