Company / Free Cash Flow
Bread Financial Holdings, Inc. Free Cash Flow History
FY2016-FY2022 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest Free Cash Flow
$1.8B
FY2022
5-year range
$1.5B / $1.8B
FY2018-FY2022
Trend
+22.0%
vs FY2021
Sector context
#40 of 302
Financials
What the data says
Bread Financial Holdings, Inc.'s free cash flow of $1.8B is higher than 87% of companies in the Financials sector (FY2022). Free Cash Flow has fluctuated over the past 7 years, ranging from $1.1B in FY2019 to $2.6B in FY2018.
Based on SEC 10-K filings.
$1.8B in FY2022 with a 5-year CAGR of -5.6%. Top quartile in the Financials sector.
Declined from $1.8B to $1.8B over the past 2 years.
Financials sector context is included.
Free Cash Flow over time
Growth rates
- 3-Year CAGR
- +18.3%
- 5-Year CAGR
- -5.6%
- 10-Year CAGR
- -
Sector benchmark
+175.4% above sector average
Key checks
Key Insights
- 5-year CAGR of -5.6%, indicating a declining trend.
- In FY2022, free cash flow increased 22.0% year-over-year.
- Ranks #40 out of 302 companies in the Financials sector.
- Peak free cash flow was recorded in FY2018.
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 | Free Cash FlowValue | YoY GrowthYoY |
|---|---|---|
| FY2025 | - | - |
| FY2024 | - | - |
| FY2023 | - | - |
| FY2022 | $1.8B | +22.0% |
| FY2021 | $1.5B | -20.2% |
| FY2020 | $1.8B | +70.0% |
| FY2019 | $1.1B | -57.9% |
| FY2018 | $2.6B | +7.6% |
| FY2017 | $2.4B | +23.6% |
| FY2016 | $1.9B | +22.5% |
As of FY2022 · SEC 10-K · Updated Mar 28, 2026