Bread Financial Holdings Inc
NYSE:BFH

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Bread Financial Holdings Inc Logo
Bread Financial Holdings Inc
NYSE:BFH
Watchlist
Price: 80.19 USD 1.53% Market Closed
Market Cap: $3.5B

Income Statement

Earnings Waterfall
Bread Financial Holdings Inc

Income Statement
Bread Financial Holdings Inc

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Income Statement
Currency: USD
Mar-2002 Jun-2002 Sep-2002 Dec-2002 Mar-2003 Jun-2003 Sep-2003 Dec-2003 Mar-2004 Jun-2004 Sep-2004 Dec-2004 Mar-2005 Jun-2005 Sep-2005 Dec-2005 Mar-2006 Jun-2006 Sep-2006 Dec-2006 Mar-2007 Jun-2007 Sep-2007 Dec-2007 Mar-2008 Jun-2008 Sep-2008 Dec-2008 Mar-2009 Jun-2009 Sep-2009 Dec-2009 Mar-2010 Jun-2010 Sep-2010 Dec-2010 Mar-2011 Jun-2011 Sep-2011 Dec-2011 Mar-2012 Jun-2012 Sep-2012 Dec-2012 Mar-2013 Jun-2013 Sep-2013 Dec-2013 Mar-2014 Jun-2014 Sep-2014 Dec-2014 Mar-2015 Jun-2015 Sep-2015 Dec-2015 Mar-2016 Jun-2016 Sep-2016 Dec-2016 Mar-2017 Jun-2017 Sep-2017 Dec-2017 Mar-2018 Jun-2018 Sep-2018 Dec-2018 Mar-2019 Jun-2019 Sep-2019 Dec-2019 Mar-2020 Jun-2020 Sep-2020 Dec-2020 Mar-2021 Jun-2021 Sep-2021 Dec-2021 Mar-2022 Jun-2022 Sep-2022 Dec-2022 Mar-2023 Jun-2023 Sep-2023 Dec-2023 Mar-2024 Jun-2024 Sep-2024 Dec-2024 Mar-2025 Jun-2025 Sep-2025 Dec-2025
Revenue
Interest Expense
27
23
22
20
19
20
17
15
0
0
0
10
0
0
0
18
10
22
34
47
56
65
74
80
81
77
0
80
48
65
104
145
196
246
292
318
307
302
292
299
293
287
287
291
308
319
318
306
291
270
258
261
271
289
309
330
351
374
400
429
455
489
526
455
457
453
445
542
559
569
572
638
422
406
381
499
350
322
298
383
270
265
307
503
641
751
837
879
910
946
967
960
937
916
886
854
Revenue
807
N/A
828
+3%
845
+2%
865
+2%
901
+4%
945
+5%
986
+4%
1 047
+6%
1 118
+7%
1 169
+4%
1 209
+3%
1 257
+4%
1 234
-2%
1 305
+6%
1 390
+7%
1 552
+12%
1 654
+7%
1 774
+7%
1 895
+7%
1 651
-13%
1 988
+20%
1 979
0%
1 965
-1%
1 962
0%
1 995
+2%
2 021
+1%
2 040
+1%
2 025
-1%
2 006
-1%
1 956
-2%
1 926
-2%
1 964
+2%
2 148
+9%
2 361
+10%
2 582
+9%
2 791
+8%
2 868
+3%
2 939
+2%
3 081
+5%
3 173
+3%
3 324
+5%
3 450
+4%
3 517
+2%
3 641
+4%
3 803
+4%
3 965
+4%
4 150
+5%
4 319
+4%
4 499
+4%
4 736
+5%
4 958
+5%
5 303
+7%
5 671
+7%
5 907
+4%
6 177
+5%
6 440
+4%
6 515
+1%
6 763
+4%
7 059
+4%
7 138
+1%
7 341
+3%
7 414
+1%
7 441
+0%
5 475
-26%
4 977
-9%
4 553
-9%
4 064
-11%
5 667
+39%
5 619
-1%
5 570
-1%
5 585
+0%
4 688
-16%
4 736
+1%
4 366
-8%
3 979
-9%
3 797
-5%
3 324
-12%
3 209
-3%
3 100
-3%
3 655
+18%
3 746
+2%
3 870
+3%
