Bread Financial Holdings, Inc.

Financial Services · Credit Services

97.60$ -0.2% vs. previous close Closing price · As of: Oct 7, 2026

Statements

Income Statement

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Amounts Change % Common size % Per share

Last 12 Full history

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All figures per share in USD.

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Income Statement BFH
Line item	Q3 16	Q4 16	Q1 17	Q2 17	Q3 17	Q4 17	Q1 18	Q2 18	Q3 18	Q4 18	Q1 19	Q2 19	Q3 19	Q4 19	Q1 20	Q2 20	Q3 20	Q4 20	Q1 21	Q2 21	Q3 21	Q4 21	Q1 22	Q2 22	Q3 22	Q4 22	Q1 23	Q2 23	Q3 23	Q4 23	Q1 24	Q2 24	Q3 24	Q4 24	Q1 25	Q2 25	Q3 25	Q4 25	Q1 26	Q2 26	LTM
Revenue	32.29	31.56	33.14	32.65	34.40	37.88	24.81	25.22	25.87	37.93	25.08	25.64	28.52	30.69	28.97	20.53	21.98	22.93	21.79	20.25	21.99	18.78	18.42	20.22	22.51	24.61	25.73	23.00	24.95	25.30	24.93	23.51	23.98	22.94	24.09	24.34	24.86	25.52	28.03	29.19	116.81
Cost of Revenue	19.76	22.74	20.59	20.64	21.79	23.44	12.99	13.13	14.38	24.38	14.74	15.18	16.42	17.79	13.37	13.01	12.51	14.78	9.99	9.61	9.78	8.94	1.64	10.00	8.76	17.78	2.40	10.76	10.44	14.52	11.45	10.58	11.94	12.86	10.50	10.47	10.72	4.33	11.48	12.48	42.06
Gross Profit	12.53	8.82	12.55	12.01	12.60	14.44	11.82	12.09	11.50	13.55	10.33	10.46	12.11	12.90	15.60	7.52	9.47	8.15	11.80	10.64	12.20	9.84	18.66	10.22	13.75	6.83	26.65	12.25	14.51	10.79	13.48	12.93	12.04	10.08	13.59	13.88	14.15	21.20	16.55	16.71	74.74
Selling, General & Administrative	0.70	0.55	0.79	0.76	0.68	0.74	0.56	0.84	0.79	0.85	0.72	1.09	0.63	0.49	0.50	0.43	0.61	0.67	3.19	0.54	0.69	3.64	3.58	3.83	4.05	4.15	4.39	4.31	4.19	4.44	4.29	4.26	4.47	4.80	4.33	4.49	4.67	11.11	5.09	5.53	28.94
Total Operating Expenses	5.32	5.72	6.34	5.71	3.99	6.12	5.13	4.93	2.77	2.96	3.63	4.05	6.07	6.41	12.16	3.86	3.38	2.81	1.69	1.17	4.55	8.54	0.62	9.90	9.96	11.00	0.78	10.54	10.02	10.42	9.70	9.34	11.25	10.62	9.62	10.19	10.02	20.17	10.93	11.87	57.96
Operating Income	7.21	3.10	6.22	6.30	8.61	8.32	6.68	7.16	8.72	10.59	6.71	6.41	6.04	6.49	3.44	3.66	6.09	5.35	10.10	9.47	7.66	1.30	7.60	0.32	3.79	-4.17	17.09	1.71	4.49	0.36	3.78	3.59	0.78	-0.54	3.97	3.69	4.13	1.02	5.63	4.84	16.78
Interest Expense	0.93	1.02	1.13	1.30	1.33	1.30	0.79	0.75	0.68	1.29	0.71	0.74	0.52	0.57	0.60	0.55	0.52	0.61	2.18	2.00	1.84	1.68	1.58	1.90	2.67	3.91	4.35	4.08	4.37	4.80	4.99	4.80	4.71	4.58	4.54	4.66	4.42	4.33	4.47	4.79	19.58
Pre-Tax Income	5.35	1.07	4.01	3.83	6.00	5.51	4.32	4.75	6.24	7.33	4.00	3.68	3.26	3.52	0.53	0.99	3.68	3.02	7.92	7.43	5.81	1.30	6.04	0.32	3.79	-4.17	12.73	1.71	4.49	0.36	3.78	3.59	0.78	-0.54	3.97	3.69	4.13	1.02	5.63	4.84	16.78
Income Tax Expense	1.80	0.89	1.43	1.37	1.81	0.63	1.15	0.71	0.99	2.08	0.65	0.98	0.85	0.78	-0.10	0.18	0.89	1.09	2.17	1.96	1.34	0.08	1.82	0.08	1.10	-1.48	3.65	0.44	1.04	-0.52	1.07	0.94	0.73	-0.67	1.11	0.74	0.17	-0.13	1.44	1.25	2.83
Net Income	3.55	0.18	2.58	2.47	4.19	4.88	2.94	3.93	5.39	5.26	2.80	2.64	-2.13	2.05	0.63	0.81	2.79	0.25	5.75	5.47	4.47	0.34	4.20	0.24	2.69	-2.69	9.08	0.95	3.41	0.87	2.70	2.65	0.04	0.14	2.78	2.94	3.96	1.15	4.19	3.59	13.96
EBITDA	7.52	3.27	6.21	6.08	8.24	7.72	6.50	6.95	8.46	9.57	6.24	4.49	5.58	4.42	1.35	1.85	4.52	4.33	10.79	11.27	8.29	1.30	8.02	0.92	4.37	-3.51	17.76	2.41	4.95	0.85	4.25	4.04	1.22	-0.10	4.40	4.13	4.53	1.43	6.06	4.84	18.18

LTM = last twelve months (sum of the four most recent quarters).

Showing the most recent 40 periods — older statements are on file for this stock.

Data as of: October 7, 2026 · Source: fundamental data & SEC filings (annual and quarterly reports, 10-K/10-Q)

Note: pure fact-based analysis, not investment advice and not a solicitation to buy or sell. All figures without guarantee.

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Income Statement

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