Company / FCF Margin
Bread Financial Holdings, Inc. FCF Margin History
FY2016-FY2022 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest FCF Margin
46.5%
FY2022
5-year range
44.6% / 46.5%
FY2018-FY2022
Trend
+4.3%
vs FY2021
Sector context
#51 of 206
Financials
What the data says
Bread Financial Holdings, Inc.'s fcf margin of 46.5% is higher than 75% of companies in the Financials sector (FY2022). FCF Margin has fluctuated over the past 7 years, ranging from 19.3% in FY2019 to 132.4% in FY2020.
Based on SEC 10-K filings.
46.5% in FY2022 with a 5-year CAGR of +3.2%. Top quartile in the Financials sector.
Declined from 132.4% to 46.5% over the past 2 years.
Financials sector context is included.
FCF Margin over time
Growth rates
- 3-Year Change
- +27.2pp
- 5-Year Change
- +3.2pp
- 10-Year Change
- -
Sector benchmark
Top 25% in FinancialsTop 25% of 206This company 46.5% Sector average 207.7%
▼
-77.6% below sector average
Key checks
Key Insights
- In FY2022, fcf margin increased 4.3% year-over-year.
- Currently 161.2pp below the Financials sector average.
- Peak fcf margin was recorded in FY2020.
- Lowest fcf margin in the period was in FY2019.
Company context
Key Data Points
- Altman Z-Score 0.30 (distress zone, below 1.8 threshold)
- High earnings quality (cash-backed earnings)
Data sourced from SEC EDGAR filings. Not investment advice.
Annual data
| Year | FCF MarginValue | YoY GrowthYoY |
|---|---|---|
| FY2025 | - | - |
| FY2024 | - | - |
| FY2023 | - | - |
| FY2022 | 46.5% | +4.3% |
| FY2021 | 44.6% | -66.3% |
| FY2020 | 132.4% | +586.5% |
| FY2019 | 19.3% | -57.2% |
| FY2018 | 45.1% | +4.0% |
| FY2017 | 43.4% | +61.2% |
| FY2016 | 26.9% | +10.5% |
As of FY2022 · SEC 10-K · Updated Mar 28, 2026