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Bread Financial Holdings, Inc. (BFH) Financial History

20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.

FINANCIAL SERVICES · CREDIT SERVICES · DATA UPDATED 2026-08-22

Bread Financial Holdings, Inc. (BFH) operates in the CREDIT SERVICES industry and is headquartered in Columbus, United States with about 6,000 employees. Its market capitalization is roughly $4 billion. In the fiscal year ended 2025-12-31, BFH reported $4.7B in revenue and $518M in net income.

Bread Financial Holdings, Inc. provides tech-forward payment and lending solutions to customers and consumer-based industries in North America.

Interactive charts & full statements → Open the BFH valuation workbench →

BFH Revenue & Earnings History — Annual Income Statement

Income statement	TTM → 2026-06-30	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31	2007-12-31	2006-12-31
Total Revenue	$4.8B	$4.7B	$3.8B	$4.3B	$3.8B	$3.3B	$3.3B	$3.3B	$5.7B	$5.5B	$7.1B	$6.4B	$5.3B	$4.3B	$3.6B	$3.2B	$2.8B	$2.0B	$2.0B	$2.0B	$1.7B
Gross Profit	$3.0B	$3.0B	$2.4B	$3.1B	$2.2B	$1.7B	$1.9B	$2.3B	$2.6B	$2.5B	$2.4B	$2.3B	$1.8B	$1.5B	$1.2B	$1.1B	$928M	$465M	$603M	$588M	$514M
Gross Margin %	64.0%	63.3%	63.6%	71.4%	58.3%	51.3%	59.1%	69.4%	45.7%	46.6%	34.1%	35.6%	34.4%	33.9%	34.1%	33.5%	33.2%	23.7%	29.8%	30.0%	31.0%
Operating Income (EBIT)	$683M	$614M	$279M	$1.6B	$802M	$1.0B	$888M	$1.3B	$1.8B	$1.5B	$1.3B	$1.3B	$1.1B	$1.1B	$974M	$813M	$629M	$408M	$461M	$421M	$373M
Operating Margin %	14.4%	13.1%	7.3%	37.1%	21.0%	31.9%	26.9%	39.1%	31.0%	27.7%	17.7%	19.6%	20.7%	25.4%	26.8%	25.6%	22.5%	20.8%	22.7%	21.5%	22.5%
Net Income	$568M	$518M	$277M	$718M	$223M	$801M	$214M	$278M	$963M	$789M	$516M	$596M	$506M	$496M	$422M	$315M	$194M	$144M	$206M	$164M	$190M
Net Margin %	11.9%	11.0%	7.2%	16.7%	5.8%	24.5%	6.5%	8.3%	17.0%	14.4%	7.2%	9.3%	9.6%	11.5%	11.6%	9.9%	6.9%	7.3%	10.2%	8.4%	11.4%
EBITDA	$740M	$694M	$1.4B	$1.1B	$915M	$1.2B	$549M	$994M	$1.7B	$1.6B	$1.3B	$1.5B	$1.2B	$1.0B	$850M	$667M	$454M	$366M	$528M	$547M	$458M
Earnings Per Share (EPS)	$12.89	$11.26	$5.50	$14.36	$4.46	$16.02	$4.47	$5.56	$17.48	$14.11	$8.76	$9.57	$8.11	$7.42	$6.58	$5.45	$3.48	$2.49	$2.80	$2.03	$2.32
Shares Outstanding (M)	41M	46M	50M	50M	50M	50M	48M	50M	55M	56M	59M	62M	62M	67M	64M	58M	56M	58M	74M	81M	82M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

BFH Quarterly Revenue & Earnings — Last 8 Quarters

Quarterly income statement	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30
Total Revenue	$1.2B	$1.2B	$1.2B	$1.2B	$1.1B	$1.2B	$1.2B	$1.2B
Gross Profit	$680M	$715M	$975M	$672M	$655M	$674M	$508M	$614M
Gross Margin %	57.2%	59.0%	83.0%	56.9%	57.0%	56.4%	43.9%	50.2%
Operating Income (EBIT)	$197M	$243M	$47M	$196M	$174M	$197M	($27M)	$40M
Operating Margin %	16.6%	20.1%	4.0%	16.6%	15.1%	16.5%	-2.3%	3.3%
Net Income	$146M	$181M	$53M	$188M	$139M	$138M	$7M	$2M
Net Margin %	12.3%	14.9%	4.5%	15.9%	12.1%	11.6%	0.6%	0.2%
EBITDA	$197M	$262M	$66M	$215M	$195M	$218M	($5M)	$62M
Earnings Per Share (EPS)	$3.59	$4.19	$1.15	$3.96	$2.94	$2.78	$0.14	$0.04
Shares Outstanding (M)	41M	43M	46M	48M	47M	50M	50M	51M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

