Bread Financial Holdings, Inc.

Financial Services · Credit Services

98.10$ +1.1% vs. previous close Closing price · As of: Oct 2, 2026

Statements

Income Statement

Bread Financial Holdings, Inc. (BFH) by the numbers: income statement, balance sheet and cash flow, by year or by quarter. In the most recent period (Q2 26), "Revenue" came in at 1,188 million USD. Tick rows to compare them in a chart.

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 in millions of USD.

Tick rows to compare them in a chart (up to 4)

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	1,886	1,828	1,879	1,822	1,912	2,106	1,382	1,397	1,423	2,056	1,334	1,349	1,438	1,461	1,382	979	1,051	1,110	1,085	1,012	1,099	939	921	1,009	1,123	1,228	1,289	1,157	1,250	1,255	1,239	1,180	1,223	1,156	1,195	1,149	1,181	1,174	1,211	1,188	4,754
Cost of Revenue	1,154	1,317	1,167	1,152	1,212	1,303	724	727	791	1,322	784	798	828	847	638	621	598	715	498	480	489	447	82	499	437	887	120	541	523	720	569	531	609	648	521	494	509	199	496	508	1,712
Gross Profit	732	511	712	670	701	803	658	670	632	734	550	550	610	614	744	359	453	395	587	532	610	492	933	510	686	341	1,335	616	727	535	670	649	614	508	674	655	672	975	715	680	3,042
Selling, General & Administrative	41	32	45	42	38	41	31	46	44	46	38	57	32	23	24	20	29	33	159	27	35	182	179	191	202	207	220	217	210	220	213	214	228	242	215	212	222	511	220	225	1,178
Total Operating Expenses	311	331	359	319	222	340	286	273	153	160	193	213	306	305	580	184	162	136	84	59	227	427	31	494	497	549	39	530	502	517	482	469	574	535	477	481	476	928	472	483	2,359
Operating Income	421	180	352	351	479	463	372	397	480	574	357	337	304	309	164	175	291	259	503	473	383	65	380	16	189	-208	856	86	225	18	188	180	40	-27	197	174	196	47	243	197	683
Interest Expense	55	59	64	72	74	73	44	42	37	70	38	39	26	27	28	26	25	29	109	100	92	84	79	95	133	195	218	205	219	238	248	241	240	231	225	220	210	199	193	195	797
Pre-Tax Income	313	62	227	214	334	306	241	263	343	397	213	194	164	167	25	47	176	146	394	372	291	65	302	16	189	-208	638	86	225	18	188	180	40	-27	197	174	196	47	243	197	683
Income Tax Expense	105	51	81	76	100	35	64	39	54	113	35	51	43	37	-4.6	8.6	43	53	108	98	67	4.0	91	4.0	55	-74	183	22	52	-26	53	47	37	-34	55	35	8.0	-6.0	62	51	115
Net Income	208	11	146	138	233	271	164	218	297	285	149	139	-108	98	30	38	133	12	286	274	224	17	210	12	134	-134	455	48	171	43	134	133	2.0	7.0	138	139	188	53	181	146	568
EBITDA	439	189	352	339	458	429	362	385	466	519	332	236	281	210	64	88	216	210	537	564	415	65	401	46	218	-175	890	121	248	42	211	203	62	-5.0	218	195	215	66	262	197	740

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 2, 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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