Company / Return on Equity (ROE)
Bread Financial Holdings, Inc. Return on Equity (ROE) History
FY2016-FY2025 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest Return on Equity (ROE)
15.6%
FY2025
5-year range
9.1% / 38.4%
FY2021-FY2025
Trend
+71.5%
vs FY2024
Sector context
#97 of 390
Financials
What the data says
Bread Financial Holdings, Inc.'s return on equity (roe) of 15.6% is higher than 75% of companies in the Financials sector (FY2025). Return on Equity (ROE) has fluctuated over the past 10 years, ranging from 9.1% in FY2024 to 42.5% in FY2017.
Based on SEC 10-K filings.
15.6% in FY2025 with a 5-year CAGR of +1.5%. Top quartile in the Financials sector.
Declined from 24.6% to 15.6% over the past 2 years.
Financials sector context is included.
Return on Equity (ROE) over time
Growth rates
- 3-Year Change
- +5.7pp
- 5-Year Change
- +1.5pp
- 10-Year Change
- -
Sector benchmark
-11.3% below sector average
Key checks
Key Insights
- In FY2025, return on equity (roe) increased 71.5% year-over-year.
- Currently 2.0pp below the Financials sector average.
- Peak return on equity (roe) was recorded in FY2017.
- Lowest return on equity (roe) in the period was in FY2024.
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 Equity (ROE)Value | YoY GrowthYoY |
|---|---|---|
| FY2025 | 15.6% | +71.5% |
| FY2024 | 9.1% | -63.1% |
| FY2023 | 24.6% | +149.8% |
| FY2022 | 9.8% | -74.3% |
| FY2021 | 38.4% | +173.1% |
| FY2020 | 14.1% | -19.7% |
| FY2019 | 17.5% | -57.6% |
| FY2018 | 41.3% | -2.8% |
| FY2017 | 42.5% | +36.2% |
| FY2016 | 31.2% | +3.6% |
As of FY2025 · SEC 10-K · Updated Mar 28, 2026