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

BREAD FINANCIAL HOLDINGS, INC.

Financials through Q2 FY2026, quarter ended Jun 30, 2026Last filing: 10-Q on Jul 28, 2026

$102.45−0.11 (-0.11%)

Close on Oct 19, 2026

Margins

Share of revenue, fiscal years 2011 to 2025

–

–

13.5%+7.0 pts over 5 years

Compound annual growth to fiscal 2025

Per year	1 year	3 years	5 years	10 years
Revenue	+0.2%	+0.2%	+3.1%	-5.0%
Net income	+87.0%	+32.4%	+19.3%	–
EPS, diluted	+98.4%	+34.7%	+19.5%	+2.1%
Dividend per share	+2.4%	+0.8%	-7.4%	–

10 fiscal years. Hover a measure to see how it is calculated.

Measure	FY2016	FY2020	FY2025
Return on equity	–	13.8%	16.2%
Return on assets	–	0.9%	2.3%
Current ratio	2.12	1.88	–
Debt to equity	3.38	–	–
Net debt to EBITDA	2.04×	–	–
Interest coverage	3.0×	0.6×	–
Inventory turnover	17.1×	10.9×	–
Capex to revenue	2.9%	1.6%	–
Diluted shares	59M	48M	48M

Return on equity split into margin, efficiency and leverage

Net margin13.5%

Asset turnover0.17×

Equity multiplier7.14×

Return on equity, FY202516.2%

Fiscal year	Net margin	Asset turnover	Equity multiplier	Return on equity
FY2025	13.5%	0.17×	7.14×	16.2%
FY2024	7.2%	0.17×	7.71×	9.3%
FY2023	16.7%	0.18×	9.37×	27.7%
FY2022	5.8%	0.16×	10.84×	10.3%
FY2021	24.5%	0.15×	12.28×	44.4%
FY2020	6.5%	0.13×	15.76×	13.8%
FY2019	6.9%	0.14×	14.51×	14.2%
FY2018	17.0%	0.19×	14.59×	46.0%
FY2017	14.4%	0.19×	16.00×	44.9%

Parsed from the XBRL in Bread Financial's annual and quarterly filings with the SEC
Fourth quarters derived from the annual report minus nine months
Every figure in the statements links to its source filing