NYSE · Financial Statements

Bread Financial Holdings, Inc. (BFH) Financial Statements

$99.89 NYSE: BFH Market Cap $3.84B

Bread Financial Holdings, Inc. most recently reported annual revenue of $4.7B, net profit of $518.0M. Revenue grew at an average annual rate of 7.3% over the last 5 fiscal years. See the full income statement, balance sheet, and cash flow statement below, plus valuation and return ratios.

Bread Financial Holdings, Inc.: Revenue fell from $7.1B in 2016 to $4.7B in 2025, a change of -34.2% over 9 years; net profit was positive in all 10 reported years; operating margin moved from 17.7% to 13.1%, a shift of -4.7 percentage points; the most recent year shows net profit of $518.0M.

Income Statement — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Revenue$7.1B$5.5B$5.7B$3.3B$3.3B$3.3B$4.4B$5.2B$4.8B$4.7B
Operating Expenses$5.9B$4.0B$3.9B$2.0B$2.4B$2.2B$4.1B$4.2B$4.4B$4.1B
Operating Profit$1.3B$1.5B$1.8B$1.3B$888.0M$1.0B$300.0M$968.0M$381.0M$614.0M
Operating Margin17.7%27.7%31.0%39.0%26.9%31.9%6.9%18.7%7.9%13.1%
Other Income$-428.0M$-455.0M$-542.0M$-645.0M$-587.0M$0$0$0$0$0
Interest$218.0M$174.0M$156.0M$638.0M$499.0M$383.0M$503.0M$879.0M$960.0M$854.0M
Depreciation$512.0M$498.0M$487.0M$249.0M$184.0M$123.0M$113.0M$116.0M$90.0M$80.0M
Profit Before Tax$837.0M$1.1B$1.2B$662.0M$301.0M$1.0B$300.0M$968.0M$381.0M$614.0M
Tax$38.2M$27.6M$22.2M$23.6M$30.9M$23.7M$25.3M$23.9M$26.8M$15.0M
Net Profit$516.0M$789.0M$963.0M$278.0M$214.0M$801.0M$223.0M$718.0M$277.0M$518.0M
EPS$7.34$14.10$17.48$11.45$4.46$16.02$4.46$14.36$5.50$10.96
Dividend Payout0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%

Quarterly Results — Last 12 Quarters (USD millions)

8 duplicate period labels in the source data were collapsed.

MetricSep '23Dec '23Mar '24Jun '24Sep '24Dec '24Mar '25Jun '25Sep '25Dec '25Mar '26Jun '26
Revenue$1.3B$1.3B$1.2B$1.2B$1.2B$1.2B$1.2B$1.1B$1.2B$1.2B$1.2B$1.2B
Operating Expenses$1.0B$1.2B$1.1B$1.0B$1.2B$1.2B$998.0M$975.0M$985.0M$1.1B$968.0M$991.0M
Operating Profit$225.0M$18.0M$188.0M$180.0M$40.0M$-27.0M$197.0M$174.0M$196.0M$47.0M$243.0M$197.0M
Operating Margin18.0%1.4%15.2%15.3%3.3%-2.3%16.5%15.1%16.6%4.0%20.1%16.6%
Interest$219.0M$238.0M$248.0M$241.0M$240.0M$231.0M$225.0M$220.0M$210.0M$199.0M$193.0M$195.0M
Profit Before Tax$225.0M$18.0M$188.0M$180.0M$40.0M$-27.0M$197.0M$174.0M$196.0M$47.0M$243.0M$197.0M
Tax$23.1M$-144.4M$28.2M$26.1M$92.5M$125.9M$27.9M$20.1M$4.1M$-12.8M$25.5M$25.9M
Net Profit$171.0M$43.0M$134.0M$133.0M$2.0M$7.0M$138.0M$139.0M$188.0M$53.0M$181.0M$146.0M
EPS$3.41$0.87$2.70$2.65$0.04$0.14$2.78$2.94$3.96$1.16$4.15$3.55

Over the 10 years reported for Bread Financial Holdings, Inc., borrowings decreased from $12.6B in 2016 to $4.4B in 2025, cash stood at $3.6B in the latest year, shareholders' equity was $0, current assets covered current liabilities 0.27 times.

