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Bread Financial Inc. (BFH)

NYSE: BFH · Real-Time Price · USD

51.55

-1.00 (-1.90%)

At close: Jun 17, 2025, 2:20 PM

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	4.75B	4.8B	4.9B	4.92B	4.9B	5.17B	5.15B	5.02B	4.87B	4.37B	3.22B	2.95B	2.7B	2.49B	3.53B	3.73B	3.94B	4.52B	4.87B	5.26B	5.63B	5.58B	6.18B	6.16B	6.21B	6.26B	6.31B	6.8B	7.22B	7.72B	7.44B	7.41B	7.34B	7.14B	7.06B	6.76B	6.51B
Cost of Revenue	2.31B	2.36B	2.43B	2.34B	2.35B	2.11B	2.28B	2.19B	2.15B	2.1B	1.02B	1.16B	1.26B	1.59B	2.5B	2.52B	2.54B	2.57B	2.7B	2.93B	3.11B	3.26B	3.73B	3.69B	3.62B	3.56B	3.54B	3.97B	4.39B	4.83B	4.85B	4.79B	4.77B	4.71B	4.5B	4.33B	4.18B
Gross Profit	2.44B	2.44B	2.47B	2.58B	2.55B	3.07B	2.87B	2.83B	2.73B	2.28B	2.59B	2.42B	2.32B	2.06B	1.81B	1.74B	1.68B	1.95B	2.17B	2.33B	2.52B	2.32B	2.44B	2.47B	2.59B	2.69B	2.76B	2.83B	2.83B	2.89B	2.59B	2.62B	2.57B	2.43B	2.55B	2.43B	2.34B
Operating Income	390M	381M	426M	611M	517M	967M	741M	705M	635M	299M	494.2M	688M	1.15B	1.35B	1.62B	1.53B	1.23B	888.5M	938.7M	951.9M	1.11B	1.31B	1.57B	1.75B	1.81B	1.82B	1.71B	1.71B	1.67B	1.65B	1.36B	1.3B	1.27B	1.27B	1.45B	1.32B	1.28B
Interest Income	4.95B	5.02B	5.12B	5.14B	5.11B	5.15B	5.16B	5.08B	4.95B	4.68B	3.36B	3.13B	2.98B	2.85B	2.85B	1.86B	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	390M	381M	426M	611M	517M	967M	741M	705M	635M	299M	494.2M	564.2M	902.2M	967.2M	1.13B	1.04B	736.1M	394.5M	415.7M	404M	550.8M	738.4M	968.4M	1.15B	1.22B	1.24B	1.15B	1.14B	1.09B	1.08B	836.7M	815.8M	818.8M	837.1M	1.05B	942.52M	930.62M
Net Income	280M	276M	312M	481M	396M	717M	540M	503M	467M	222M	373.6M	463.6M	725.6M	801.6M	796M	705.3M	469.7M	213.7M	299.2M	58.3M	158.9M	278M	465.4M	869.5M	948.3M	963.1M	949.5M	886.2M	806.1M	788.6M	527.9M	502.2M	505.2M	515.9M	679.51M	600.41M	591.01M
Selling & General & Admin	1.05B	1.04B	1.02B	1B	1.01B	1.03B	1.02B	1.02B	1.01B	960M	1.45B	1.41B	1.36B	1.35B	633.5M	459.5M	282.9M	105.8M	96.5M	99.3M	136.2M	150.6M	173.6M	185.4M	174.5M	167.5M	162.7M	157.1M	153.1M	166.4M	156.8M	159.8M	160.3M	143.3M	137.99M	137.89M	135.89M
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	1B	1.02B	1.02B	970M	1.02B	1.07B	1.11B	1.1B	1.08B	1.02B	258.5M	-308.6M	-1.06B	-1.8B	-1.22B	-774.7M	-108.5M	955.9M	1.13B	1.28B	1.27B	866.3M	698.3M	533.1M	604.4M	704.4M	889.3M	964.1M	1.01B	1.07B	1.07B	1.16B	1.14B	1.02B	966.82M	974.72M	917.72M
