Bread Financial Holdings, Inc. (BFH)
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-09-04
$110.87+1.91%
Close 2026-09-04 · 1-day change
NYSEFinancialsFinancial - Credit ServicesSnapshot 2026-09-04
QuarterlyIQ Insights · BFH
Income statement, balance sheet, and cash flow — annual and quarterly history, as reported.
Figures in millions of None, except per-share and ratios.
| TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenues | |||||||||||||||||
| Revenues | 4,981.0 | 4,912.0 | 5,024.0 | 5,145.0 | 4,684.0 | 3,868.0 | 4,521.4 | 5,581.3 | 5,666.6 | 5,474.7 | 5,013.2 | 6,439.7 | 5,302.9 | 4,319.1 | 3,641.4 | 3,173.3 | 2,791.4 |
| Total Revenues | 4,981.0 | 4,912.0 | 5,024.0 | 5,145.0 | 4,684.0 | 3,868.0 | 4,521.4 | 5,581.3 | 5,666.6 | 5,474.7 | 5,013.2 | 6,439.7 | 5,302.9 | 4,319.1 | 3,641.4 | 3,173.3 | 2,791.4 |
| Cost of Revenues | — | — | — | — | — | — | 2,077.3 | 2,687.8 | 2,537.2 | 2,469.5 | 2,600.3 | 3,814.4 | 3,218.8 | 2,549.2 | 2,106.6 | 1,811.9 | 1,545.4 |
| Operating Expenses & Income | |||||||||||||||||
| Operating Income | — | — | — | 968.0 | 300.0 | 1,044.0 | 301.0 | 662.0 | 1,757.3 | 1,517.9 | 1,149.9 | 1,261.8 | 1,098.4 | 1,098.9 | 974.4 | 812.7 | 629.2 |
| Earnings from Continuing Operations | |||||||||||||||||
| Interest Expense | — | — | — | 879.0 | 503.0 | 383.0 | 499.0 | 638.0 | 542.3 | 455.4 | 370.9 | 330.2 | 260.5 | 305.5 | 291.5 | 298.6 | 318.3 |
| Asset Writedown | — | — | — | — | 0.0 | 0.0 | 64.0 | 52.0 | — | — | — | — | — | — | — | — | — |
| EBT, Incl. Unusual Items | 684.0 | 615.0 | 381.0 | 968.0 | 300.0 | 1,044.0 | 301.0 | 662.0 | 1,215.0 | 1,062.5 | 837.0 | 931.6 | 837.9 | 793.4 | 682.9 | 514.1 | 310.9 |
| Income Tax Expense | 117.0 | 94.0 | 102.0 | 231.0 | 76.0 | 247.0 | 93.0 | 156.0 | 269.5 | 293.3 | 298.8 | 326.2 | 321.8 | 297.2 | 260.6 | 198.8 | 115.3 |
| Net Income | |||||||||||||||||
| Net Income | 568.0 | 518.0 | 277.0 | 718.0 | 223.0 | 801.0 | 214.0 | 278.0 | 963.1 | 788.7 | 517.6 | 605.4 | 516.1 | 496.2 | 422.3 | 315.3 | 193.7 |
| Per Share | |||||||||||||||||
| Basic EPS | 14.24 | 11.07 | 5.58 | 14.39 | 4.47 | 16.09 | 4.47 | 5.38 | 17.56 | 14.17 | 7.37 | 8.91 | 8.72 | 10.09 | 8.44 | 6.22 | 3.69 |
| Diluted EPS | 13.96 | 10.89 | 5.49 | 14.34 | 4.46 | 16.02 | 4.46 | 5.46 | 17.49 | 14.10 | 7.34 | 8.85 | 7.87 | 7.42 | 6.58 | 5.45 | 3.48 |
| Revenue per Share | 122.38 | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Dividend per Share | 0.90 | 0.86 | 0.84 | 0.84 | 0.84 | 0.84 | 1.26 | 2.52 | 0.57 | 0.52 | — | — | — | — | — | — | — |
| Basic Weighted Avg Shares | 39.9 | 46.8 | 49.6 | 49.8 | 49.9 | 49.7 | 47.8 | 50.0 | 54.9 | 55.7 | 58.6 | 61.9 | 56.4 | 49.2 | 50.0 | 50.7 | 52.5 |
| Diluted Weighted Avg Shares | 40.7 | 47.6 | 50.4 | 50.0 | 50.0 | 50.0 | 47.9 | 50.9 | 55.1 | 55.9 | 58.9 | 62.3 | 62.4 | 66.9 | 64.1 | 57.8 | 55.7 |
| Payout Ratio | 6.4% | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Supplemental | |||||||||||||||||
| EBITDA | — | — | — | 1,084.0 | 413.0 | 1,136.0 | 407.0 | 758.0 | 1,838.0 | 1,591.6 | 1,217.2 | 1,403.9 | 1,208.1 | 1,183.2 | 1,048.2 | 883.1 | 697.0 |
| EBIT | — | — | — | 968.0 | 300.0 | 1,044.0 | 301.0 | 662.0 | 1,757.3 | 1,517.9 | 1,149.9 | 1,261.8 | 1,098.4 | 1,098.9 | 974.4 | 812.7 | 629.2 |
| Effective Tax Rate | 17.1% | — | — | 23.9% | 25.3% | 23.7% | 30.9% | 23.6% | 22.2% | 27.6% | 35.7% | 35.0% | 38.4% | 37.5% | 38.2% | 38.7% | 37.1% |
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.