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Company research / BFH

Bread Financial Holdings, Inc. (BFH)

Also trades as BFH-PA, BFH-PB. Every security a company lists rests on one set of financial statements, so these figures cover the whole company.

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SEC name BREAD FINANCIAL HOLDINGS, INC. · CIK 0001101215 · NYSE · Personal Credit Institutions

  • Sector Finance & Real Estate
  • Incorporated DE
  • Fiscal year ends Dec 31

For the year ended 2025-12-31, Bread Financial Holdings, Inc. reported revenue of $3.85B. Revenue grew 0.2% from the prior annual period. Over the twelve months to 2026-06-30, revenue was $3.96B.

Key ratios (year ended 2025-12-31)

13.5%
Net margin
15.6%
Return on year-end equity
0.2%
Revenue growth (YoY)

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Latest selected filing: Form 4 (ownership change) · 2026-09-16

Headquarters locality: Plano / Columbus · View on map

Annual financials

Annual flows and balances are grouped by their actual period end. Select a figure to open its SEC filing. n/a means a matching observation is unavailable. Free cash flow is operating cash flow minus capital expenditures, and EBITDA is operating income plus depreciation and amortization, for the same period, computed by TickerFacts.

The first column covers the twelve months to 2026-06-30 from the latest quarterly report: flows are the last fiscal year plus this year to date minus the same months a year earlier, and balances are as of that date. Per-share figures are annual only.

Period endedTTM to
2026-06-30		2025-12-312024-12-312023-12-312022-12-312021-12-312020-12-312019-12-312018-12-312017-12-312016-12-31
Revenue$3.96B$3.85B$3.84B$4.29B$3.83B$3.27B$3.30B$4.05Bn/an/an/a
Cost of Revenuen/an/an/an/an/an/a$2.08B$2.69B$2.54B$2.47B$4.28B
Gross Profit (computed)n/an/an/an/an/an/a$1.22B$1.36Bn/an/an/a
Operating Incomen/an/an/an/an/an/a$301.00M$662.00M$1.76B$1.52B$1.27B
Depreciation & Amortization$75.00M$80.00M$90.00M$116.00M$113.00M$123.00M$184.00M$249.00M$487.30M$497.60M$512.10M
EBITDAn/an/an/an/an/an/a$485.00M$911.00M$2.24B$2.02B$1.78B
Net Income$570.00M$518.00M$277.00M$718.00M$223.00M$801.00M$214.00M$278.00M$963.10M$788.70M$517.60M
EPS (Diluted)n/a$10.89$5.49$14.34$4.46$16.02$4.46$5.46$17.49$14.10$7.34
Total Assets$22.45B$22.66B$22.89B$23.14B$25.41B$21.75B$22.55B$26.49B$30.39B$30.68B$25.51B
Total Liabilities$19.09B$19.34B$19.84B$20.22B$23.14B$19.66B$21.02B$24.91B$28.06B$28.83B$23.86B
Long-Term Debtn/a$4.31B$5.56B$5.29B$8.01B$7.44B$2.81B$2.85B$5.74B$6.08B$5.60B
Shareholders' Equity$3.37B$3.33B$3.05B$2.92B$2.27B$2.09B$1.52B$1.59B$2.33B$1.86B$1.66B
Cash & Equivalents$3.68B$3.60B$3.68B$3.59B$3.89B$3.05B$2.80B$3.87B$3.82B$4.19B$1.86B
Operating Cash Flow$2.19B$2.09B$1.86B$1.99B$1.85B$1.54B$1.88B$1.22B$2.75B$2.60B$2.13B
Capital Expendituresn/an/an/an/a$68.00M$84.00M$54.00M$142.00M$199.80M$225.40M$207.00M
Free Cash Flown/an/an/an/a$1.78B$1.46B$1.83B$1.08B$2.56B$2.37B$1.92B
Share Repurchases$559.00M$313.00M$55.00M$35.00M$12.00M$0n/a$976.00M$443.20M$553.70M$798.80M
Dividends Paid$37.00M$40.00M$43.00M$42.00M$43.00M$42.00M$61.00M$127.00M$125.20M$115.50M$30.00M
Shares Outstanding38.70M44.10M49.10Mn/an/an/an/an/an/an/an/a
Dividends Per Sharen/a$0.86$0.84$0.84$0.84$0.84$1.26$2.52$0.57$0.52$0.52
Weighted Average Diluted Sharesn/a47.60M50.40M50.00M50.00M50.00M47.90M50.90M55.10M55.90M58.90M
EPS (Basic)n/a$11.07$5.58$14.39$4.47$16.09$4.47$5.38$17.56$14.17$7.37

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