Flash FinanceUS
Market closed · weekend S&P 5007,376.86+0.31% Nasdaq24,579.42+1.09% Dow 3051,285.73-0.46% Russell 20002,754.11+0.89% Nasdaq-10026,989.99+1.35% MidCap 4003,602.50+0.56% SmallCap 6001,673.98+0.05% VIX25.64-9.01% 10Y Yield4.86+0.45% Close of Nov 06, 2026

Bread Financial Holdings, Inc. (BFH)

NYSE Financials Consumer Finance S&P SmallCap 600
$101.83
-0.74 (-0.72%)
Close of Nov 06, 2026 · end-of-day data
Source: Bread Financial Holdings, Inc.'s 10-K / 10-Q XBRL data on SEC EDGAR · fetched Nov 03, 2026

Revenue, net income & free cash flow

Income statement

fiscal years · USD
Fiscal yearFY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue$5.01B$5.47B$960.10M$840.20M$577.20M$3.27B$3.83B$4.29B$3.84B$3.85B
Cost of revenue$2.60B$2.47B$2.54B$2.69B$2.08B—————
Gross profit$2.41B$3.01B-$1.58B-$1.85B-$1.50B—————
Operating income$1.15B$1.52B$1.76B$662.00M$301.00M—————
Interest expense$370.90M$455.40M$542.30M$638.00M$499.00M$383.00M$503.00M$879.00M——
Pre-tax income$779.00M$1.06B$1.22B$662.00M$301.00M$1.04B$300.00M$968.00M$381.00M$615.00M
Income tax$298.80M$293.30M$269.50M$156.00M$93.00M$247.00M$76.00M$231.00M$102.00M$94.00M
Net income$515.80M$788.70M$963.10M$278.00M$214.00M$801.00M$223.00M$718.00M$277.00M$518.00M
EBITDA$1.66B$2.02B$2.24B$911.00M$485.00M—————
EPS (basic)$7.37$14.17$17.56$5.38$4.47$16.09$4.47$14.39$5.58$11.07
EPS (diluted)$7.34$14.10$17.49$5.46$4.46$16.02$4.46$14.34$5.49$10.89
Diluted shares58.90M55.90M55.10M50.90M47.90M50.00M50.00M50.00M50.40M47.60M
Gross margin48.1%54.9%-164.3%-219.9%-259.9%—————
Operating margin22.9%27.7%183.0%78.8%52.1%—————
Net margin10.3%14.4%100.3%33.1%37.1%24.5%5.8%16.7%7.2%13.5%

Balance sheet

fiscal years · USD
Fiscal yearFY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash & equivalents$1.86B$4.14B$3.82B$3.87B$2.80B$3.05B$3.89B$3.59B$3.68B$3.60B
Short-term investments————$29.00M$80.00M$130.00M$250.00M$272.00M$26.00M
Receivables$797.20M$282.00M$404.00M$451.10M$383.80M—————
Inventory$271.30M$230.60M$248.00M$218.00M$164.30M—————
Total current assets$19.59B$24.71B$24.71B$24.11B$19.63B—————
Goodwill$915.00M$992.80M$954.80M$954.90M$634.00M$634.00M$634.00M$634.00M$634.00M$634.00M
Total assets$25.51B$30.68B$30.39B$26.49B$22.55B$21.75B$25.41B$23.14B$22.89B$22.66B
Total current liabilities$9.23B$10.15B$11.48B$11.87B$10.42B—————
Short-term debt$814.50M$127.20M$138.90M———————
Long-term debt$5.60B$6.08B$5.73B$2.85B$2.81B$7.44B$8.01B$5.29B$5.56B$4.31B
Total debt$6.42B$6.21B$5.86B$2.85B$2.81B$7.44B$8.01B$5.29B$5.56B$4.31B
Total liabilities$23.86B$28.83B$28.06B$24.91B$21.02B$19.66B$23.14B$20.22B$19.84B$19.34B
Shareholders' equity$1.66B$1.86B$2.33B$1.59B$1.52B$2.09B$2.27B$2.92B$3.05B$3.33B

Cash flow

fiscal years · USD
Fiscal yearFY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow$2.13B$2.60B$2.75B$1.22B$1.88B$1.54B$1.85B$1.99B$1.86B$2.09B
Capital expenditures$207.00M$225.40M$199.80M$142.00M$54.00M$84.00M$68.00M———
Free cash flow$1.92B$2.37B$2.56B$1.08B$1.83B$1.46B$1.78B$1.99B$1.86B$2.09B
Investing cash flow-$4.29B-$4.27B-$1.87B$2.86B$1.77B-$1.69B-$5.11B$788.00M-$1.17B-$1.37B
Financing cash flow$2.64B$4.00B-$1.22B-$4.09B-$4.17B$608.00M$3.27B-$3.09B-$592.00M-$807.00M
Dividends paid$30.00M$115.50M$125.20M$127.00M$61.00M$42.00M$43.00M$42.00M$43.00M$40.00M
Share buybacks$798.80M$553.70M$443.20M$976.00M—$0$12.00M$35.00M$55.00M$313.00M
Stock-based compensation$76.50M$75.10M$80.80M$55.00M$21.00M$29.00M$33.00M$44.00M$54.00M$56.00M
Depreciation & amortization$512.10M$497.60M$487.30M$249.00M$184.00M$123.00M$113.00M$116.00M$90.00M$80.00M

Quarterly figures are rebuilt from the year-to-date totals companies report — Q4 is the full year minus the first nine months, since no 10-Q is filed for it. Values are as filed; later restatements replace earlier ones. Fiscal years are labelled by the calendar year in which they end.