Bread Financial Q1 income from continuing operations up 5%; revenue down 2%
Bread Financial reported first-quarter 2025 net income of $138 million, or $2.78 per diluted share, up from $134 million and $2.70 a year earlier. Revenue fell 2% to $970 million, while income from continuing operations rose 5% to $142 million, and the company lowered its 2025 loan outlook to flat to slightly down. The company also declared a $0.21 quarterly dividend.
Key points
- Q1 2025 net income $138 million and diluted EPS $2.78, versus $134 million and $2.70 in Q1 2024.
- Revenue fell to $970 million from $991 million; provision for credit losses fell to $296 million from $321 million.
- 2025 average credit card and other loans now expected flat to slightly down versus full-year 2024, reflecting slower expected retail sales growth.
- Quarterly dividend of $0.21 per share payable June 13, 2025, to holders of record on May 9, 2025.
The filing
Written by AI on Nov 8, 2026, 1:01 AM ET, from this filing only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on April 24, 2025.
Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.