Bread Financial Holdings, Inc. (BFH) — Financial statements
Income statement, balance sheet, and cash flow for Bread Financial Holdings, Inc. — annual and quarterly history with growth and margin analysis.
| Metric (USD Millions) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
| Revenue & Gross Profit | ||||||
| Revenue | 4,699↓2.1% | 4,798↓7.3% | 5,174↑18.3% | 4,373↑33.7% | 3,270 | |
| Cost of Revenue | 1,723↓26.9% | 2,357↑11.8% | 2,108↑0.5% | 2,097↑31.6% | 1,593 | |
| Gross Profit | 2,976↑21.9% | 2,441↓20.4% | 3,066↑34.7% | 2,276↑10.4% | 2,062 | |
| Operating Expenses | ||||||
| R&D Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| General & Administrative Expenses | 1,160↑29.3% | 897↑3.5% | 867↑11.3% | 779↑16.1% | 671 | |
| Selling & Marketing Expenses | 151↑2.7% | 147↓8.7% | 161↓10.6% | 180↑12.5% | 160 | |
| SG&A Expenses | 1,311↑25.6% | 1,044↑1.6% | 1,028↑7.2% | 959↑15.4% | 831 | |
| Other Expenses | 1,051↑3.4% | 1,016↓5.0% | 1,070↑5.2% | 1,017↑613.6% | -198 | |
| Operating Expenses | 2,362↑14.7% | 2,060↓1.8% | 2,098↑6.2% | 1,976↑212.2% | 633 | |
| Total Costs & Expenses | 4,085↓7.5% | 4,417↑5.0% | 4,206↑3.3% | 4,073↑83.0% | 2,226 | |
| Operating Results | ||||||
| Operating Income | 614↑61.2% | 381↓60.6% | 968↑222.7% | 300↓71.3% | 1,044 | |
| Depreciation & Amortization | 80↓11.1% | 90↓22.4% | 116↑2.7% | 113↓8.1% | 123 | |
| EBITDA | 694↑47.3% | 471↓56.5% | 1,084↑162.5% | 413↓64.6% | 1,167 | |
| EBIT | 614↑61.2% | 381↓60.6% | 968↑222.7% | 300↓71.3% | 1,044 | |
| Interest & Other Income | ||||||
| Net Interest Income | 4,059↓0.1% | 4,064↓4.7% | 4,266↑2.0% | 4,181↑20.0% | 3,485 | |
| Interest Income | 4,913↓2.2% | 5,024↓2.4% | 5,145↑9.8% | 4,684↑21.1% | 3,868 | |
| Interest Expense | 854↓11.0% | 960↑9.2% | 879↑74.8% | 503↑31.3% | 383 | |
| Non-Operating Income | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Other Income / Expenses | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | |
| Income Before Tax | 614↑61.2% | 381↓60.6% | 968↑222.7% | 300↓71.3% | 1,044 | |
| Income Tax Expense | 92↓9.8% | 102↓55.8% | 231↑203.9% | 76↓69.2% | 247 | |
| Net Income & EPS | ||||||
| Net Income from Continuing Operations | 522↑87.1% | 279↓62.1% | 737↑229.0% | 224↓71.9% | 797 | |
| Net Income from Discontinued Operations | -4↓100.0% | -2↑89.5% | -19↓1800.0% | -1↓125.0% | 4 | |
| Net Income | 518↑87.0% | 277↓61.4% | 718↑222.0% | 223↓72.2% | 801 | |
| Bottom-Line Net Income | 518↑87.0% | 277↓61.4% | 718↑222.0% | 223↓72.2% | 801 | |
| EPS (Basic) | 11.13↑99.5% | 5.58↓61.3% | 14.42↑222.6% | 4.47↓72.3% | 16.12 | |
| EPS (Diluted) | 10.96↑99.3% | 5.50↓61.7% | 14.36↑222.0% | 4.46↓72.2% | 16.02 | |
| Weighted Average Shares | 45↓9.5% | 50↓0.4% | 50↓0.2% | 50↑0.4% | 50 | |
| Weighted Average Diluted Shares | 46↓8.7% | 50↑0.8% | 50↑0.0% | 50↑0.0% | 50 | |
* All figures in Millions of USD, except per share data. Growth rates calculated Year-over-Year (YoY). Data source: SEC Filings.