Bread Financial Holdings, Inc. (BFH) Financial Statements

Income statement

Metric	TTM	2025	2024	2023	2022
Revenue
Total Revenue	4.8B	4.7B	4.8B	5.2B	4.4B
Cost of Revenue	1.7B	1.7B	2.4B	2.1B	2.1B
Gross Profit	3.0B	3.0B	2.4B	3.1B	2.3B
Operating Expenses
R&D Expense	—	—	—	—	—
SG&A Expense	1.3B	1.3B	1.0B	1.0B	959.0M
General & Admin Expense	1.2B	1.2B	897.0M	867.0M	779.0M
Selling & Marketing Expense	117.0M	151.0M	147.0M	161.0M	180.0M
Other Expenses	1.1B	1.1B	1.0B	1.1B	1.0B
Total Operating Expenses	2.4B	2.4B	2.1B	2.1B	2.0B
Cost and Expenses	4.1B	4.1B	4.4B	4.2B	4.1B
Operating Income (EBIT)	683.0M	614.0M	381.0M	968.0M	300.0M
Non-Operating
Interest Income	5.0B	4.9B	5.0B	5.1B	4.7B
Interest Expense	797.0M	854.0M	960.0M	879.0M	503.0M
Net Interest Income	4.2B	4.1B	4.1B	4.3B	4.2B
Other Non-Op Income/Expense	—	—	—	—	—
Non-Operating Income (excl Interest)	—	—	—	—	—
EBT (Pre-Tax Income)	683.0M	614.0M	381.0M	968.0M	300.0M
Income Tax Expense	115.0M	92.0M	102.0M	231.0M	76.0M
Bottom Line
Net Income	568.0M	518.0M	277.0M	718.0M	223.0M
Earnings from Cont. Ops	568.0M	522.0M	279.0M	737.0M	224.0M
Earnings from Discont. Ops	—	(4.0M)	(2.0M)	(19.0M)	(1.0M)
Bottom Line Net Income	564.0M	518.0M	277.0M	718.0M	223.0M
Per Share
Basic EPS	$13.01	$11.13	$5.58	$14.42	$4.47
Diluted EPS	$12.82	$10.96	$5.50	$14.36	$4.46
Revenue Per Share	$119.15	$104.65	$96.73	$103.90	$87.64
Shares
Basic Shares Outstanding	39.9M	44.9M	49.6M	49.8M	49.9M
Diluted Shares Outstanding	40.7M	46.0M	50.4M	50.0M	50.0M
Profitability Metrics
EBITDA	740.0M	694.0M	471.0M	1.1B	413.0M
D&A	57.0M	80.0M	90.0M	116.0M	113.0M
EBIT	683.0M	614.0M	381.0M	968.0M	300.0M

As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Jun 1, 2026