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 | Q3 21 | Q2 21 | Q1 21 | Q4 20 | Q3 20 | Q2 20 | Q1 20 | Q4 19 | Q3 19 | Q2 19 | Q1 19 | Q4 18 | % of revenue | YoY |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Private Label Services and Credit | $930.00M | $861.50M | $908.30M | $879.00M | $865.70M | $828.20M | $1.18B | $1.13B | $1.19B | $1.10B | $1.13B | $1.13B | 84.6% | +7.4% |
| Loyalty One | $169.30M | $150.90M | $176.60M | $230.90M | $184.80M | $151.10M | $198.10M | $332.40M | $245.50M | $251.50M | $203.80M | $333.30M | 15.4% | -8.4% |
| Epsilon | – | – | – | – | – | – | – | – | – | – | – | $613.90M | – | – |
| Operating income | Q3 21 | Q2 21 | Q1 21 | Q4 20 | Q3 20 | Q2 20 | Q1 20 | Q4 19 | Q3 19 | Q2 19 | Q1 19 | Q4 18 | YoY |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Private Label Services and Credit | $377.50M | $476.70M | $489.00M | $270.20M | $302.50M | $171.90M | $142.30M | $276.20M | $413.90M | $367.60M | $372.90M | $506.40M | +24.8% |
| Loyalty One | $44.40M | $24.40M | $31.70M | $21.80M | $18.10M | $23.80M | $46.40M | $57.50M | -$4.40M | $28.30M | $24.10M | $45.20M | +145.3% |
| Epsilon | – | – | – | – | – | – | – | – | – | – | – | $70.70M | – |
By product or service
| Revenue | Q3 21 | Q2 21 | Q1 21 | Q4 20 | Q3 20 | Q2 20 | Q1 20 | Q4 19 | Q3 19 | Q2 19 | Q1 19 | Q4 18 | % of revenue | YoY |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Short-term loyalty programs | $95.80M | $76.60M | $106.30M | $165.20M | $117.40M | $84.80M | $120.30M | $228.60M | $144.20M | $153.10M | $109.60M | $221.00M | 57.7% | -18.4% |
| Coalition loyalty program | $68.60M | $68.50M | $66.80M | $66.60M | $63.00M | $61.60M | $71.30M | $75.30M | $72.00M | $71.40M | $71.40M | $86.10M | 41.3% | +8.9% |
| Other | $1.60M | $2.40M | – | – | $1.10M | $1.60M | $3.40M | $25.30M | $26.20M | $24.00M | $19.80M | $23.30M | 1.0% | +45.5% |
| Servicing fees, net | -$61.70M | -$51.40M | -$32.30M | – | -$47.00M | -$28.50M | -$30.70M | – | -$43.80M | -$31.50M | -$18.60M | – | -37.2% | +31.3% |
| Digital Media services | – | – | – | – | – | – | – | – | – | – | – | $226.30M | – | – |
| Agency services | – | – | – | – | – | – | – | – | – | – | – | $81.20M | – | – |
| Technology services | – | – | – | – | – | – | – | – | – | – | – | $284.10M | – | – |
By region
| Revenue | Q3 21 | Q2 21 | Q1 21 | Q4 20 | Q3 20 | Q2 20 | Q1 20 | Q4 19 | Q3 19 | Q2 19 | Q1 19 | Q4 18 | % of revenue | YoY |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| United States | $929.90M | $863.00M | $909.20M | $880.50M | $869.00M | $832.40M | $1.19B | $1.14B | $1.20B | $1.11B | $1.14B | $1.14B | 84.6% | +7.0% |
| Canada | $76.00M | $73.60M | $80.00M | $72.80M | $70.30M | $64.70M | $79.10M | $88.90M | $88.90M | $85.40M | $89.00M | $97.90M | 6.9% | +8.1% |
| Europe, Middle East and Africa | $68.10M | $52.50M | $79.40M | $136.40M | $76.90M | $50.70M | $68.60M | $173.10M | $77.00M | $117.60M | $81.40M | $168.00M | 6.2% | -11.4% |
| Asia Pacific | $23.00M | $19.80M | $14.90M | $17.50M | $12.60M | $13.40M | $37.00M | $40.10M | $40.00M | $24.20M | $17.50M | $44.50M | 2.1% | +82.5% |
| Other | $2.30M | $3.50M | $1.40M | $2.70M | $21.70M | $18.10M | $11.30M | $18.40M | $27.30M | $14.80M | $9.50M | $16.50M | 0.2% | -89.4% |
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.