Bread Financial Holdings, Inc. (BFH.PA) income statement

BFH.PANYSEPersonal Credit InstitutionsFiscal year ends December 31Also trades as BFH, BFH.PB

Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Oct 27, 2026Score 15/309% below fair value

$24.05−0.13 (-0.54%)

Close on Oct 30, 2026Market cap $3.97BP/E 8.1Yield 0.83%

Bread Financial Holdings, Inc. income statement

Millions of USD, except per-share data. Shares in millions.

Line item	TTM Q2 2026 2026-06-30	TTM Q1 2026 2026-03-31	TTM FY 2025 2025-12-31	TTM Q3 2025 2025-09-30	TTM Q2 2025 2025-06-30	TTM Q1 2025 2025-03-31	TTM FY 2024 2024-12-31	TTM Q3 2024 2024-09-30	TTM Q2 2024 2024-06-30	TTM Q1 2024 2024-03-31	TTM FY 2023 2023-12-31	TTM Q3 2023 2023-09-30	TTM Q2 2023 2023-06-30	TTM Q1 2023 2023-03-31	TTM FY 2022 2022-12-31	TTM Q3 2022 2022-09-30	TTM Q2 2022 2022-06-30	TTM Q1 2022 2022-03-31	TTM FY 2021 2021-12-31	TTM Q3 2021 2021-09-30	TTM Q2 2021 2021-06-30	TTM Q1 2021 2021-03-31	TTM FY 2020 2020-12-31	TTM Q3 2020 2020-09-30	TTM Q2 2020 2020-06-30	TTM Q1 2020 2020-03-31	TTM FY 2019 2019-12-31	TTM Q3 2019 2019-09-30	TTM Q2 2019 2019-06-30	TTM Q1 2019 2019-03-31	TTM FY 2018 2018-12-31	TTM Q3 2018 2018-09-30	TTM Q2 2018 2018-06-30	TTM FY 2017 2017-12-31	TTM FY 2016 2016-12-31	TTM Q3 2016 2016-09-30	TTM Q2 2016 2016-06-30	TTM Q1 2016 2016-03-31	TTM FY 2015 2015-12-31	TTM Q3 2015 2015-09-30
Revenue	3,957	3,893	3,845	3,795	3,807	3,817	3,838	3,929	3,977	3,990	4,289	4,305	4,253	4,194	3,826	3,649	3,521	3,392	3,272	3,527	3,726	3,942	3,298	4,873	5,260	5,629	4,050	5,585	5,570	5,619	5,667	6,308	6,798	5,475	7,138	7,059	6,763	6,515	6,440	6,177
Cost of Revenue	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	2,084	2,077	2,076	2,077	2,180	2,385	2,547	2,688	2,681	2,647	2,586	2,537	2,986	3,399	2,470	4,277	4,104	3,960	3,828	3,814	3,683
Gross Profit	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	1,443	1,649	1,866	1,221	2,693	2,875	3,082	1,362	2,904	2,923	3,033	3,129	3,322	3,399	3,005	2,861	2,955	2,803	2,686	2,625	2,493
General & Administrative	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	111	106	99	106	97	99	136	151	169	180	170	163	156	150	159	143	138	138	136	139	152
Total Costs & Expenses	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	2,689	2,732	2,997	3,633	3,934	4,308	4,514	4,274	4,078	3,888	3,877	3,909	4,597	5,087	3,957	5,873	5,609	5,446	5,233	5,178	5,066
Operating Income	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	1,618	1,526	1,228	301	939	952	1,115	662	1,507	1,683	1,742	1,757	1,712	1,711	1,518	1,266	1,450	1,316	1,282	1,262	1,110
Interest Expense	–	–	–	–	–	–	–	–	–	910	879	837	751	641	503	392	350	355	383	411	435	462	499	523	548	564	638	572	569	559	542	554	563	455	429	400	374	351	330	309
Income from Equity Investments	–	–	–	–	–	–	0	-1.00	-1.00	-1.00	-6.00	-6.00	-17	-38	-44	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–
Merger & Restructuring Charges	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	118	–	–	–	–	–	–	–	–	–	–	–	–	–
Asset Impairment Charges	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	0	0	0	30	30	64	64	–	–	–	52	–	–	–	–	–	–	–	–	–	–	–	–	–
Gain (Loss) on Sale of Assets	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	14	–	–	–	512	–	–	–	–	–	–	–	–	–	–	–	–	–
Pretax Income	683	660	615	540	384	390	381	426	611	517	968	741	705	635	300	571	641	979	1,044	1,126	1,043	736	301	416	404	551	662	935	1,114	1,183	1,215	1,158	1,148	1,063	837	1,050	942	931	932	801
Income Tax Expense	115	99	94	64	93	105	102	111	126	101	231	183	186	168	76	154	152	239	247	296	286	203	93	84	84	126	156	240	251	239	270	194	240	293	319	363	332	331	326	300
