Bread Financial Holdings Income Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Revenue	3,845	3,838	4,289	3,826	3,272
Revenue Growth (YoY)	0.18%	-10.51%	12.10%	16.93%	-0.79%
Cost of Revenue	854	960	879	503	383
Gross Profit	2,991	2,878	3,410	3,323	2,889
Selling, General & Admin	1,908	1,970	1,976	1,819	1,592
Depreciation & Amortization Expenses	80	90	116	113	92
Other Operating Expenses	1,242	1,397	1,229	1,594	544
Operating Income	-239	-579	89	-203	661
Interest Income	4,912	5,024	5,145	4,684	3,868
Interest Expense	-300	-352	-338	-260	-216
Other Non-Operating Income (Expense)	-213	-226	23	-355	-213
Total Non-Operating Income (Expense)	4,399	4,446	4,830	4,069	3,439
Pretax Income	615	381	968	300	1,044
Provision for Income Taxes	94	102	231	76	247
Net Income	518	277	718	223	801
Earnings From Discontinued Operations	-3	-2	-19	-1	4
Net Income to Common	518	277	718	223	801
Net Income Growth	87.00%	-61.42%	221.97%	-72.16%	274.30%
Shares Outstanding (Basic)	47	50	50	50	50
Shares Outstanding (Diluted)	48	50	50	50	50
Shares Change (YoY)	-5.56%	0.80%	-	-	4.38%
EPS (Basic)	11.07	5.58	14.39	4.47	16.09
EPS (Diluted)	10.89	5.49	14.34	4.46	16.02
EPS Growth	98.36%	-61.71%	221.53%	-72.16%	259.19%
Free Cash Flow	2,092	1,859	1,987	1,848	1,543
Free Cash Flow Growth	12.53%	-6.44%	7.52%	19.77%	-15.64%
Free Cash Flow Per Share	43.95	36.88	39.74	36.96	30.86
Dividends Per Share	0.860	0.840	0.840	0.840	0.840
Dividend Growth	2.38%	-	-	-	-33.33%
Gross Margin	77.79%	74.99%	79.51%	86.85%	88.29%
Operating Margin	-6.22%	-15.09%	2.08%	-5.31%	20.20%
Profit Margin	13.55%	7.27%	17.18%	5.85%	24.36%
FCF Margin	54.41%	48.44%	46.33%	48.30%	47.16%
EBITDA	-159	-489	205	-90	784
EBITDA Margin	-4.14%	-12.74%	4.78%	-2.35%	23.96%
EBIT	-239	-579	89	-203	661
EBIT Margin	-6.22%	-15.09%	2.08%	-5.31%	20.20%
Effective Tax Rate	15.28%	26.77%	23.86%	25.33%	23.66%

Updated Dec 31, 2025. Data Source: Fiscal.ai. Standard template. Financial Sources.