Company / Operating Cash Flow
Bread Financial Holdings, Inc. Operating Cash Flow History
FY2016-FY2025 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest Operating Cash Flow
$2.1B
FY2025
5-year range
$1.5B / $2.1B
FY2021-FY2025
Trend
+12.5%
vs FY2024
Sector context
#71 of 413
Financials
What the data says
Bread Financial Holdings, Inc.'s operating cash flow of $2.1B is higher than 83% of companies in the Financials sector (FY2025). Operating Cash Flow has fluctuated over the past 10 years, ranging from $1.2B in FY2019 to $2.8B in FY2018.
Based on SEC 10-K filings.
$2.1B in FY2025 with a 5-year CAGR of +2.1%. Top quartile in the Financials sector.
Improved from $2.0B to $2.1B over the past 2 years.
Financials sector context is included.
Operating Cash Flow over time
Growth rates
- 3-Year CAGR
- +4.2%
- 5-Year CAGR
- +2.1%
- 10-Year CAGR
- -
Sector benchmark
+228.7% above sector average
Key checks
Key Insights
- 5-year CAGR of +2.1%, indicating consistent growth.
- In FY2025, operating cash flow increased 12.5% year-over-year.
- Ranks #71 out of 413 companies in the Financials sector.
- Peak operating 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 | Operating Cash FlowValue | YoY GrowthYoY |
|---|---|---|
| FY2025 | $2.1B | +12.5% |
| FY2024 | $1.9B | -6.4% |
| FY2023 | $2.0B | +7.5% |
| FY2022 | $1.8B | +19.8% |
| FY2021 | $1.5B | -18.1% |
| FY2020 | $1.9B | +54.6% |
| FY2019 | $1.2B | -55.8% |
| FY2018 | $2.8B | +6.0% |
| FY2017 | $2.6B | +22.2% |
| FY2016 | $2.1B | +20.9% |
As of FY2025 · SEC 10-K · Updated Mar 28, 2026