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. revenue by segment
By business segment
| Revenue | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | FY2015 | FY2014 | FY2013 | FY2012 | FY2011 | % of revenue | YoY |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Private Label Services and Credit | $3.76B | $4.55B | $4.60B | $4.17B | $3.68B | $2.97B | $2.40B | $2.03B | $1.73B | $1.49B | 113.9% | -17.4% |
| Loyalty One | $764.80M | $1.03B | $1.07B | $1.30B | $1.34B | $1.35B | $1.41B | $919.48M | $919.04M | $844.77M | 23.2% | -26.0% |
| Epsilon | – | – | $2.18B | $2.27B | $2.16B | $2.14B | $1.52B | $1.38B | $996.21M | $847.14M | – | – |
| Operating income | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | FY2015 | FY2014 | FY2013 | FY2012 | FY2011 | YoY |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Private Label Services and Credit | $886.90M | $1.43B | $1.77B | $1.52B | $1.32B | $1.07B | $976.70M | $852.73M | $771.85M | $636.11M | -38.0% |
| Loyalty One | $110.20M | $105.40M | $159.40M | $167.00M | -$24.00M | $208.20M | $250.30M | $229.68M | $207.17M | $189.63M | +4.6% |
| Epsilon | – | – | $147.20M | $134.50M | $123.20M | $134.90M | $126.40M | $131.35M | $106.16M | $93.74M | – |
By product or service
| Revenue | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | FY2015 | FY2014 | FY2013 | FY2012 | FY2011 | % of revenue | YoY |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Short-term loyalty programs | $487.70M | $635.50M | $613.80M | – | – | – | – | – | – | – | 14.8% | -23.3% |
| Coalition loyalty program | $262.50M | $290.10M | $352.30M | – | – | – | – | – | – | – | 8.0% | -9.5% |
| Other | $1.90M | $95.30M | $91.30M | – | – | – | – | – | – | – | 0.1% | -98.0% |
| Servicing fees, net | -$174.90M | -$180.70M | -$97.30M | – | – | – | – | – | – | – | -5.3% | -3.2% |
| Digital Media services | – | – | $772.00M | – | – | – | – | – | – | – | – | – |
| Agency services | – | – | $329.70M | – | – | – | – | – | – | – | – | – |
| Technology services | – | – | $1.02B | – | – | – | – | – | – | – | – | – |
By region
| Revenue | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 | FY2015 | FY2014 | FY2013 | FY2012 | FY2011 | % of revenue | YoY |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| United States | $3.77B | $4.59B | $4.62B | $4.19B | $5.73B | $5.02B | $3.87B | $3.33B | $2.66B | $2.26B | 114.2% | -17.9% |
| Europe, Middle East and Africa | $332.60M | $449.10M | $463.20M | $411.40M | $537.40M | $536.70M | $463.30M | $80.28M | $67.38M | – | 10.1% | -25.9% |
| Canada | $286.90M | $352.20M | $411.30M | $726.60M | $706.50M | $761.20M | $851.60M | $906.46M | $913.19M | $833.43M | 8.7% | -18.5% |
| Asia Pacific | $80.50M | $121.70M | $122.00M | $129.20M | $154.50M | $113.70M | $101.30M | $4.64M | $5.31M | – | 2.4% | -33.9% |
| Other | $53.70M | $70.00M | $48.80M | $15.00M | – | – | – | – | – | – | 1.6% | -23.3% |
| Other | – | – | – | – | – | – | – | – | $72.70M | $75.52M | – | – |
| Other | – | – | – | – | – | $7.93M | $19.74M | $84.92M | $72.70M | $75.52M | – | – |
| Other | – | – | $48.80M | $15.00M | $9.40M | $7.90M | $19.70M | – | – | – | – | – |
From the segment and revenue-disaggregation notes of Bread Financial's 10-K and 10-Q filings (XBRL). Fourth-quarter figures are the fiscal year less the first nine months. Segment names follow the company's own labels and can change when it reorganizes.