Bread Financial Holdings, Inc. Financial Flexibility Index
Bread Financial Holdings, Inc. financial flexibility index. Bread Financial Holdings, Inc. (BFH) has a Financial Flexibility Index of 0.03x as of June 2026. Free cash flow of $537.00 Million (operating CF $533.00 Million minus capex $4.00 Million) represents 0% of total liabilities ($19.09 Billion). See BFH free cash flow to operating cash ratio to measure how efficiently the company converts operating cash flow to free cash.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Financial Flexibility Index of Bread Financial Holdings, Inc. (1998–2025)
Financial flexibility index of Bread Financial Holdings, Inc. from 1998 to 2025. Historical Financial Flexibility Index trend for Bread Financial Holdings, Inc. across 28 annual periods. Check Bread Financial Holdings, Inc. (BFH) cash earnings ratio to evaluate the quality of earnings relative to operating cash generation.
Bread Financial Holdings, Inc. Financial Flexibility Index by Year (1998–2025)
Bread Financial Holdings, Inc. financial flexibility index by year from 1998 to 2025. Year-by-year free cash flow to debt coverage for Bread Financial Holdings, Inc.. For the full cash flow conversion analysis, see Bread Financial Holdings, Inc. (BFH) cash flow conversion.
| 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 | — |