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Bread Financial Inc. (BFH)

NYSE: BFH · Real-Time Price · USD

51.73

-0.82 (-1.56%)

At close: Jun 17, 2025, 3:59 PM

50.79

-1.82%

After-hours: Jun 17, 2025, 04:05 PM EDT

Bread Financial Income Statement

Financials in USD. Fiscal year is January - December.

Fiscal Year	Q1 2025	Q4 2024	Q3 2024	Q2 2024	Q1 2024	Q4 2023	Q3 2023	Q2 2023	Q1 2023	Q4 2022	Q3 2022	Q2 2022	Q1 2022	Q4 2021	Q3 2021	Q2 2021	Q1 2021	Q4 2020	Q3 2020	Q2 2020	Q1 2020	Q4 2019	Q3 2019	Q2 2019	Q1 2019	Q4 2018	Q3 2018	Q2 2018	Q1 2018	Q4 2017	Q3 2017	Q2 2017	Q1 2017	Q4 2016	Q3 2016	Q2 2016	Q1 2016
Period Ending	Mar 31, 2025	Dec 31, 2024	Sep 30, 2024	Jun 30, 2024	Mar 31, 2024	Dec 31, 2023	Sep 30, 2023	Jun 30, 2023	Mar 31, 2023	Dec 31, 2022	Sep 30, 2022	Jun 30, 2022	Mar 31, 2022	Dec 31, 2021	Sep 30, 2021	Jun 30, 2021	Mar 31, 2021	Dec 31, 2020	Sep 30, 2020	Jun 30, 2020	Mar 31, 2020	Dec 31, 2019	Sep 30, 2019	Jun 30, 2019	Mar 31, 2019	Dec 31, 2018	Sep 30, 2018	Jun 30, 2018	Mar 31, 2018	Dec 31, 2017	Sep 30, 2017	Jun 30, 2017	Mar 31, 2017	Dec 31, 2016	Sep 30, 2016	Jun 30, 2016	Mar 31, 2016
Revenue	1.2B	1.16B	1.22B	1.18B	1.24B	1.25B	1.25B	1.16B	1.51B	1.23B	1.12B	1.01B	1.01B	75.5M	851M	764M	802M	1.11B	1.05B	979.3M	1.38B	1.46B	1.44B	1.35B	1.33B	2.06B	1.42B	1.4B	1.38B	2.11B	1.91B	1.82B	1.88B	1.83B	1.89B	1.75B	1.68B
Cost of Revenue	521M	648M	609M	531M	569M	720M	523M	541M	325M	887M	437M	499M	272M	-190.6M	581.3M	596.2M	606.2M	715.2M	597.8M	620.5M	637.8M	846.8M	827.5M	798.3M	784.4M	1.32B	790.8M	727.2M	723.5M	1.3B	1.21B	1.15B	1.17B	1.32B	1.15B	1.13B	1.1B
Gross Profit	674M	508M	614M	649M	670M	535M	727M	616M	1.19B	341M	686M	510M	740M	649.1M	518M	416.2M	478.7M	394.7M	452.7M	358.8M	744M	614.2M	610.1M	550.2M	549.8M	734.4M	632.3M	670M	658.2M	803M	700.6M	669.9M	711.7M	510.7M	731.7M	617.2M	573.4M
Operating Income	197M	-27M	40M	180M	188M	18M	225M	86M	638M	-208M	189M	16M	302M	-12.8M	382.8M	473.3M	503.1M	258.8M	291M	174.7M	164M	309M	304.2M	337.3M	356.9M	574.2M	479.8M	396.7M	372.3M	462.7M	478.9M	351.4M	352.4M	179.7M	421M	320.6M	344.3M
Interest Income	1.23B	1.22B	1.28B	1.23B	1.3B	1.31B	1.3B	1.2B	1.33B	1.32B	1.22B	1.07B	1.07B	n/a	994M	915M	942M	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Pretax Income	197M	-27M	40M	180M	188M	18M	225M	86M	638M	-208M	189M	16M	302M	-12.8M	259M	354M	367M	146.2M	175.9M	47M	25.4M	167.4M	164.2M	193.8M	213M	397.4M	343M	263.1M	240.5M	306.3M	333.6M	213.9M	227.2M	62M	312.7M	216.9M	245.5M
Net Income	138M	7M	2M	133M	134M	43M	171M	48M	455M	-134M	134M	12M	210M	17.6M	224M	274M	286M	12M	133.3M	38.4M	30M	97.5M	-107.6M	139M	149.1M	284.9M	296.5M	217.8M	163.9M	271.3M	233.2M	137.7M	146.4M	10.6M	207.5M	140.7M	157.1M
Selling & General & Admin	250M	290M	266M	247M	241M	266M	246M	257M	259M	263M	246M	241M	210M	752.4M	203M	197M	201M	32.5M	29M	20.4M	23.9M	23.2M	31.8M	57.3M	38.3M	46.2M	43.6M	46.4M	31.3M	41.4M	38M	42.4M	44.6M	31.8M	41M	42.9M	27.6M
