Bread Financial Holdings, Inc. (BFH) — Free Cash Flow Generation Index
Bread Financial Holdings, Inc. (BFH) has a Free Cash Flow Generation Index of 1.00x as of March 2026. Free cash flow of $487.00 Million represents 1% of operating cash flow ($487.00 Million). Explore BFH capital reinvestment ratio to see what proportion of operating cash flow is directed to capital expenditures.
FCF Generation Index
Free Cash Flow
Operating Cash Flow
Capital Expenditures
Bread Financial Holdings, Inc. Free Cash Flow Generation Index (1998–2025)
Historical FCF Generation Index trend for Bread Financial Holdings, Inc. across 28 annual periods. For the full cash flow conversion analysis, see cash efficiency ratio of Bread Financial Holdings, Inc..
Annual Free Cash Flow Generation for Bread Financial Holdings, Inc. (1998–2025)
Year-by-year Free Cash Flow Generation Index for Bread Financial Holdings, Inc.. Check BFH total capital reinvestment ratio to assess the company's total reinvestment commitment from operating cash flow.
| Year | FCG Index | Free Cash Flow (USD) | Operating CF | Capital Expenditures | YoY Change |
|---|---|---|---|---|---|
| 2025 | 1.00x | $2.09 Billion | $2.09 Billion | $24.00 Million | ▲ +0.0% |
| 2024 | 1.00x | $1.86 Billion | $1.86 Billion | $36.00 Million | ▲ +0.0% |
| 2023 | 1.00x | $1.99 Billion | $1.99 Billion | $48.00 Million | ▲ +3.8% |
| 2022 | 0.96x | $1.78 Billion | $1.85 Billion | $68.00 Million | ▲ +1.9% |
| 2021 | 0.95x | $1.46 Billion | $1.54 Billion | $84.00 Million | ▼ -2.7% |
| 2020 | 0.97x | $1.83 Billion | $1.88 Billion | $54.00 Million | ▲ +10.0% |
| 2019 | 0.88x | $1.08 Billion | $1.22 Billion | $142.30 Million | ▼ -4.8% |
| 2018 | 0.93x | $2.56 Billion | $2.75 Billion | $199.80 Million | ▲ +1.5% |
| 2017 | 0.91x | $2.38 Billion | $2.61 Billion | $225.40 Million | ▲ +1.4% |
| 2016 | 0.90x | $1.88 Billion | $2.09 Billion | $207.00 Million | ▲ +2.1% |
| 2015 | 0.88x | $1.44 Billion | $1.63 Billion | $191.70 Million | ▲ +0.0% |
| 2014 | 0.88x | $1.19 Billion | $1.34 Billion | $158.70 Million | ▲ +2.1% |
| 2013 | 0.86x | $857.10 Million | $992.50 Million | $135.40 Million | ▼ -3.8% |
| 2012 | 0.90x | $1.02 Billion | $1.13 Billion | $116.40 Million | ▼ -3.2% |
| 2011 | 0.93x | $937.85 Million | $1.01 Billion | $73.50 Million | ▲ +0.4% |
| 2010 | 0.92x | $833.90 Million | $902.70 Million | $68.80 Million | ▲ +8.4% |
| 2009 | 0.85x | $305.44 Million | $358.41 Million | $52.97 Million | ▼ -4.3% |
| 2008 | 0.89x | $401.46 Million | $451.02 Million | $49.56 Million | ▲ +11.8% |
| 2007 | 0.80x | $454.87 Million | $571.52 Million | $116.65 Million | ▲ +1.3% |
| 2006 | 0.79x | $368.43 Million | $468.78 Million | $100.35 Million | ▲ +98.5% |
| 2005 | 0.40x | $43.18 Million | $109.08 Million | $65.90 Million | ▼ -54.1% |
| 2004 | 0.86x | $304.74 Million | $353.07 Million | $48.33 Million | ▲ +37.7% |
| 2003 | 0.63x | $78.85 Million | $125.80 Million | $46.95 Million | ▼ -4.2% |
| 2002 | 0.65x | $80.19 Million | $122.57 Million | $42.38 Million | ▼ -16.6% |
| 2001 | 0.78x | $133.04 Million | $169.68 Million | $36.64 Million | ▲ +26.4% |
| 2000 | 0.62x | $54.10 Million | $87.18 Million | $33.08 Million | ▼ -37.9% |
| 1999 | 1.00x | $251.64 Million | $251.64 Million | $0.00 | ▲ +0.0% |
| 1998 | 1.00x | $9.31 Million | $9.31 Million | $0.00 | — |