Company / Total Debt
Bread Financial Holdings, Inc. Total Debt History
FY2016-FY2025 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest Total Debt
$4.3B
FY2025
5-year range
$4.3B / $8.0B
FY2021-FY2025
Trend
-22.5%
vs FY2024
Sector context
#64 of 198
Financials
What the data says
At $4.3B, Bread Financial Holdings, Inc.'s total debt ranks #135 of 198 in the Financials sector. Total Debt has fluctuated over the past 10 years, ranging from $2.8B in FY2020 to $8.0B in FY2022.
Based on SEC 10-K filings.
$4.3B in FY2025 with a 5-year CAGR of +9.0%.
Improved from $5.3B to $4.3B over the past 2 years.
Financials sector context is included.
Total Debt over time
Growth rates
- 3-Year CAGR
- -18.7%
- 5-Year CAGR
- +9.0%
- 10-Year CAGR
- -
Sector benchmark
#135 of 198 in FinancialsTop 68% of 198This company $4.3B Sector average $11.0B
▼
-60.8% below sector average
Key checks
Key Insights
- 5-year CAGR of +9.0%, indicating consistent growth.
- In FY2025, total debt decreased 22.5% year-over-year.
- Ranks #64 out of 198 companies in the Financials sector.
- Peak total debt was recorded 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 | Total DebtValue | YoY GrowthYoY |
|---|---|---|
| FY2025 | $4.3B | -22.5% |
| FY2024 | $5.6B | +5.0% |
| FY2023 | $5.3B | -33.9% |
| FY2022 | $8.0B | +7.6% |
| FY2021 | $7.4B | +165.1% |
| FY2020 | $2.8B | -1.6% |
| FY2019 | $2.8B | -50.3% |
| FY2018 | $5.7B | -5.6% |
| FY2017 | $6.1B | +8.5% |
| FY2016 | $5.6B | +10.6% |
As of FY2025 · SEC 10-K · Updated Mar 28, 2026