Bread Financial Holdings, Inc. (BFH) — Financial Flexibility Index
Bread Financial Holdings, Inc. (BFH) has a Financial Flexibility Index of 0.03x as of March 2026. Free cash flow of $494.00 Million (operating CF $487.00 Million minus capex $7.00 Million) represents 0% of total liabilities ($18.98 Billion). Check Bread Financial Holdings, Inc. (BFH) strategic asset index to assess the company's strategic physical and investment asset allocation.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Bread Financial Holdings, Inc. Financial Flexibility Index (1998–2025)
Historical Financial Flexibility Index trend for Bread Financial Holdings, Inc. across 28 annual periods. See BFH net working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Annual Financial Flexibility Index for Bread Financial Holdings, Inc. (1998–2025)
Year-by-year free cash flow to debt coverage for Bread Financial Holdings, Inc.. For the full company profile including market capitalisation, see market value of Bread Financial Holdings, Inc..
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.11x | $2.12 Billion | $2.09 Billion | $19.34 Billion | ▲ +14.6% |
| 2024 | 0.10x | $1.90 Billion | $1.86 Billion | $19.84 Billion | ▼ -5.1% |
| 2023 | 0.10x | $2.04 Billion | $1.99 Billion | $20.22 Billion | ▲ +21.5% |
| 2022 | 0.08x | $1.92 Billion | $1.85 Billion | $23.14 Billion | ▲ +0.0% |
| 2021 | 0.08x | $1.63 Billion | $1.54 Billion | $19.66 Billion | ▼ -10.2% |
| 2020 | 0.09x | $1.94 Billion | $1.88 Billion | $21.03 Billion | ▲ +68.5% |
| 2019 | 0.05x | $1.36 Billion | $1.22 Billion | $24.87 Billion | ▼ -48.1% |
| 2018 | 0.11x | $2.95 Billion | $2.75 Billion | $28.06 Billion | ▲ +7.1% |
| 2017 | 0.10x | $2.83 Billion | $2.61 Billion | $28.83 Billion | ▲ +2.2% |
| 2016 | 0.10x | $2.30 Billion | $2.09 Billion | $23.86 Billion | ▲ +6.7% |
| 2015 | 0.09x | $1.82 Billion | $1.63 Billion | $20.17 Billion | ▲ +5.8% |
| 2014 | 0.09x | $1.50 Billion | $1.34 Billion | $17.63 Billion | ▼ -6.4% |
| 2013 | 0.09x | $1.13 Billion | $992.50 Million | $12.39 Billion | ▼ -16.5% |
| 2012 | 0.11x | $1.25 Billion | $1.13 Billion | $11.47 Billion | ▼ -11.5% |
| 2011 | 0.12x | $1.08 Billion | $1.01 Billion | $8.80 Billion | ▲ +4.6% |
| 2010 | 0.12x | $971.50 Million | $902.70 Million | $8.25 Billion | ▲ +41.8% |
| 2009 | 0.08x | $411.38 Million | $358.41 Million | $4.95 Billion | ▼ -37.0% |
| 2008 | 0.13x | $500.57 Million | $451.02 Million | $3.79 Billion | ▼ -43.2% |
| 2007 | 0.23x | $688.17 Million | $571.52 Million | $2.97 Billion | ▼ -4.9% |
| 2006 | 0.24x | $569.13 Million | $468.78 Million | $2.33 Billion | ▲ +179.6% |
| 2005 | 0.09x | $174.98 Million | $109.08 Million | $2.00 Billion | ▼ -70.2% |
| 2004 | 0.29x | $401.40 Million | $353.07 Million | $1.37 Billion | ▲ +97.8% |
| 2003 | 0.15x | $172.76 Million | $125.80 Million | $1.17 Billion | ▼ -18.6% |
| 2002 | 0.18x | $164.95 Million | $122.57 Million | $905.80 Million | ▼ -14.3% |
| 2001 | 0.21x | $206.32 Million | $169.68 Million | $971.49 Million | ▲ +87.0% |
| 2000 | 0.11x | $120.27 Million | $87.18 Million | $1.06 Billion | ▼ -53.0% |
| 1999 | 0.24x | $251.64 Million | $251.64 Million | $1.04 Billion | ▲ +1966.7% |
| 1998 | 0.01x | $9.31 Million | $9.31 Million | $796.20 Million | — |