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Bread Financial Holdings Inc $BFH

Financials

Russell 2000 Ohio Just reported
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$108.63
+4.02 (+3.84%)
As of Oct 22, 2026, 8:34 AM EDT
Price history
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Bread Financial Holdings Inc (BFH) is trading up at $108.63 (+3.84%), as of the latest quote. It is a Russell 2000 constituent in the Financials sector.

Bread Financial Holdings Inc revenue & net income history (FY2016–FY2025)

RevenueNet incomeNet margin (right axis, %)
$7.14B$3.57B$0FY2016 revenue: $7.14BFY2016 net income: $515.8M · Net margin 7.2%'16FY2017 revenue: $5.47BFY2017 net income: $788.7M · Net margin 14.4%'17FY2018 revenue: $5.67BFY2018 net income: $963.1M · Net margin 17.0%'18FY2019 revenue: $4.05BFY2019 net income: $278.0M · Net margin 6.9%'19FY2020 revenue: $3.30BFY2020 net income: $214.0M · Net margin 6.5%'20FY2021 revenue: $3.27BFY2021 net income: $801.0M · Net margin 24.5%'21FY2022 revenue: $3.83BFY2022 net income: $223.0M · Net margin 5.8%'22FY2023 revenue: $4.29BFY2023 net income: $718.0M · Net margin 16.7%'23FY2024 revenue: $3.84BFY2024 net income: $277.0M · Net margin 7.2%'24FY2025 revenue: $3.85BFY2025 net income: $518.0M · Net margin 13.5%'250%10%20%30%FY2016 net margin: 7.2%FY2017 net margin: 14.4%FY2018 net margin: 17.0%FY2019 net margin: 6.9%FY2020 net margin: 6.5%FY2021 net margin: 24.5%FY2022 net margin: 5.8%FY2023 net margin: 16.7%FY2024 net margin: 7.2%FY2025 net margin: 13.5%
Bread Financial Holdings Inc annual financial statements
FY2016Dec 2016FY2017Dec 2017FY2018Dec 2018FY2019Dec 2019FY2020Dec 2020FY2021Dec 2021FY2022Dec 2022FY2023Dec 2023FY2024Dec 2024FY2025Dec 2025
Income statement
Revenue$7.14B$5.47B$5.67B$4.05B$3.30B$3.27B$3.83B$4.29B$3.84B$3.85B
Growth (year over year)+10.8%−23.3%+3.5%−28.5%−18.6%−0.8%+16.9%+12.1%−10.5%+0.2%
Gross profit$2.86B$3.01B$3.13B$1.36B$1.22B—————
Gross margin40.1%54.9%55.2%33.6%37.0%—————
Operating income$1.27B$1.52B$1.76B$662.0M$301.0M—————
Operating margin17.7%27.7%31.0%16.3%9.1%—————
Net income$515.8M$788.7M$963.1M$278.0M$214.0M$801.0M$223.0M$718.0M$277.0M$518.0M
Net margin7.2%14.4%17.0%6.9%6.5%24.5%5.8%16.7%7.2%13.5%
EPS (diluted)$7.34$14.10$17.49$5.46$4.46$16.02$4.46$14.34$5.49$10.89
Balance sheet
Cash and equivalents$1.86B$4.19B$3.82B$3.87B$2.80B$3.05B$3.89B$3.59B$3.68B$3.60B
Total assets$25.5B$30.7B$30.4B$26.5B$22.5B$21.7B$25.4B$23.1B$22.9B$22.7B
Total liabilities$23.9B$28.8B$28.1B$24.9B$21.0B$19.7B$23.1B$20.2B$19.8B$19.3B
Long-term debt$4.79B$5.95B$5.59B$2.85B$2.81B$7.44B$8.01B$5.29B$5.56B$4.31B
Shareholders' equity$1.66B$1.86B$2.33B$1.59B$1.52B$2.09B$2.27B$2.92B$3.05B$3.33B
Cash flow
Operating cash flow$2.13B$2.60B$2.75B$1.22B$1.88B$1.54B$1.85B$1.99B$1.86B$2.09B
Capital expenditure$207.0M$225.4M$199.8M$142.0M$54.0M$84.0M$68.0M———
Free cash flow$1.92B$2.37B$2.56B$1.08B$1.83B$1.46B$1.78B———
Dividends paid$30.0M$115.5M$125.2M$127.0M$61.0M$42.0M$43.0M$42.0M$43.0M$40.0M
Share buybacks$798.8M$553.7M$443.2M$976.0M—$0$12.0M$35.0M$55.0M$313.0M

From Bread Financial Holdings Inc's 10-K and 10-Q filings with the SEC; its fiscal year ends in December. Each period shows the latest figure the company has reported for it, including restatements. Net margin is our own calculation from those reported figures (net income ÷ revenue); it is left blank where revenue is zero or missing. † Quarter derived from the company's year-to-date or full-year totals. Filings on SEC EDGAR →

About Bread Financial Holdings Inc

Bread Financial Holdings, Inc. is an American publicly traded provider of private label credit cards, coalition loyalty programs, and direct marketing, derived from the capture and analysis of transaction-rich data.

Source: Wikipedia — Bread Financial

Headquarters
Columbus, Ohio From SEC filings, Oct 2026

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