BFH

Bread Financial Holdings, Inc.

$98.61+0.70 (+0.71%)Close Nov 13, 2026

Jun 15, 2001 – Nov 13, 2026, Dividends reinvested

Final balance: $112,105
CAGR: +9.98%
Max drawdown: −92.36%
Sharpe ratio: 0.44

Growth of $10,000

Trailing returns (%)

BFH's average annual return was −3.79% over the last 10 years and 4.29% over the last 20 years, through Nov 13, 2026. $10,000 in BFH on Nov 11, 2016 fell to $6,792 by Nov 13, 2026, with dividends reinvested.

	Total	Per year
BFH	−3.62	−11.47	+18.82	+34.23	+60.69	+56.53	+6.06	−3.79	+2.34	+4.29	+9.25	+9.98

Total

1M: −3.62%
3M: −11.47%
6M: +18.82%
YTD: +34.23%
1Y: +60.69%

Per year

3Y: +56.53%
5Y: +6.06%
10Y: −3.79%
15Y: +2.34%
20Y: +4.29%
25Y: +9.25%
Since 2001: +9.98%

Annual returns

2001 from Jun 15 · 2026 through Nov 13

BFH returns by year

Year	Return
2026 through Nov 13	+34.23%
2025	+23.06%
2024	+88.97%
2023	−10.23%
2022	−42.42%
2021	+13.62%
2020	−32.70%
2019	−23.82%
2018	−40.18%
2017	+11.92%
2016	−17.17%
2015	−3.31%
2014	+8.79%
2013	+81.63%
2012	+39.41%
2011	+46.19%
2010	+9.97%
2009	+38.81%
2008	−37.95%
2007	+20.04%
2006	+75.48%
2005	−25.02%
2004	+71.53%
2003	+56.21%
2002	−7.47%
2001 from Jun 15	+48.91%

Metrics

Since 2001

Volatility	43.67%
Sortino ratio	0.64
Calmar ratio	0.11
Best year, 2024	+88.97%
Worst year, 2022	−42.42%
Positive years	14 of 24
Longest drawdown	11.6 years

Worst drawdowns

Since 2001

Decline	Peak	Bottom	Recovered	Length
−92.4%	Apr 2015	Mar 2020	Not yet	11.6 years so far
−70.5%	Oct 2007	Mar 2009	Mar 2011	3.4 years
−46.6%	Apr 2002	Oct 2002	Jul 2003	1.3 years
−32.4%	Dec 2004	Oct 2005	Apr 2006	1.3 years
−32.2%	Jul 2001	Sep 2001	Nov 2001	4 months