Company / Interest Expense
Bread Financial Holdings, Inc. Interest Expense History
FY2016-FY2023 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest Interest Expense
$879.0M
FY2023
5-year range
$383.0M / $879.0M
FY2019-FY2023
Trend
+74.8%
vs FY2022
Sector context
#35 of 224
Financials
What the data says
Bread Financial Holdings, Inc.'s interest expense of $879M is higher than 84% of companies in the Financials sector (FY2023). Increased from $383M to $879M over the past 2 years.
Based on SEC 10-K filings.
$879M in FY2023 with a 5-year CAGR of +10.1%. Top quartile in the Financials sector.
Increased from $383M to $879M over the past 2 years.
Financials sector context is included.
Interest Expense over time
Growth rates
- 3-Year CAGR
- +20.8%
- 5-Year CAGR
- +10.1%
- 10-Year CAGR
- -
Sector benchmark
Bottom 16% in FinancialsTop 84% of 224This company $879.0M Sector average $1.1B
▼
-23.2% below sector average
Key checks
Key Insights
- 5-year CAGR of +10.1%, indicating consistent growth.
- In FY2023, interest expense increased 74.8% year-over-year.
- Ranks #35 out of 224 companies in the Financials sector.
- Lowest interest expense in the period was in FY2021.
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 | Interest ExpenseValue | YoY GrowthYoY |
|---|---|---|
| FY2025 | - | - |
| FY2024 | - | - |
| FY2023 | $879.0M | +74.8% |
| FY2022 | $503.0M | +31.3% |
| FY2021 | $383.0M | -23.2% |
| FY2020 | $499.0M | -21.8% |
| FY2019 | $638.0M | +17.6% |
| FY2018 | $542.3M | +19.1% |
| FY2017 | $455.4M | +6.3% |
| FY2016 | $428.5M | +29.8% |
As of FY2023 · SEC 10-K · Updated Mar 28, 2026