Bread Financial Holdings, Inc. (BFH.PA) stock
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 operating income
Operating income is the profit from the core business after operating expenses such as R&D and selling costs, before interest and taxes.
Bread Financial's operating income for the twelve months ending Sep 30, 2021 was $1.62B, up 72.4% year over year. For fiscal 2020 it was $301.00M, down 54.5% from the year before. Over ten years it grew -7.1% a year on average. The highest annual figure on record is $1.76B in fiscal 2018.
Annual operating income
| Period | Period end | Value | Change |
|---|---|---|---|
| FY2020 | Dec 31, 2020 | $301.00M | -54.5% |
| FY2019 | Dec 31, 2019 | $662.00M | -62.3% |
| FY2018 | Dec 31, 2018 | $1.76B | +15.8% |
| FY2017 | Dec 31, 2017 | $1.52B | +19.9% |
| FY2016 | Dec 31, 2016 | $1.27B | +0.3% |
| FY2015 | Dec 31, 2015 | $1.26B | +14.9% |
| FY2014 | Dec 31, 2014 | $1.10B | -0.0% |
| FY2013 | Dec 31, 2013 | $1.10B | +12.8% |
| FY2012 | Dec 31, 2012 | $974.36M | +19.9% |
| FY2011 | Dec 31, 2011 | $812.68M | +29.2% |
| FY2010 | Dec 31, 2010 | $629.22M | +54.3% |
| FY2009 | Dec 31, 2009 | $407.76M | -11.5% |
| FY2008 | Dec 31, 2008 | $460.59M | – |
Quarterly operating income
Change is against the same quarter a year earlier.
| Period | Period end | Value | Change |
|---|---|---|---|
| Q3 FY2021 | Sep 30, 2021 | $382.80M | +31.5% |
| Q2 FY2021 | Jun 30, 2021 | $473.30M | +170.9% |
| Q1 FY2021 | Mar 31, 2021 | $503.10M | +206.8% |
| Q4 FY2020 | Dec 31, 2020 | $258.70M | -16.3% |
| Q3 FY2020 | Sep 30, 2020 | $291.00M | -4.3% |
| Q2 FY2020 | Jun 30, 2020 | $174.70M | -48.2% |
| Q1 FY2020 | Mar 31, 2020 | $164.00M | -54.0% |
| Q4 FY2019 | Dec 31, 2019 | $309.00M | -39.2% |
| Q3 FY2019 | Sep 30, 2019 | $304.20M | -36.6% |
| Q2 FY2019 | Jun 30, 2019 | $337.30M | -15.0% |
| Q1 FY2019 | Mar 31, 2019 | $356.90M | -4.1% |
| Q4 FY2018 | Dec 31, 2018 | $508.50M | +9.9% |
| Q3 FY2018 | Sep 30, 2018 | $479.80M | +0.2% |
| Q2 FY2018 | Jun 30, 2018 | $396.70M | +120.9% |
| Q1 FY2018 | Mar 31, 2018 | $372.30M | -11.6% |
| Q4 FY2017 | Dec 31, 2017 | $462.80M | +44.4% |
| Q3 FY2017 | Sep 30, 2017 | $478.90M | – |
| Q4 FY2016 | Dec 31, 2016 | $179.60M | – |
| Q3 FY2016 | Sep 30, 2016 | $421.00M | – |
| Q2 FY2016 | Jun 30, 2016 | $320.60M | – |