Company / Working Capital
Bread Financial Holdings, Inc. Working Capital History
FY2016-FY2020 · Annual data · Source: SEC filings
At a glance
Latest annual filing availableLatest Working Capital
$9.2B
FY2020
5-year range
-
FY2016-FY2020
Trend
-24.7%
vs FY2019
Sector context
#4 of 76
Financials
What the data says
Among 76 Financials companies, Bread Financial Holdings, Inc. is in the top 5% for working capital. Working Capital has declined for 3 consecutive years, from $14.6B in FY2017 to $9.2B in FY2020.
Based on SEC 10-K filings.
$9.2B in FY2020 with a 3-year CAGR of -14.1%. Top quartile in the Financials sector.
Declined from $13.2B to $9.2B over the past 2 years.
Financials sector context is included.
Working Capital over time
Growth rates
- 3-Year CAGR
- -14.1%
- 5-Year CAGR
- -
- 10-Year CAGR
- -
Sector benchmark
Top 5% in FinancialsTop 5% of 76This company $9.2B Sector average $1.3B
▼
+611.0% above sector average
Key checks
Key Insights
- Bread Financial Holdings, Inc.'s working capital has declined for 3 consecutive years.
- 3-year CAGR of -14.1%, indicating a declining trend.
- In FY2020, working capital decreased 24.7% year-over-year.
- Ranks #4 out of 76 companies in the Financials sector.
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 | Working CapitalValue | YoY GrowthYoY |
|---|---|---|
| FY2025 | - | - |
| FY2024 | - | - |
| FY2023 | - | - |
| FY2022 | - | - |
| FY2021 | - | - |
| FY2020 | $9.2B | -24.7% |
| FY2019 | $12.2B | -7.5% |
| FY2018 | $13.2B | -9.1% |
| FY2017 | $14.6B | +40.5% |
| FY2016 | $10.4B | +5.2% |
As of FY2020 · SEC 10-K · Updated Mar 28, 2026