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 | TTM Q3 21 | TTM Q2 21 | TTM Q1 21 | TTM Q4 20 | TTM Q3 20 | TTM Q2 20 | TTM Q1 20 | TTM Q4 19 | TTM Q3 19 | TTM Q2 19 | TTM Q1 19 | TTM Q4 18 | % of revenue | YoY |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Private Label Services and Credit | $3.58B | $3.51B | $3.48B | $3.76B | $4.01B | $4.33B | $4.60B | $4.55B | $4.55B | $4.52B | $4.57B | $4.60B | 83.1% | -10.7% |
| Loyalty One | $727.70M | $743.20M | $743.40M | $764.80M | $866.40M | $927.10M | $1.03B | $1.03B | $1.03B | $1.05B | $1.05B | $1.07B | 16.9% | -16.0% |
| Epsilon | – | – | – | – | – | – | – | – | – | – | – | $2.18B | – | – |
| Operating income | TTM Q3 21 | TTM Q2 21 | TTM Q1 21 | TTM Q4 20 | TTM Q3 20 | TTM Q2 20 | TTM Q1 20 | TTM Q4 19 | TTM Q3 19 | TTM Q2 19 | TTM Q1 19 | TTM Q4 18 | YoY |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Private Label Services and Credit | $1.61B | $1.54B | $1.23B | $886.90M | $892.90M | $1.00B | $1.20B | $1.43B | $1.66B | $1.73B | $1.76B | $1.77B | +80.7% |
| Loyalty One | $122.30M | $96.00M | $95.40M | $110.20M | $145.80M | $123.30M | $127.80M | $105.40M | $93.20M | $137.90M | $155.20M | $159.40M | -16.1% |
| Epsilon | – | – | – | – | – | – | – | – | – | – | – | $147.20M | – |
By product or service
| Revenue | TTM Q3 21 | TTM Q2 21 | TTM Q1 21 | TTM Q4 20 | TTM Q3 20 | TTM Q2 20 | TTM Q1 20 | TTM Q4 19 | TTM Q3 19 | TTM Q2 19 | TTM Q1 19 | TTM Q4 18 | % of revenue | YoY |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Short-term loyalty programs | $443.90M | $465.50M | $473.70M | $487.70M | $551.10M | $577.90M | $646.20M | $635.50M | $627.90M | $632.10M | $609.30M | $613.80M | 62.1% | -19.5% |
| Coalition loyalty program | $270.50M | $264.90M | $258.00M | $262.50M | $271.20M | $280.20M | $290.00M | $290.10M | $300.90M | $312.70M | $333.80M | $352.30M | 37.9% | -0.3% |
| Digital Media services | – | – | – | – | – | – | – | – | – | – | – | $772.00M | – | – |
| Agency services | – | – | – | – | – | – | – | – | – | – | – | $329.70M | – | – |
| Technology services | – | – | – | – | – | – | – | – | – | – | – | $1.02B | – | – |
| Other | – | – | – | – | $31.40M | $56.50M | $78.90M | $95.30M | $93.30M | $92.20M | $91.20M | $91.30M | – | – |
By region
| Revenue | TTM Q3 21 | TTM Q2 21 | TTM Q1 21 | TTM Q4 20 | TTM Q3 20 | TTM Q2 20 | TTM Q1 20 | TTM Q4 19 | TTM Q3 19 | TTM Q2 19 | TTM Q1 19 | TTM Q4 18 | % of revenue | YoY |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| United States | $3.58B | $3.52B | $3.49B | $3.77B | $4.03B | $4.36B | $4.64B | $4.59B | $4.59B | $4.55B | $4.60B | $4.62B | 83.2% | -11.1% |
| Europe, Middle East and Africa | $336.40M | $345.20M | $343.40M | $332.60M | $369.30M | $369.40M | $436.30M | $449.10M | $444.00M | $474.10M | $447.60M | $463.20M | 7.8% | -8.9% |
| Canada | $302.40M | $296.70M | $287.80M | $286.90M | $303.00M | $321.60M | $342.30M | $352.20M | $361.20M | $374.70M | $394.70M | $411.30M | 7.0% | -0.2% |
| Asia Pacific | $75.20M | $64.80M | $58.40M | $80.50M | $103.10M | $130.50M | $141.30M | $121.70M | $126.20M | $118.20M | $122.90M | $122.00M | 1.7% | -27.1% |
| Other | $9.90M | $29.30M | $43.90M | $53.70M | $69.50M | $75.10M | $71.80M | $70.00M | $68.10M | $54.80M | $56.90M | $48.80M | 0.2% | -85.8% |
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.