Research & Development	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Other Expenses	227M	245M	308M	222M	241M	251M	256M	273M	291M	286M	251M	253M	228M	-473.5M	-316.1M	-502.5M	-508.3M	103.4M	132.7M	163.7M	556.1M	282M	274.1M	155.6M	154.6M	114M	108.9M	226.9M	254.6M	298.9M	183.7M	276.1M	314.7M	299.2M	269.7M	253.7M	201.5M
Operating Expenses	477M	535M	574M	469M	482M	517M	502M	530M	550M	549M	497M	494M	438M	278.9M	-113.1M	-305.5M	-307.3M	135.9M	161.7M	184.1M	580M	305.2M	305.9M	212.9M	192.9M	160.2M	152.5M	273.3M	285.9M	340.3M	221.7M	318.5M	359.3M	331M	310.7M	296.6M	229.1M
Interest Expense	225M	231M	240M	241M	248M	238M	219M	205M	218M	195M	133M	95M	79M	n/a	91M	100M	107M	29.4M	24.7M	26.1M	28.4M	27.3M	26.1M	38.7M	37.9M	69.9M	37.3M	41.6M	44.2M	72.5M	73.9M	72.3M	64M	58.9M	54.6M	53.5M	51.2M
Selling & Marketing Expenses	35M	48M	38M	33M	28M	46M	36M	40M	39M	56M	44M	50M	31M	160M	35M	35M	42M	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Cost & Expenses	998M	1.18B	1.18B	1B	1.05B	1.24B	1.02B	1.07B	875M	1.44B	934M	993M	710M	88.3M	468.2M	290.7M	298.9M	851.1M	759.5M	804.6M	1.22B	1.15B	1.13B	1.01B	977.3M	1.48B	943.3M	1B	1.01B	1.64B	1.43B	1.47B	1.53B	1.65B	1.46B	1.43B	1.33B
Income Tax Expense	55M	-34M	37M	47M	53M	-26M	52M	22M	183M	-74M	55M	4M	91M	-26.4M	53M	91M	99M	52.9M	42.6M	8.6M	-4.6M	37M	42.6M	51.4M	34.8M	112.5M	54.3M	39.3M	64M	35M	100.4M	76.2M	80.8M	51.4M	105.2M	76.2M	86.6M
Shares Outstanding (Basic)	49M	49.6M	49.7M	49.6M	49.5M	49.3M	49.9M	50.1M	50M	49.9M	49.8M	49.8M	49.9M	49.8M	49.8M	49.7M	49.7M	48.3M	47.7M	47.6M	47.6M	47.1M	48.8M	51.3M	53M	54M	54.8M	55.2M	55.4M	55.3M	55.4M	55.6M	56.4M	57.6M	58.3M	58.8M	59.8M
Shares Outstanding (Diluted)	49.6M	50.4M	51M	50.2M	49.7M	49.6M	50.1M	50.3M	50.1M	49.9M	49.9M	49.9M	50M	50M	50M	50M	49.8M	48.4M	47.8M	47.7M	47.7M	47.6M	50.4M	52.6M	53.2M	54.2M	55M	55.4M	55.7M	55.6M	55.6M	55.8M	56.7M	57.9M	58.4M	59M	60.2M
EPS (Basic)	2.81	0.14	0.04	2.68	2.71	0.87	3.43	0.96	9.10	-2.69	2.69	0.24	4.21	0.27	4.50	5.50	5.76	0.25	2.79	0.81	0.63	2.73	-2.2	2.65	2.81	5.28	5.41	3.94	2.96	4.91	4.21	2.48	2.60	0.18	3.56	1.24	2.36
EPS (Diluted)	2.78	0.14	0.04	2.65	2.70	0.87	3.41	0.95	9.08	-2.69	2.69	0.24	4.20	0.27	4.47	5.47	5.74	0.25	2.79	0.81	0.63	2.73	-2.13	2.64	2.80	5.25	5.39	3.93	2.95	4.88	4.20	2.47	2.58	0.18	3.55	1.24	2.35
EBITDA	218M	-5M	62M	203M	211M	42M	248M	121M	672M	-175M	218M	46M	323M	13M	322.4M	403.1M	428.4M	209.7M	216.1M	88.3M	64.2M	210.3M	281M	236.4M	331.9M	518.5M	465.5M	385.1M	362.2M	429.4M	457.9M	339.4M	352M	189.4M	439.4M	346.5M	373.9M
EBIT	197M	-27M	40M	180M	188M	18M	225M	86M	638M	-208M	189M	16M	302M	-12.8M	290.7M	371.6M	394.4M	146.2M	175.9M	47M	25.4M	167.4M	236.1M	193.8M	213M	397.4M	343M	263.1M	240.5M	306.3M	333.6M	213.9M	227.2M	62M	312.7M	216.9M	245.5M
Depreciation & Amortization	21M	22M	22M	23M	23M	24M	23M	35M	34M	33M	29M	30M	21M	25.8M	31M	32M	34M	63.5M	40.2M	41.3M	38.8M	42.9M	44.9M	42.6M	118.9M	121.1M	122.5M	122M	121.7M	123.1M	124.2M	125.5M	124.8M	127.4M	126.7M	129.6M	128.4M