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

Market cap: $4.17B
P/E (TTM): 8.0
Dividend yield: 0.84%

BREAD FINANCIAL HOLDINGS, INC. income statement

Annual Quarterly TTM

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

Line item	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31	FY 2020 2020-12-31	FY 2019 2019-12-31	FY 2018 2018-12-31	FY 2017 2017-12-31	FY 2016 2016-12-31	FY 2015 2015-12-31	FY 2014 2014-12-31	FY 2013 2013-12-31	FY 2012 2012-12-31	FY 2011 2011-12-31	FY 2010 2010-12-31	FY 2009 2009-12-31	FY 2008 2008-12-31
Revenue	3,845	3,838	4,289	3,826	3,272	3,298	4,050	5,667	5,475	7,138	6,440	5,303	4,319	3,641	3,173	2,791	1,964	2,025
Cost of Revenue	–	–	–	–	–	2,077	2,688	2,537	2,470	4,277	3,814	3,219	2,549	2,107	1,812	1,545	1,354	1,342
Gross Profit	–	–	–	–	–	1,221	1,362	3,129	3,005	2,861	2,625	2,084	1,770	1,535	1,361	1,246	610	683
General & Administrative	–	–	–	–	–	106	151	163	159	143	139	142	109	108	95	86	100	83
Advertising Expenses	–	–	–	–	–	166	229	245	237	277	251	240	207	166	129	116	92	–
Total Costs & Expenses	–	–	–	–	–	3,633	4,274	3,909	3,957	5,873	5,178	4,205	3,220	2,667	2,361	2,162	1,557	1,565
Operating Income	–	–	–	–	–	301	662	1,757	1,518	1,266	1,262	1,098	1,099	974	813	629	408	461
Interest Expense	–	–	879	503	383	499	638	542	455	429	330	261	306	291	299	318	145	80
Income from Equity Investments	0	0	-6.00	-44	2.00	0	–	–	–	–	–	–	–	–	–	–	–	–
Merger & Restructuring Charges	–	–	–	–	–	-8.20	118	–	–	–	–	–	–	–	–	–	–	–
Asset Impairment Charges	0	0	0	0	0	64	52	0	0	0	0	0	0	0	0	–	–	–
Gain (Loss) on Sale of Assets	–	–	–	–	–	14	512	–	–	–	–	–	–	–	–	–	–	–
Pretax Income	615	381	968	300	1,044	301	662	1,215	1,063	837	932	838	793	683	514	311	263	380
Income Tax Expense	94	102	231	76	247	93	156	270	293	319	326	322	297	261	199	115	86	148
Income from Continuing Operations	521	279	737	224	797	208	506	946	769	–	–	–	–	422	315	196	177	233
Income from Discontinued Operations	-3.00	-2.00	-19	-1.00	4.00	6.00	-228	18	20	–	–	–	–	–	–	-1.90	-33	-26
Net Income incl. Noncontrolling Interests	–	–	718	223	801	214	278	963	789	518	605	516	496	422	–	–	–	–
Net Income	518	277	718	223	801	214	278	963	789	–	–	–	–	–	–	194	144	206
Preferred Dividends	–	–	–	–	–	–	3.00	–	–	–	–	–	–	–	–	–	–	–
Net Income to Common	–	–	–	–	801	214	269	963	789	516	597	506	496	422	315	194	144	–
EPS (Basic)(per share)	11.07	5.58	14.39	4.47	16.09	4.47	5.38	17.56	14.17	7.37	8.91	8.72	10.09	8.44	6.22	3.69	2.58	2.88
EPS (Diluted)(per share)	10.89	5.49	14.34	4.46	16.02	4.46	5.46	17.49	14.10	7.34	8.85	7.87	7.42	6.58	5.45	3.48	2.49	2.80
Shares Outstanding (Basic, Weighted)(shares)	47	50	50	50	50	48	50	55	56	59	62	56	49	50	51	53	56	72
Shares Outstanding (Diluted, Weighted)(shares)	48	50	50	50	50	48	51	55	56	59	62	62	67	64	58	56	58	74
Dividend per Share(per share)	0.86	0.84	0.84	0.84	0.84	1.26	2.52	0.57	0.52	0.52	–	–	–	–	–	–	–	–
EBITDA	–	–	–	–	–	485	911	2,245	2,016	1,778	1,754	1,412	1,315	1,141	966	772	533	604
Total Interest Income	4,912	5,024	5,145	4,684	3,868	3,952	4,827	12	–	–	–	–	–	–	–	–	–	–
Net Interest Income	4,058	4,064	4,266	4,181	3,485	3,453	4,189	–	–	–	–	–	–	–	–	–	–	–
Non-Interest Income	–	–	–	-355	-213	-155	-139	–	–	–	–	–	–	–	–	–	–	–
Provision for Credit Losses	1,242	1,397	1,229	1,594	544	1,266	1,188	1,016	1,140	941	668	425	346	285	300	388	0	0
Non-Interest Expense	1,988	2,060	2,092	1,932	1,684	1,731	2,200	–	–	–	–	–	–	–	–	–	–	–

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: 8.0
Price to sales: 1.05
Price to book: 1.24
Dividend yield: 0.84%