Bread Financial Holdings, Inc.

Financial Services · Credit Services

108.20$ +0.3% vs. previous close Closing price · As of: Sep 17, 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 (2025), "Revenue" came in at 4,699 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

Download as CSV

All figures in millions of USD.

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

Income Statement BFH
Line item	1998	1999	2000	2001	2002	2003	2004	2005	2006	2007	2008	2009	2010	2011	2012	2013	2014	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Revenue	411	583	678	774	865	1,047	1,260	1,556	1,657	1,962	2,025	1,964	2,791	3,173	3,641	4,319	5,303	6,440	7,138	5,475	5,667	3,348	3,298	3,270	3,826	4,289	3,838	4,699
Cost of Revenue	–	467	548	603	671	789	926	1,143	1,143	1,374	1,422	1,499	1,864	2,110	2,398	2,855	3,479	4,145	4,705	2,925	3,080	3,257	2,571	1,593	1,594	1,229	1,397	1,723
Gross Profit	411	116	130	170	195	258	334	413	514	588	603	465	928	1,063	1,243	1,464	1,824	2,295	2,433	2,550	2,587	2,325	1,950	1,677	2,232	3,060	2,441	2,976
Research & Development	–	–	–	–	–	–	–	–	–	–	–	–	–	–	30	–	–	–	–	–	–	–	–	–	–	–	–	–
Selling, General & Administrative	–	–	–	45	56	54	78	92	92	81	83	100	86	95	108	109	142	139	143	159	163	721	609	671	779	867	897	1,160
Total Operating Expenses	405	114	108	120	120	127	162	177	141	167	142	58	298	250	269	365	725	1,033	1,167	1,032	830	-1,216	-162	633	180	1,467	3,838	2,362
Operating Income	5.5	2.5	22	51	74	131	172	237	373	421	461	408	629	813	974	1,099	1,098	1,262	1,266	1,518	1,757	1,307	888	1,044	802	1,593	279	614
Interest Expense	–	–	–	30	21	17	7.0	14	48	80	64	117	134	149	173	181	132	180	218	174	156	638	499	383	503	879	960	854
Pre-Tax Income	5.5	-40	-19	-0.7	42	109	164	222	333	352	380	263	311	514	683	793	838	932	837	1,063	1,215	662	301	1,044	300	968	381	614
Income Tax Expense	–	-10	1.8	9.7	18	42	62	83	126	137	148	86	115	199	261	297	322	326	319	293	270	156	93	247	76	231	102	92
Net Income	-18	-30	-21	-10	24	67	102	139	190	164	206	144	194	315	422	496	506	597	516	789	963	278	214	801	223	718	277	518
EBITDA	49	2.5	98	125	141	205	257	322	458	547	528	366	454	667	850	1,010	1,151	1,488	1,349	1,560	1,702	994	549	1,167	915	1,084	1,431	694

Data as of: September 17, 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.

Was this page helpful to you?

Income Statement

Cookie settings