Bread Financial Holdings, Inc. (BFH)
NYSE: BFH · Real-Time Price · USD
86.32
-1.68 (-1.91%)
At close: Apr 28, 2026, 4:00 PM EDT
86.32
0.00 (0.00%)
After-hours: Apr 28, 2026, 7:00 PM EDT
Bread Financial Holdings Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | 2020 - 2016 |
|---|---|---|---|---|---|---|---|
Period Ending | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | 2020 - 2016 |
| Interest Income on Loans | 4,778 | 4,739 | 4,820 | 4,961 | 4,615 | 3,861 | Upgrade
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| Interest Income on Investments | 163 | 173 | 204 | 184 | 69 | 7 | Upgrade
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| Total Interest Income | 4,941 | 4,912 | 5,024 | 5,145 | 4,684 | 3,868 | Upgrade
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| Interest Paid on Deposits | 549 | 554 | 608 | 541 | 243 | 167 | Upgrade
|
| Interest Paid on Borrowings | 273 | 300 | 352 | 338 | 260 | 216 | Upgrade
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| Total Interest Expense | 822 | 854 | 960 | 879 | 503 | 383 | Upgrade
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| Net Interest Income | 4,119 | 4,058 | 4,064 | 4,266 | 4,181 | 3,485 | Upgrade
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| Net Interest Income Growth (YoY) | 2.51% | -0.15% | -4.74% | 2.03% | 19.97% | 0.93% | Upgrade
|
| Gain (Loss) on Sale of Assets | 3 | 3 | 11 | 230 | - | 10 | Upgrade
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| Gain (Loss) on Sale of Investments | - | - | - | -6 | -44 | 2 | Upgrade
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| Other Non-Interest Income | -229 | -216 | -237 | -201 | -311 | -225 | Upgrade
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| Total Non-Interest Income | -226 | -213 | -226 | 23 | -355 | -213 | Upgrade
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| Revenues Before Loan Losses | 3,893 | 3,845 | 3,838 | 4,289 | 3,826 | 3,272 | Upgrade
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| Provision for Loan Losses | 1,249 | 1,242 | 1,397 | 1,229 | 1,594 | 544 | Upgrade
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| Revenue | 2,644 | 2,603 | 2,441 | 3,060 | 2,232 | 2,728 | Upgrade
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| Revenue Growth (YoY) | 8.14% | 6.64% | -20.23% | 37.10% | -18.18% | 34.25% | Upgrade
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| Salaries and Employee Benefits | 829 | 824 | 843 | 823 | 746 | 642 | Upgrade
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| Occupancy Expenses | 78 | 80 | 90 | 116 | 113 | 92 | Upgrade
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| Selling, General & Administrative | 532 | 537 | 523 | 528 | 510 | 431 | Upgrade
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| Other Non-Interest Expense | 470 | 473 | 487 | 624 | 563 | 519 | Upgrade
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| Total Non-Interest Expense | 1,909 | 1,914 | 1,943 | 2,091 | 1,932 | 1,684 | Upgrade
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| EBT Excluding Unusual Items | 735 | 689 | 498 | 969 | 300 | 1,044 | Upgrade
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| Other Unusual Items | -74 | -74 | -117 | -1 | - | - | Upgrade
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| Pretax Income | 661 | 615 | 381 | 968 | 300 | 1,044 | Upgrade
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| Income Tax Expense | 101 | 94 | 102 | 231 | 76 | 247 | Upgrade
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| Earnings From Continuing Operations | 560 | 521 | 279 | 737 | 224 | 797 | Upgrade
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| Earnings From Discontinued Operations | 1 | -3 | -2 | -19 | -1 | 4 | Upgrade
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| Net Income | 561 | 518 | 277 | 718 | 223 | 801 | Upgrade
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| Preferred Dividends & Other Adjustments | 2 | - | - | - | - | - | Upgrade
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| Net Income to Common | 559 | 518 | 277 | 718 | 223 | 801 | Upgrade
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| Net Income Growth | 99.64% | 87.00% | -61.42% | 221.97% | -72.16% | 274.30% | Upgrade
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| Basic Shares Outstanding | 45 | 47 | 50 | 50 | 50 | 50 | Upgrade
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| Diluted Shares Outstanding | 46 | 48 | 50 | 50 | 50 | 50 | Upgrade
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| Shares Change (YoY) | -8.69% | -5.56% | 0.80% | - | - | 4.38% | Upgrade
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| EPS (Basic) | 12.35 | 11.07 | 5.58 | 14.42 | 4.47 | 16.12 | Upgrade
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| EPS (Diluted) | 12.18 | 10.90 | 5.50 | 14.36 | 4.45 | 16.03 | Upgrade
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| EPS Growth | 118.76% | 98.11% | -61.70% | 222.70% | -72.24% | 258.19% | Upgrade
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| Dividend Per Share | 0.880 | 0.860 | 0.840 | 0.840 | 0.840 | 0.840 | Upgrade
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| Dividend Growth | 4.76% | 2.38% | - | - | - | -33.33% | Upgrade
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| Effective Tax Rate | 15.28% | 15.29% | 26.77% | 23.86% | 25.33% | 23.66% | Upgrade
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Source: S&P Capital IQ. Banks template. Financial Sources.