Income from Continuing Operations	568	561	521	476	291	285	279	315	485	416	737	558	519	467	224	417	489	740	797	830	758	533	208	332	320	424	506	695	862	944	946	–	–	–	–	–	–	–	–	–
Income from Discontinued Operations	1.00	1.00	-3.00	-4.00	-5.00	-5.00	-2.00	-3.00	-4.00	-20	-19	-18	-16	0	-1.00	-43	-25	-14	4.00	-34	–	–	6.00	–	–	–	-228	-230	7.10	4.50	18	–	–	–	–	–	–	–	–	–
Net Income incl. Noncontrolling Interests	–	–	–	–	–	–	–	–	–	–	–	–	–	–	223	375	464	725	801	795	706	470	214	299	58	159	278	465	870	948	963	950	886	789	518	687	610	599	605	502
Net Income	569	562	518	472	286	280	277	312	481	396	718	540	503	467	223	374	464	726	801	796	705	470	214	299	58	159	278	465	870	948	963	–	–	–	–	–	–	–	–	–
Preferred Dividends	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	3.00	–	–	–	–	–	–	–	–	–	–	–	–	–
Net Income to Common	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	374	464	726	801	796	706	470	214	299	57	154	269	461	866	948	963	950	886	789	516	680	600	591	597	490
EPS (Basic)(per share)	13.05	12.40	11.07	9.96	5.97	5.69	5.58	6.32	9.71	7.97	14.39	10.80	10.05	9.35	4.47	7.52	9.33	14.58	16.09	16.01	14.30	9.61	4.47	6.26	1.25	3.09	5.38	8.52	16.15	17.44	17.56	17.22	16.02	14.17	7.37	9.52	8.05	8.93	8.91	7.42
EPS (Diluted)(per share)	12.83	12.22	10.89	9.82	5.91	5.63	5.49	6.28	9.65	7.94	14.34	10.77	10.04	9.34	4.46	7.50	9.28	14.50	16.02	15.93	14.25	9.59	4.46	6.28	1.36	3.19	5.46	8.56	16.08	17.37	17.49	17.15	15.96	14.10	7.34	9.49	8.02	8.89	8.85	7.37
Shares Outstanding (Basic, Weighted)(shares)	44	45	47	48	49	49	50	50	50	50	50	50	50	50	50	50	50	50	50	49	49	48	48	47	48	49	50	52	53	54	55	55	55	56	59	60	60	61	62	62
Shares Outstanding (Diluted, Weighted)(shares)	44	46	48	49	50	50	50	50	50	50	50	50	50	50	50	50	50	50	50	50	49	48	48	48	48	50	51	53	54	54	55	55	56	56	59	60	61	61	62	62
Dividend per Share(per share)	0.90	0.88	0.86	0.84	0.84	0.84	0.84	0.84	0.84	0.84	0.84	0.84	0.84	0.84	0.84	0.84	0.84	0.84	0.84	0.84	0.84	0.84	1.26	3.57	3.99	4.41	2.52	2.46	2.40	2.34	0.57	2.23	2.18	0.52	0.52	–	–	–	–	–
EBITDA	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	1,761	1,686	1,407	485	1,102	1,095	1,235	911	1,786	1,963	2,022	2,245	1,997	2,100	2,016	1,778	1,960	1,823	1,781	1,754	1,566
Total Interest Income	4,982	4,942	4,912	4,885	4,920	4,954	5,024	5,118	5,142	5,111	5,145	5,158	5,075	4,951	4,684	4,376	4,152	3,994	3,868	6,793	5,803	4,891	3,952	4,827	4,827	4,827	4,827	12	12	12	12	–	–	–	–	–	–	–	–	–
Net Interest Income	4,185	4,120	4,058	3,999	4,004	4,017	4,064	4,151	4,196	4,201	4,266	4,321	4,324	4,310	4,181	3,984	3,802	3,639	3,485	5,625	4,837	4,150	3,453	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–
Non-Interest Income	–	–	–	–	–	–	–	–	–	–	–	–	–	–	-355	-335	-281	-247	-213	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–
Provision for Credit Losses	1,288	1,249	1,242	1,286	1,356	1,372	1,397	1,462	1,397	1,443	1,229	1,439	1,439	1,507	1,594	1,265	1,122	704	544	332	379	643	1,266	1,495	1,585	1,592	1,188	976	876	931	1,016	1,179	1,187	1,140	941	857	778	705	668	605
Non-Interest Expense	1,986	1,984	1,988	1,969	2,067	2,055	2,060	2,041	1,969	2,030	2,092	2,125	2,109	2,052	1,932	1,813	1,758	1,709	1,684	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–

Italic numbers are calculated by StockData (for example Q4 = full year − nine months). Per-share data and share counts are adjusted for stock splits. Hover a number for its source; click it to open the filing on SEC.gov. Click a row to chart it.

Ratios

Latest available, balances at Jun 30, 2026

Profitability, TTM

Gross margin: –
Operating margin: –
Net margin: 14.4%
Return on equity, FY2025: 16.2%

Financial strength

Current ratio: –
Debt to equity: –
Debt to assets: –
Cash to current liabilities: –

Valuation

P/E ratio: 8.1
Price to sales: 1.00
Price to book: 1.18
Dividend yield: 0.83%