BFH Free Cash Flow History

Cash flow	TTM → 2026-06-30	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31	2007-12-31	2006-12-31
Cash from Operations (CFO)	$2.2B	$2.1B	$1.9B	$2.0B	$1.8B	$1.5B	$1.9B	$1.2B	$2.8B	$2.6B	$2.1B	$1.6B	$1.3B	$992M	$1.1B	$1.0B	$903M	$358M	$451M	$572M	$469M
Capital Expenditures (CapEx)	$27M	$24M	$36M	$48M	$68M	$84M	$54M	$142M	$200M	$225M	$207M	$192M	$159M	$135M	$116M	$74M	$69M	$53M	$50M	$117M	$100M
Free Cash Flow (FCF)	$2.2B	$2.1B	$1.8B	$1.9B	$1.8B	$1.5B	$1.8B	$1.1B	$2.6B	$2.4B	$1.9B	$1.4B	$1.2B	$857M	$1.0B	$938M	$834M	$305M	$401M	$455M	$368M
FCF Margin %	45.6%	44.0%	47.5%	45.2%	46.5%	44.6%	55.5%	32.1%	45.1%	43.5%	26.4%	22.3%	22.4%	19.8%	28.0%	29.5%	29.9%	15.6%	19.8%	23.2%	22.2%
Dividends Paid	$45M	$42M	$43M	$42M	$43M	$42M	$61M	$127M	$125M	$116M	$30M	$7.7B	$7.6B	$5.3B	$3.6B	$5.4B	$2.7B	$3.5B	$4.7B	$2.3B	$3.6B

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

BFH Quarterly Free Cash Flow — Last 8 Quarters

Quarterly cash flow	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30
Cash from Operations (CFO)	$533M	$487M	$568M	$605M	$526M	$393M	$479M	$456M
Capital Expenditures (CapEx)	$4M	$7M	$8M	$8M	$12M	$5M	$7M	$26M
Free Cash Flow (FCF)	$529M	$480M	$560M	$597M	$514M	$388M	$472M	$430M
FCF Margin %	44.5%	39.6%	47.7%	50.5%	44.7%	32.5%	40.8%	35.2%
Dividends Paid	$11M	$14M	$11M	$9M	$10M	$12M	$11M	$10M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

BFH Balance Sheet History

Balance sheet	2026-06-30	2025-12-31	2024-12-31	2023-12-31	2022-12-31	2021-12-31	2020-12-31	2019-12-31	2018-12-31	2017-12-31	2016-12-31	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31	2007-12-31	2006-12-31
Total Assets	$22.5B	$22.7B	$22.9B	$23.1B	$25.4B	$21.7B	$22.5B	$26.5B	$30.4B	$30.7B	$25.5B	$22.4B	$20.3B	$13.2B	$12.0B	$9.0B	$8.3B	$5.2B	$4.3B	$4.2B	$3.4B
Cash & Cash Equivalents	$3.7B	$3.6B	$3.7B	$3.6B	$3.9B	$3.0B	$3.1B	$3.9B	$3.8B	$4.2B	$1.9B	$1.2B	$1.1B	$970M	$893M	$216M	$139M	$213M	$157M	$219M	$180M
Total Liabilities	$19.1B	$19.3B	$19.8B	$20.2B	$23.1B	$19.7B	$21.0B	$24.9B	$28.1B	$28.8B	$23.9B	$20.2B	$17.6B	$12.4B	$11.5B	$8.8B	$8.2B	$5.0B	$3.8B	$3.0B	$2.3B
Total Debt (Short + Long-Term)	$0M	$18.2B	$8.8B	$5.6B	$14.3B	$10.7B	$8.5B	$10.2B	$13.4B	$19.5B	$16.3B	$1.4B	$1.3B	$1.4B	$2.3B	$20M	$256M	$52M	$276M	$314M	$8M
Total Shareholders' Equity	$3.4B	$3.3B	$3.1B	$2.9B	$2.3B	$2.1B	$1.5B	$1.6B	$2.3B	$1.9B	$1.7B	$2.0B	$2.4B	$856M	$528M	$176M	$23M	$273M	$547M	$1.2B	$1.1B

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive BFH viewer.

Other Companies in CREDIT SERVICES

KLAR · Klarna Group plc — $5 billion
SLM · SLM Corp — $5 billion
NNI · Nelnet Inc — $5 billion
ENVA · Enova International Inc — $4 billion
SEZL · Sezzle Inc. — $4 billion
UPST · Upstart Holdings Inc — $2 billion
AGM · Federal Agricultural Mortgage Corporation — $2 billion
ECPG · Encore Capital Group Inc — $2 billion

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