Operating Expenses	2.06B	2.06B	2.04B	1.97B	2.03B	2.1B	2.13B	2.13B	2.09B	1.98B	1.71B	1.1B	298.3M	-447M	-590M	-315.2M	174.4M	1.06B	1.23B	1.38B	1.4B	1.02B	871.9M	718.5M	778.9M	871.9M	1.05B	1.12B	1.17B	1.24B	1.23B	1.32B	1.3B	1.17B	1.1B	1.11B	1.05B
Interest Expense	937M	960M	967M	946M	910M	880M	837M	751M	641M	502M	307M	265M	270M	298M	327.4M	261.1M	187.2M	108.6M	106.5M	107.9M	120.5M	130M	172.6M	183.8M	186.7M	193M	195.6M	232.2M	262.9M	282.7M	269.1M	249.8M	231M	218.2M	206.53M	197.23M	188.23M
Selling & Marketing Expenses	154M	147M	145M	143M	150M	161M	171M	179M	189M	181M	285M	276M	261M	272M	112M	77M	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	4.36B	4.42B	4.47B	4.31B	4.38B	4.21B	4.41B	4.32B	4.24B	4.07B	2.73B	2.26B	1.56B	1.15B	1.91B	2.2B	2.71B	3.63B	3.93B	4.31B	4.51B	4.27B	4.6B	4.41B	4.4B	4.43B	4.6B	5.09B	5.56B	6.07B	6.08B	6.11B	6.07B	5.87B	5.61B	5.45B	5.23B
Income Tax Expense	105M	103M	111M	126M	101M	231M	183M	186M	168M	76M	123.6M	121.6M	208.6M	216.6M	295.9M	285.5M	203.1M	99.5M	83.6M	83.6M	126.4M	165.8M	241.3M	253M	240.9M	270.1M	192.6M	238.7M	275.6M	292.4M	308.8M	313.6M	313.6M	319.4M	362.54M	332.34M	331.14M
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)	5.67	5.57	6.30	9.69	7.97	14.36	10.80	10.06	9.34	4.45	7.41	9.22	14.48	16.03	16.01	14.30	9.61	4.48	6.96	1.97	3.81	5.99	8.54	16.15	17.44	17.59	17.22	16.02	14.56	14.20	9.47	8.82	7.58	7.34	9.49	8.02	8.90
EPS (Diluted)	5.61	5.53	6.26	9.63	7.93	14.31	10.75	10.03	9.32	4.44	7.40	9.18	14.41	15.95	15.93	14.25	9.59	4.48	6.96	2.04	3.87	6.04	8.56	16.08	17.37	17.52	17.15	15.96	14.50	14.13	9.43	8.78	7.55	7.32	9.45	7.98	8.85
EBITDA	478M	471M	518M	704M	622M	1.08B	866M	836M	761M	412M	600M	704.4M	1.06B	1.17B	1.36B	1.26B	942.5M	578.3M	578.9M	643.8M	791.9M	1.06B	1.37B	1.55B	1.7B	1.73B	1.64B	1.63B	1.59B	1.58B	1.34B	1.32B	1.33B	1.35B	1.56B	1.51B	1.49B
EBIT	390M	381M	426M	611M	517M	967M	741M	705M	635M	299M	494.2M	595.9M	951.5M	1.04B	1.2B	1.09B	763.5M	394.5M	415.7M	475.9M	622.7M	810.3M	1.04B	1.15B	1.22B	1.24B	1.15B	1.14B	1.09B	1.08B	836.7M	815.8M	818.8M	837.1M	1.05B	1.01B	995.22M
Depreciation & Amortization	88M	90M	92M	93M	105M	116M	125M	131M	126M	113M	105.8M	107.8M	109.8M	122.8M	160.5M	169.7M	179M	183.8M	163.2M	167.9M	169.2M	249.3M	327.5M	405.1M	484.5M	487.3M	489.3M	491M	494.5M	497.6M	501.9M	504.4M	508.5M	512.1M	509.73M	506.43M	498.93M