4 040
+4%
4 329
+7%
4 576
+6%
4 711
+3%
4 849
+3%
4 810
-1%
4 803
0%
4 824
+0%
4 756
-1%
4 643
-2%
4 583
-1%
4 538
-1%
4 487
-1%
4 496
+0%
Gross Profit
Cost of Revenue
(625)
(640)
(652)
(671)
(684)
(710)
(736)
(789)
(828)
(859)
(887)
(916)
(962)
(1 015)
(1 074)
(1 125)
(1 191)
(1 275)
(1 354)
(1 096)
(1 398)
(1 363)
(1 325)
(1 305)
(1 336)
(1 357)
(1 373)
(1 342)
(1 339)
(1 324)
(1 316)
(1 354)
(1 394)
(1 426)
(1 485)
(1 545)
(1 589)
(1 662)
(1 753)
(1 812)
(1 934)
(2 010)
(2 032)
(2 107)
(2 200)
(2 313)
(2 442)
(2 549)
(2 701)
(2 865)
(3 004)
(3 219)
(3 436)
(3 549)
(3 683)
(3 814)
(3 829)
(3 960)
(4 104)
(4 277)
(4 315)
(4 301)
(4 322)
(2 470)
(2 019)
(1 598)
(1 186)
(2 537)
(2 578)
(2 639)
(2 628)
(479)
(352)
(191)
(31)
(396)
32
443
844
(323)
(327)
(328)
(329)
(359)
(397)
(429)
(451)
(428)
(395)
(356)
(329)
(326)
(321)
(325)
(329)
(322)
Gross Profit
182
N/A
188
+4%
194
+3%
195
+0%
217
+12%
235
+8%
249
+6%
258
+3%
290
+13%
310
+7%
322
+4%
341
+6%
272
-20%
289
+7%
317
+9%
428
+35%
463
+8%
499
+8%
541
+8%
555
+2%
590
+6%
616
+4%
640
+4%
658
+3%
659
+0%
663
+1%
667
+0%
683
+3%
667
-2%
632
-5%
611
-3%
610
0%
755
+24%
935
+24%
1 097
+17%
1 246
+14%
1 279
+3%
1 278
0%
1 328
+4%
1 361
+2%
1 390
+2%
1 441
+4%
1 485
+3%
1 535
+3%
1 603
+4%
1 652
+3%
1 708
+3%
1 770
+4%
1 797
+2%
1 870
+4%
1 954
+4%
2 084
+7%
2 235
+7%
2 357
+5%
2 494
+6%
2 626
+5%
2 686
+2%
2 803
+4%
2 955
+5%
2 861
-3%
3 026
+6%
3 113
+3%
3 119
+0%
3 005
-4%
2 958
-2%
2 955
0%
2 878
-3%
3 129
+9%
3 041
-3%
2 931
-4%
2 957
+1%
4 209
+42%
4 384
+4%
4 175
-5%
3 949
-5%
3 401
-14%
3 356
-1%
3 652
+9%
3 945
+8%
3 332
-16%
3 419
+3%
3 542
+4%
3 711
+5%
3 970
+7%
4 179
+5%
4 282
+2%
4 398
+3%
4 382
0%
4 408
+1%
4 468
+1%
4 427
-1%
4 317
-2%
4 262
-1%
4 213
-1%
4 158
-1%
4 174
+0%
Operating Income
Operating Expenses
(124)
(124)
(122)
(120)
(126)
(129)
(129)
(127)
(130)
(137)
(143)
(169)
(180)
(187)
(197)
(191)
(189)
(200)
(212)
(181)
(222)
(222)
(217)
(208)
(209)
(205)
(208)
(219)
(222)
(223)
(226)
(225)
(290)
(390)
(476)
(617)
(596)
(563)
(556)
(549)
(537)
(539)
(546)
(560)
(590)
(610)
(642)
(671)
(708)
(767)
(818)
(1 003)
(1 094)
(1 213)
(1 319)
(1 314)
(1 405)
(1 487)
(1 505)
(1 596)
(1 750)
(1 796)
(1 742)
(1 487)
(1 402)
(1 361)
(1 285)
(1 362)
(1 270)
(1 199)
(1 273)
(2 909)
(3 135)
(3 749)
(3 663)
(2 601)
(2 745)
(2 761)
(2 995)
(1 905)
(2 085)
(2 551)
(2 748)
(3 167)
(3 127)
(3 056)
(3 050)
(2 759)
(2 981)
(2 921)
(3 052)
(2 987)
(2 946)
(2 913)
(2 721)
(2 634)
Selling, General & Administrative