Balance Sheet — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Total Assets$25.5B$30.7B$30.4B$26.5B$22.5B$21.7B$25.4B$23.1B$22.9B$22.7B
Current Assets$19.6B$24.7B$24.7B$24.1B$3.1B$19.8B$4.2B$3.9B$4.0B$3.9B
Cash$1.9B$4.2B$3.8B$3.9B$2.8B$3.0B$3.9B$3.6B$3.7B$3.6B
Inventory$271.0M$234.0M$248.0M$218.0M$164.0M$0$0$0$0$0
Receivables$16.4B$18.3B$17.2B$18.7B$114.0M$15.7B$164.0M$144.0M$145.0M$148.0M
Fixed Assets$586.0M$614.0M$288.0M$547.0M$332.0M$312.0M$283.0M$265.0M$229.0M$180.0M
Capital Work in Progress$0$0$0$0$0$0$0$0$0$0
Investments$0$0$0$0$17.2B$464.0M$19.1B$17.3B$16.9B$17.0B
Other Assets$3.8B$3.9B$955.0M$955.0M$634.0M$634.0M$634.0M$634.0M$634.0M$634.0M
Total Liabilities$23.9B$28.8B$28.1B$24.9B$21.0B$19.7B$23.1B$20.2B$19.8B$19.3B
Current Liabilities$9.2B$10.1B$11.5B$11.9B$11.5B$11.9B$14.8B$14.6B$14.0B$14.7B
Borrowings$12.6B$14.9B$13.4B$10.4B$8.7B$7.6B$8.1B$5.4B$5.7B$4.4B
Other Liabilities$11.3B$13.9B$14.7B$14.5B$12.3B$12.1B$15.0B$14.8B$14.2B$14.9B
Equity$1.0M$1.0M$1.0M$1.0M$1.0M$1.0M$1.0M$1.0M$1.0M$0
Reserves$1.7B$1.9B$2.3B$1.6B$1.5B$2.1B$2.3B$2.9B$3.1B$3.3B

For Bread Financial Holdings, Inc., operating cash flow was positive in 10 of 10 reported years; free cash flow in the latest year was $2.1B; free cash flow was positive in 10 of 10 years.

Cash Flow Statement — 10 Years (USD millions)

Metric2016201720182019202020212022202320242025
Operating Cash Flow$2.1B$2.6B$2.8B$1.2B$1.9B$1.5B$1.8B$2.0B$1.9B$2.1B
Investing Cash Flow$-4.3B$-4.5B$-2.1B$2.7B$1.7B$-1.8B$-5.2B$788.0M$-1.2B$-1.4B
Financing Cash Flow$1.6B$1.9B$-500.0M$-726.0M$-2.4B$1.1B$2.8B$-348.0M$-618.0M$481.0M
Net Cash Flow$691.0M$2.3B$-347.0M$-10.0M$-495.0M$460.0M$4.0M$-311.0M$98.0M$-86.0M
Free Cash Flow$1.9B$2.4B$2.6B$1.1B$1.8B$1.5B$1.8B$2.0B$1.9B$2.1B

Valuation & Return Ratios

MetricValue
PEG Ratio0.06
EV / EBITDA4.79
FCF Yield55.41%
Quick Ratio0.27
Interest Coverage0.86
Return 1Y60.01%
Return 3Y194.22%
Return 5Y50.46%

Bread Financial Holdings, Inc. (BFH) financials — frequently asked questions

What is Bread Financial Holdings, Inc.'s annual revenue?

Bread Financial Holdings, Inc. (BFH) reported annual revenue of $4.7B in its most recent fiscal year.

What is Bread Financial Holdings, Inc.'s net profit?

Bread Financial Holdings, Inc. (BFH) reported net profit of $518.0M in its most recent fiscal year.

What is BFH EV/EBITDA?

Bread Financial Holdings, Inc.'s enterprise value to EBITDA (EV/EBITDA) ratio is 4.79.

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