BFH
Bread Financial Holdings, Inc.
NYSE · USFinancial ServicesFinancial - Credit Services
$99.48+0.17%
Price as of Jul 20, 2026
BFH financials
Bread Financial Holdings, Inc. financial statements
Annual and quarterly income statement, balance sheet and cash-flow history. On small screens, start with four periods and expand the table when needed.
| Metric | 2025 | 2024 | 2023 | 2022 |
|---|---|---|---|---|
| Income statement | ||||
| Revenue | $4.7B | $4.8B | $5.2B | $4.4B |
| Cost of revenue | $1.7B | $2.4B | $2.1B | $2.1B |
| Gross profit | $3.0B | $2.4B | $3.1B | $2.3B |
| Operating expenses | $2.4B | $2.1B | $2.1B | $2.0B |
| Operating income | $614.0M | $381.0M | $968.0M | $300.0M |
| Net income | $518.0M | $277.0M | $718.0M | $223.0M |
| EBITDA | $694.0M | $471.0M | $1.1B | $413.0M |
| Basic EPS | $11.13 | $5.58 | $14.42 | $4.47 |
| Diluted EPS | $10.96 | $5.50 | $14.36 | $4.46 |
| Balance sheet | ||||
| Cash & equivalents | $3.6B | $3.7B | $3.6B | $3.9B |
| Total assets | $22.7B | $22.9B | $23.1B | $25.4B |
| Total liabilities | $19.3B | $19.8B | $20.2B | $23.1B |
| Stockholders’ equity | $3.3B | $3.1B | $2.9B | $2.3B |
| Total debt | $4.4B | $5.7B | $5.4B | $8.1B |
| Net debt | $789.0M | $2.0B | $1.9B | $4.2B |
| Cash flow | ||||
| Operating cash flow | $2.1B | $1.9B | $2.0B | $1.8B |
| Capital expenditure | $0.00 | $0.00 | $0.00 | -$68.0M |
| Free cash flow | $2.1B | $1.9B | $2.0B | $1.8B |
| Dividends paid | -$42.0M | -$43.0M | -$42.0M | -$43.0M |
| Share repurchases | -$313.0M | -$55.0M | -$35.0M | -$12.0M |