(51)
(53)
(53)
(54)
(58)
(59)
(58)
(52)
(49)
(52)
(55)
(78)
(87)
(92)
(99)
(92)
(87)
(90)
(95)
(92)
(95)
(95)
(90)
(81)
(76)
(70)
(71)
(83)
(92)
(97)
(102)
(100)
(94)
(96)
(86)
(86)
(85)
(84)
(90)
(95)
(98)
(105)
(103)
(108)
(106)
(107)
(116)
(109)
(121)
(121)
(126)
(264)
(244)
(256)
(258)
(154)
(136)
(138)
(138)
(143)
(158)
(148)
(142)
(159)
(142)
(154)
(161)
(152)
(148)
(139)
(116)
(926)
(913)
(898)
(907)
(752)
(929)
(1 106)
(1 280)
(831)
(840)
(884)
(927)
(959)
(1 009)
(1 025)
(1 025)
(1 028)
(1 010)
(1 000)
(1 020)
(1 044)
(1 053)
(1 052)
(1 046)
(1 030)
Depreciation & Amortization
(73)
(72)
(70)
(67)
(68)
(70)
(71)
(75)
(81)
(84)
(88)
(91)
(93)
(95)
(98)
(100)
(102)
(110)
(118)
(89)
(126)
(127)
(128)
(127)
(133)
(135)
(136)
(136)
(130)
(127)
(124)
(125)
(130)
(133)
(140)
(143)
(144)
(146)
(151)
(153)
(156)
(160)
(158)
(167)
(181)
(195)
(208)
(216)
(237)
(258)
(280)
(313)
(361)
(408)
(456)
(492)
(499)
(506)
(510)
(512)
(509)
(504)
(502)
(188)
(112)
(35)
40
(194)
(191)
(185)
(181)
(96)
(88)
(88)
(83)
(106)
(92)
(73)
(56)
(92)
(88)
(96)
(102)
(113)
(126)
(131)
(125)
(116)
(105)
(93)
(92)
(90)
(88)
(85)
(83)
(80)
Other Operating Expenses
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
(66)
(161)
(250)
(388)
(368)
(333)
(314)
(300)
(282)
(274)
(285)
(286)
(303)
(308)
(318)
(346)
(350)
(389)
(412)
(425)
(490)
(548)
(605)
(668)
(770)
(842)
(857)
(941)
(1 084)
(1 144)
(1 097)
(1 140)
(1 148)
(1 172)
(1 164)
(1 016)
(931)
(876)
(977)
(1 887)
(2 134)
(2 764)
(2 674)
(1 743)
(1 724)
(1 583)
(1 660)
(982)
(1 157)
(1 571)
(1 719)
(2 095)
(1 992)
(1 900)
(1 900)
(1 615)
(1 866)
(1 828)
(1 940)
(1 853)
(1 805)
(1 776)
(1 592)
(1 524)
Operating Income
58
N/A
64
+11%
72
+11%
75
+4%
91
+23%
107
+17%
121
+13%
131
+9%
160
+23%
173
+8%
179
+3%
172
-4%
91
-47%
103
+12%
120
+17%
237
+98%
274
+16%
300
+9%
329
+10%
373
+13%
369
-1%
394
+7%
422
+7%
450
+6%
450
+0%
459
+2%
459
N/A
465
+1%
445
-4%
408
-8%
384
-6%
385
+0%
464
+21%
544
+17%
621
+14%
629
+1%
683
+9%
714
+5%
772
+8%
813
+5%
853
+5%
902
+6%
939
+4%
974
+4%
1 013
+4%
1 042
+3%
1 066
+2%
1 099
+3%
1 090
-1%
1 103
+1%
1 136
+3%
1 082
-5%
1 141
+5%
1 144
+0%
1 175
+3%
1 312
+12%
1 282
-2%
1 317
+3%
1 450
+10%
1 266
-13%
1 276
+1%
1 316
+3%
1 377
+5%
1 518
+10%
1 557
+3%
1 594
+2%
1 593
0%
1 768
+11%
1 771
+0%
1 732
-2%
1 683
-3%
1 300
-23%
1 249
-4%
426
-66%
286
-33%
800
+180%
611
-24%
890
+46%
949
+7%
1 427
+50%
1 334
-7%
991
-26%
963
-3%
803
-17%
1 052
+31%
1 226
+17%
1 348
+10%
1 623
+20%
