Company / Return on Assets (ROA)
Bread Financial Holdings, Inc. Return on Assets (ROA) History
FY2016-FY2025 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest Return on Assets (ROA)
2.3%
FY2025
5-year range
0.9% / 3.7%
FY2021-FY2025
Trend
+89.3%
vs FY2024
Sector context
#140 of 402
Financials
What the data says
At 2.3%, Bread Financial Holdings, Inc.'s return on assets (roa) ranks #140 of 402 in the Financials sector. Return on Assets (ROA) has fluctuated over the past 10 years, ranging from 0.9% in FY2022 to 3.7% in FY2021.
Based on SEC 10-K filings.
2.3% in FY2025 with a 5-year CAGR of +1.3%.
Declined from 3.1% to 2.3% over the past 2 years.
Financials sector context is included.
Return on Assets (ROA) over time
Growth rates
- 3-Year Change
- +1.4pp
- 5-Year Change
- +1.3pp
- 10-Year Change
- -
Sector benchmark
#140 of 402 in FinancialsTop 35% of 402This company 2.3% Sector average 2.8%
▼
-17.0% below sector average
Key checks
Key Insights
- In FY2025, return on assets (roa) increased 89.3% year-over-year.
- Currently 0.5pp below the Financials sector average.
- Peak return on assets (roa) was recorded in FY2021.
- Lowest return on assets (roa) in the period was in FY2022.
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 | Return on Assets (ROA)Value | YoY GrowthYoY |
|---|---|---|
| FY2025 | 2.3% | +89.3% |
| FY2024 | 1.2% | -61.0% |
| FY2023 | 3.1% | +252.3% |
| FY2022 | 0.9% | -76.1% |
| FY2021 | 3.7% | +287.4% |
| FY2020 | 0.9% | -9.5% |
| FY2019 | 1.1% | -66.9% |
| FY2018 | 3.2% | +23.3% |
| FY2017 | 2.6% | +26.6% |
| FY2016 | 2.0% | -25.1% |
As of FY2025 · SEC 10-K · Updated Mar 28, 2026