Bread Financial Inc.

BFH | NYSE

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$105.84

-$2.16 (-2.00%)

Sep 22, 2026, 1:22 PM ET · Market open

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Income Statement Balance Sheet Cashflow Statement Ratios

Annual Quarterly TTM

Fiscal Quarter Period Ending	Q2 2026 Jun 29, 2026	Q1 2026 Mar 30, 2026	Q4 2025 Dec 30, 2025	Q3 2025 Sep 29, 2025	Q2 2025 Jun 29, 2025	Q1 2025 Mar 30, 2025	Q4 2024 Dec 30, 2024	Q3 2024 Sep 29, 2024	Q2 2024 Jun 29, 2024	Q1 2024 Mar 30, 2024	Q4 2023 Dec 30, 2023	Q3 2023 Sep 29, 2023	Q2 2023 Jun 29, 2023	Q1 2023 Mar 30, 2023	Q4 2022 Dec 30, 2022	Q3 2022 Sep 29, 2022	Q2 2022 Jun 29, 2022	Q1 2022 Mar 30, 2022	Q4 2021 Dec 30, 2021	Q3 2021 Sep 29, 2021	Q2 2021 Jun 29, 2021	Q1 2021 Mar 30, 2021
Revenue	1.19B	1.21B	1.17B	1.18B	1.15B	1.2B	1.16B	1.22B	1.18B	1.24B	1.26B	1.25B	1.16B	1.51B	1.23B	1.12B	1.01B	1.01B	939M	1.1B	764M	1.08B
Cost of Revenue	508M	496M	199M	509M	494M	521M	648M	609M	531M	569M	720M	523M	541M	325M	887M	437M	499M	272M	447M	489.2M	596.2M	497.5M
Gross Profit	680M	715M	975M	672M	655M	674M	508M	614M	649M	670M	535M	727M	616M	1.19B	341M	686M	510M	740M	492M	610.1M	167.8M	587.4M
Operating Income	197M	243M	47M	196M	174M	197M	-27M	40M	180M	188M	18M	225M	86M	638M	-208M	189M	16M	302M	65M	382.8M	269.5M	503.1M
Interest Income	1.23B	1.26B	1.25B	1.24B	1.19B	1.23B	1.22B	1.28B	1.23B	1.3B	1.31B	1.3B	1.2B	1.34B	1.33B	1.22B	1.07B	1.07B	1.02B	n/a	915M	n/a
Pretax Income	197M	243M	47M	196M	174M	197M	-27M	40M	180M	188M	18M	225M	86M	638M	-208M	189M	16M	302M	65M	290.7M	354M	394.4M
Net Income	146M	181M	53M	188M	139M	138M	7M	2M	133M	134M	43M	171M	48M	455M	-134M	134M	12M	210M	17M	223.7M	274M	286.2M
Selling & General & Admin	225M	255M	555M	260M	246M	250M	290M	266M	247M	241M	266M	246M	257M	259M	263M	246M	241M	210M	182M	34.5M	197M	16.9M
Research & Development	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Other Expenses	258M	217M	373M	216M	235M	227M	245M	308M	222M	241M	251M	256M	273M	291M	286M	251M	253M	228M	245M	192.8M	-502.5M	67.4M
Operating Expenses	483M	472M	928M	476M	481M	477M	535M	574M	469M	482M	517M	502M	530M	550M	549M	497M	494M	438M	427M	227.3M	-305.5M	84.3M
Interest Expense	195M	193M	199M	210M	220M	225M	231M	240M	241M	248M	238M	219M	205M	218M	195M	133M	95M	79M	84M	92.1M	100M	108.7M
Selling & Marketing Expenses	n/a	35M	44M	38M	34M	35M	48M	38M	33M	28M	46M	36M	40M	39M	56M	44M	50M	31M	n/a	n/a	35M	n/a
Cost & Expenses	991M	968M	1.13B	985M	975M	998M	1.18B	1.18B	1B	1.05B	1.24B	1.03B	1.07B	875M	1.44B	934M	993M	710M	874M	716.5M	290.7M	581.8M
Income Tax Expense	51M	62M	-6M	8M	35M	55M	-34M	37M	47M	53M	-26M	52M	22M	183M	-74M	55M	4M	91M	4M	67M	91M	108.2M
Shares Outstanding (Basic)	39.9M	42.8M	44.9M	46.5M	46.7M	49M	49.6M	49.7M	49.6M	49.5M	49.3M	49.9M	50.1M	50M	49.9M	49.8M	49.8M	49.9M	49.8M	49.8M	49.7M	49.7M
Shares Outstanding (Diluted)	40.7M	43.2M	46M	47.5M	47.2M	49.6M	50.4M	51M	50.2M	49.7M	49.6M	50.1M	50.3M	50.1M	49.9M	49.9M	49.9M	50M	50M	50M	50M	49.8M
EPS (Basic)	3.61	4.18	1.18	4.04	2.98	2.81	0.14	0.04	2.68	2.71	0.87	3.43	0.96	9.10	-2.69	2.69	0.24	4.21	0.27	4.50	5.50	5.76
EPS (Diluted)	3.55	4.15	1.16	3.96	2.94	2.78	0.14	0.04	2.65	2.70	0.87	3.41	0.95	9.08	-2.69	2.69	0.24	4.20	0.27	4.47	5.47	5.74
EBITDA	197M	262M	66M	215M	195M	218M	-5M	62M	203M	211M	42M	248M	121M	672M	-175M	218M	46M	323M	65M	414.5M	199.3M	537.1M
EBIT	197M	243M	47M	196M	174M	197M	-27M	40M	180M	188M	18M	225M	86M	638M	-208M	189M	16M	302M	65M	382.8M	167.8M	503.1M
Depreciation & Amortization	n/a	19M	19M	19M	21M	21M	22M	22M	23M	23M	24M	23M	35M	34M	33M	29M	30M	21M	n/a	31.7M	31.5M	34M