1 427
-12%
1 547
+8%
1 375
-11%
1 330
-3%
1 316
-1%
1 300
-1%
1 437
+11%
1 540
+7%
Pre-Tax Income
Interest Income Expense
(36)
(38)
(33)
(32)
(33)
(29)
(21)
(18)
(15)
(10)
(9)
(8)
(7)
(8)
(10)
(15)
(20)
(28)
(36)
(41)
(48)
(57)
(64)
(69)
(71)
(66)
(71)
(80)
(95)
(115)
(130)
(145)
(196)
(246)
(292)
(318)
(307)
(302)
(292)
(299)
(293)
(287)
(287)
(292)
(308)
(319)
(318)
(306)
(291)
(270)
(258)
(244)
(271)
(289)
(309)
(316)
(351)
(374)
(400)
(429)
(458)
(501)
(540)
(455)
(476)
(465)
(454)
(553)
(580)
(588)
(591)
(638)
(1 059)
(406)
(381)
(499)
(107)
(207)
(298)
(383)
(355)
(350)
(392)
(503)
(411)
(521)
(607)
(655)
(910)
(941)
(958)
(949)
(926)
(907)
(881)
(851)
Non-Reccuring Items
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
(6)
(8)
(28)
(31)
(28)
(24)
(4)
(1)
2
(0)
23
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
(65)
(65)
0
0
0
0
0
0
0
0
0
0
0
0
(8)
(30)
(157)
0
(143)
(119)
8
0
0
0
0
0
0
0
0
0
(6)
0
0
0
0
5
9
0
0
(9)
(16)
(74)
Total Other Income
(5)
(6)
(6)
(1)
0
(4)
(4)
(4)
(4)
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
427
427
427
0
139
266
381
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Pre-Tax Income
17
N/A
21
+23%
33
+58%
42
+27%
58
+38%
74
+28%
95
+29%
109
+15%
141
+29%
163
+16%
171
+5%
164
-4%
84
-49%
94
+12%
110
+17%
222
+102%
254
+14%
272
+7%
293
+8%
333
+14%
320
-4%
330
+3%
350
+6%
352
+1%
349
-1%
366
+5%
364
0%
380
+4%
349
-8%
295
-15%
254
-14%
263
+4%
268
+2%
298
+11%
329
+10%
311
-6%
376
+21%
412
+10%
480
+16%
514
+7%
561
+9%
615
+10%
652
+6%
683
+5%
705
+3%
723
+3%
748
+3%
793
+6%
799
+1%
833
+4%
878
+5%
838
-5%
870
+4%
856
-2%
801
-6%
932
+16%
931
0%
943
+1%
1 050
+11%
837
-20%
819
-2%
816
0%
837
+3%
1 063
+27%
1 080
+2%
1 130
+5%
1 139
+1%
1 215
+7%
1 183
-3%
1 114
-6%
935
-16%
662
-29%
474
-28%
328
-31%
339
+4%
301
-11%
643
+113%
950
+48%
1 033
+9%
1 044
+1%
979
-6%
641
-35%
571
-11%
300
-47%
635
+112%
705
+11%
741
+5%
968
+31%
517
-47%
611
+18%
426
-30%
381
-11%
390
+2%
384
-2%
540
+41%
615
+14%
Net Income
Tax Provision
(17)
(18)
(18)
(18)
(24)
(29)
(37)
(42)
(54)
(62)
(65)
(62)
(65)
(68)
(74)
(83)
(96)
(103)
(112)
(126)
(122)
(126)
(133)
(137)
(136)
(143)
(144)
(148)
(136)
(116)
(88)
(86)
(88)
(99)
(122)
(115)
(141)
(155)
(182)
(199)
(216)
(236)
(247)
(261)
(269)
(274)
(286)
(297)
(296)
(307)
(320)
(322)
(325)
(320)
(300)
(326)
(331)
(332)
(363)
(319)
(314)
(314)
(309)
(293)
(278)
(241)
(195)
(299)
(269)
(281)
(269)
(186)
(147)
(104)
(104)
(95)
(199)
(281)
(291)
(255)
(247)
(160)
(162)
