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. total reinvestment intensity to assess the company's total reinvestment commitment from operating cash flow.
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. For the full cash flow conversion analysis, see BFH cash flow conversion.
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.. Explore BFH cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.
| 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 | — |