Bread Financial Holdings, Inc. (BFH)

Bread Financial Holdings Income Statement

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

Year Ending	TTM	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Revenue	2,547	3,060	2,232	2,728	2,032	2,862
Revenue Growth (YoY)	-5.21%	37.10%	-18.18%	34.25%	-29.00%	-49.49%
Gross Profit	2,547	3,060	2,232	2,728	2,032	2,862
Selling, General & Admin	1,405	1,456	1,318	1,154	1,148	1,405
Other Operating Expenses	625	636	614	530	583	795
Operating Expenses	2,030	2,092	1,932	1,684	1,731	2,200
Operating Income	517	968	300	1,044	301	662
Other Expense / Income	20	19	1	-4	-6	228
Pretax Income	497	949	299	1,048	307	434
Income Tax	101	231	76	247	93	156
Net Income	396	718	223	801	214	278
Net Income Growth	-15.20%	221.97%	-72.16%	274.30%	-23.02%	-71.13%
Shares Outstanding (Basic)	50	50	50	50	48	50
Shares Outstanding (Diluted)	50	50	50	50	48	51
Shares Change	-0.80%	-	-	4.38%	-5.89%	-7.62%
EPS (Basic)	8.01	14.39	4.47	16.09	4.47	5.38
EPS (Diluted)	7.97	14.34	4.46	16.02	4.46	5.46
EPS Growth	-14.58%	221.52%	-72.16%	259.19%	-18.32%	-68.78%
Free Cash Flow	1,982	1,939	1,776	1,463	1,829	1,076
Free Cash Flow Per Share	40.04	38.94	35.59	29.44	38.26	21.52
Dividend Per Share	0.840	0.840	0.840	0.840	1.260	2.520
Dividend Growth	0%	0%	0%	-33.33%	-50.00%	10.53%
Gross Margin	100.00%	100.00%	100.00%	100.00%	100.00%	100.00%
Operating Margin	20.30%	31.63%	13.44%	38.27%	14.81%	23.13%
Profit Margin	15.55%	23.46%	9.99%	29.36%	10.53%	9.71%
Free Cash Flow Margin	77.82%	63.37%	79.57%	53.63%	90.01%	37.60%
Effective Tax Rate	20.32%	24.34%	25.42%	23.57%	30.29%	35.94%
EBITDA	602	1,065	412	1,171	491	683
EBITDA Margin	23.64%	34.80%	18.46%	42.93%	24.16%	23.86%
Depreciation & Amortization	105	116	113	123	184	249
EBIT	497	949	299	1,048	307	434
EBIT Margin	19.51%	31.01%	13.40%	38.42%	15.11%	15.16%

Source: Financials are provided by Nasdaq Data Link and sourced from the audited annual (10-K) and quarterly (10-Q) reports submitted to the Securities and Exchange Commission (SEC).