(76)
(168)
(186)
(183)
(231)
(101)
(126)
(111)
(102)
(105)
(93)
(64)
(94)
Income from Continuing Operations
0
3
15
24
34
45
58
67
87
101
106
102
20
26
36
139
158
168
181
206
198
205
217
214
212
223
220
233
213
179
166
177
180
199
207
196
235
257
298
315
344
379
404
422
436
449
462
496
503
526
558
516
545
536
502
605
600
610
687
518
505
502
528
769
803
889
944
916
914
833
666
476
328
224
236
206
444
669
741
789
732
481
409
224
467
519
558
737
416
485
315
279
285
291
476
521
Income to Minority Interest
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
2
(0)
(1)
(25)
(44)
(41)
(42)
(54)
(54)
(123)
(121)
(85)
(68)
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Net Income (Common)
(2)
N/A
3
N/A
15
+432%
24
+59%
34
+44%
45
+31%
58
+30%
67
+16%
87
+30%
101
+16%
106
+5%
102
-3%
20
-81%
26
+33%
36
+38%
139
+287%
158
+14%
168
+7%
181
+8%
190
+5%
190
+0%
189
0%
170
-10%
164
-3%
157
-5%
159
+2%
195
+22%
206
+6%
185
-10%
167
-10%
148
-11%
144
-3%
163
+13%
180
+11%
188
+4%
194
+3%
234
+21%
255
+9%
296
+16%
315
+6%
344
+9%
379
+10%
404
+7%
422
+4%
436
+3%
449
+3%
462
+3%
496
+7%
505
+2%
526
+4%
557
+6%
492
-12%
501
+2%
495
-1%
460
-7%
552
+20%
545
-1%
487
-11%
566
+16%
432
-24%
438
+1%
502
+15%
528
+5%
789
+49%
806
+2%
886
+10%
950
+7%
963
+1%
948
-2%
862
-9%
457
-47%
269
-41%
150
-44%
57
-62%
299
+424%
214
-28%
470
+120%
706
+50%
796
+13%
801
+1%
725
-9%
463
-36%
373
-19%
223
-40%
467
+109%
503
+8%
540
+7%
718
+33%
396
-45%
481
+21%
312
-35%
277
-11%
280
+1%
286
+2%
472
+65%
518
+10%
EPS (Diluted)
-0.03
N/A
0.03
N/A
0.19
+533%
0.31
+63%
0.44
+42%
0.58
+32%
0.7
+21%
0.84
+20%
1.07
+27%
1.22
+14%
1.27
+4%
1.22
-4%
0.22
-82%
0.3
+36%
0.42
+40%
1.64
+290%
1.93
+18%
2.04
+6%
2.22
+9%
2.32
+5%
2.34
+1%
2.35
+0%
2.1
-11%
2.03
-3%
1.94
-4%
2.02
+4%
2.79
+38%
2.8
+0%
2.99
+7%
2.89
-3%
2.69
-7%
2.49
-7%
2.93
+18%
3.17
+8%
3.4
+7%
3.47
+2%
4.23
+22%
4.39
+4%
5.05
+15%
5.45
+8%
5.56
+2%
5.94
+7%
6.22
+5%
6.58
+6%
6.47
-2%
6.57
+2%
7
+7%
7.42
+6%
7.63
+3%
8.39
+10%
9.29
+11%
7.87
-15%
7.88
+0%
7.95
+1%
7.43
-7%
8.85
+19%
9.05
+2%
8.25
-9%
9.69
+17%
7.34
-24%
7.71
+5%
9
+17%
9.49
+5%
14.1
+49%
14.52
+3%
15.99
+10%
17.26
+8%
17.47
+1%
17.82
+2%
17.84
+0%
9.36
-48%
5.28
-44%
3.14
-41%
1.19
-62%
6.25
+425%
4.46
-29%
9.43
+111%
14.11
+50%
15.92
+13%
16.02
+1%
14.5
-9%
9.27
-36%
7.47
-19%
4.46
-40%
9.32
+109%
10
+7%
10.77
+8%
14.36
+33%
7.96
-45%
9.58
+20%
6.11
-36%
5.49
-10%
5.64
+3%
6.05
+7%
9.93
+64%
10.88
+10%
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