BFH
Bread Financial Holdings, Inc.
NYSE: BFH · FINANCIAL SERVICES · CREDIT SERVICES
$85.42
-1.04% today
Updated 2026-04-29
Market cap
$3.45B
P/E ratio
6.97
P/S ratio
1.31x
EPS (TTM)
$12.25
Dividend yield
1.02%
52W range
$47 – $99
Volume
0.7M
Bread Financial Holdings, Inc. (BFH) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $1.66B | $1.96B | $2.03B | $1.96B | $2.79B | $3.17B | $3.64B | $4.32B | $5.30B | $6.44B | $7.14B | $5.47B | $5.67B | $3.35B | $3.30B | $3.27B | $3.83B | $4.29B | $3.84B | $4.70B |
| Revenue growth (YoY) | — | +18.4% | +3.2% | -3.0% | +42.1% | +13.7% | +14.8% | +18.6% | +22.8% | +21.4% | +10.8% | -23.3% | +3.5% | -40.9% | -1.5% | -0.8% | +17.0% | +12.1% | -10.5% | +22.4% |
| Cost of revenue | $1.14B | $1.37B | $1.42B | $1.50B | $1.86B | $2.11B | $2.40B | $2.85B | $3.48B | $4.14B | $4.71B | $2.92B | $3.08B | $3.26B | $2.57B | $1.59B | $1.59B | $1.23B | $1.40B | $1.72B |
| Gross profit | $513.90M | $588.15M | $602.86M | $465.39M | $927.71M | $1.06B | $1.24B | $1.46B | $1.82B | $2.30B | $2.43B | $2.55B | $2.59B | $2.32B | $1.95B | $2.06B | $2.23B | $3.06B | $2.44B | $2.98B |
| Gross margin | 31.0% | 30.0% | 29.8% | 23.7% | 33.2% | 33.5% | 34.1% | 33.9% | 34.4% | 35.6% | 34.1% | 46.6% | 45.7% | 69.4% | 59.1% | 63.1% | 58.3% | 71.3% | 63.6% | 63.3% |
| R&D | — | — | — | — | — | — | $30.00M | — | — | — | — | — | — | — | — | — | — | — | — | — |
| SG&A | $91.81M | $80.90M | $82.80M | $99.82M | $85.77M | $95.26M | $108.06M | $109.11M | $141.50M | $138.50M | $143.20M | $159.30M | $162.50M | $721.00M | $609.00M | $671.00M | $779.00M | $867.00M | $897.00M | $1.16B |
| Operating income | $373.38M | $421.23M | $460.59M | $407.76M | $629.22M | $812.68M | $974.36M | $1.10B | $1.10B | $1.26B | $1.27B | $1.52B | $1.76B | $1.31B | $888.40M | $1.04B | $802.00M | $1.59B | $279.00M | $614.00M |
| Operating margin | 22.5% | 21.5% | 22.7% | 20.8% | 22.5% | 25.6% | 26.8% | 25.4% | 20.7% | 19.6% | 17.7% | 27.7% | 31.0% | 39.1% | 26.9% | 31.9% | 21.0% | 37.1% | 7.3% | 13.1% |
| EBITDA | $457.70M | $546.87M | $528.07M | $365.69M | $454.12M | $667.25M | $849.78M | $1.01B | $1.15B | $1.49B | $1.35B | $1.56B | $1.70B | $994.00M | $549.00M | $1.17B | $915.00M | $1.08B | $1.43B | $694.00M |
| EBITDA margin | 27.6% | 27.9% | 26.1% | 18.6% | 16.3% | 21.0% | 23.3% | 23.4% | 21.7% | 23.1% | 18.9% | 28.5% | 30.0% | 29.7% | 16.6% | 35.7% | 23.9% | 25.3% | 37.3% | 14.8% |
| EBIT | $332.66M | $380.24M | $384.26M | $240.28M | $310.89M | $514.10M | $682.90M | $793.41M | $837.90M | $996.20M | $837.00M | $1.06B | $1.22B | $745.00M | $365.00M | $1.04B | $802.00M | $968.00M | $1.34B | $614.00M |
| Interest expense | $47.59M | $80.21M | $64.31M | $116.53M | $133.79M | $148.80M | $173.47M | $181.06M | $131.90M | $179.50M | $218.20M | $173.70M | $156.40M | $638.00M | $499.00M | $383.00M | $503.00M | $879.00M | $960.00M | $854.00M |
| Income tax | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Effective tax rate | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Net income | $189.60M | $164.06M | $206.40M | $143.73M | $193.74M | $315.29M | $422.26M | $496.17M | $506.30M | $596.50M | $515.80M | $788.70M | $963.10M | $278.00M | $214.00M | $801.00M | $223.00M | $718.00M | $277.00M | $518.00M |
| Net income growth (YoY) | — | -13.5% | +25.8% | -30.4% | +34.8% | +62.7% | +33.9% | +17.5% | +2.0% | +17.8% | -13.5% | +52.9% | +22.1% | -71.1% | -23.0% | +274.3% | -72.2% | +222.0% | -61.4% | +87.0% |
| Profit margin | 11.4% | 8.4% | 10.2% | 7.3% | 6.9% | 9.9% | 11.6% | 11.5% | 9.5% | 9.3% | 7.2% | 14.4% | 17.0% | 8.3% | 6.5% | 24.5% | 5.8% | 16.7% | 7.2% | 11.0% |