Bread Financial Inc.

BFH | NYSE

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$105.98

-$2.02 (-1.87%)

Sep 22, 2026, 11:55 AM ET · Market open

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Income Statement Balance Sheet Cashflow Statement Ratios

Annual Quarterly TTM

Fiscal Year Period Ending	FY 2025 Dec 30, 2025	FY 2024 Dec 30, 2024	FY 2023 Dec 30, 2023	FY 2022 Dec 30, 2022	FY 2021 Dec 30, 2021	FY 2020 Dec 30, 2020
Revenue	4.7B	4.8B	5.17B	4.37B	3.27B	3.3B
Cost of Revenue	1.72B	2.36B	2.11B	2.1B	1.59B	2.57B
Gross Profit	2.98B	2.44B	3.07B	2.28B	1.68B	1.95B
Operating Income	614M	381M	968M	300M	1.04B	888.4M
Interest Income	4.91B	5.02B	5.15B	4.68B	3.87B	3.95B
Pretax Income	614M	381M	968M	300M	1.04B	301M
Net Income	518M	277M	718M	223M	801M	214M
Selling & General & Admin	1.31B	1.04B	1.03B	959M	831M	752M
Research & Development	n/a	n/a	n/a	n/a	n/a	n/a
Other Expenses	1.05B	1.02B	1.07B	1.02B	-198M	-913.6M
Operating Expenses	2.36B	2.06B	2.1B	1.98B	633M	-161.6M
Interest Expense	854M	960M	879M	503M	383M	499M
Selling & Marketing Expenses	151M	147M	161M	180M	160M	143M
Cost & Expenses	4.09B	4.42B	4.21B	4.07B	2.23B	2.41B
Income Tax Expense	92M	102M	231M	76M	247M	93M
Shares Outstanding (Basic)	44.9M	49.6M	49.8M	49.9M	49.7M	47.8M
Shares Outstanding (Diluted)	46M	50.4M	50M	50M	50M	47.9M
EPS (Basic)	11.13	5.58	14.42	4.47	16.12	4.47
EPS (Diluted)	10.96	5.50	14.36	4.46	16.02	4.46
EBITDA	694M	471M	1.08B	413M	1.17B	549M
EBIT	614M	381M	968M	300M	1.04B	365M
Depreciation & Amortization	80M	90M	116M	113M	123M	184M