Bread Financial Holdings, Inc. (BFH)
NYSE: BFH · Real-Time Price · USD
57.56
-3.74 (-6.10%)
Aug 1, 2025, 4:00 PM - Market closed
Bread Financial Holdings Income Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2016 - 2020 |
|---|---|---|---|---|---|---|---|
Period Ending | Jun '25 Jun 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 | 2016 - 2020 |
Interest Income on Loans | 4,731 | 4,820 | 4,961 | 4,615 | 3,861 | 3,931 | Upgrade |
Interest Income on Investments | 189 | 204 | 184 | 69 | 7 | 21 | Upgrade |
Total Interest Income | 4,920 | 5,024 | 5,145 | 4,684 | 3,868 | 3,952 | Upgrade |
Interest Paid on Deposits | 577 | 608 | 541 | 243 | 167 | 238 | Upgrade |
Interest Paid on Borrowings | 338 | 352 | 338 | 260 | 216 | 261 | Upgrade |
Total Interest Expense | 915 | 960 | 879 | 503 | 383 | 499 | Upgrade |
Net Interest Income | 4,005 | 4,064 | 4,266 | 4,181 | 3,485 | 3,453 | Upgrade |
Net Interest Income Growth (YoY) | -4.55% | -4.74% | 2.03% | 19.97% | 0.93% | -17.57% | Upgrade |
Gain (Loss) on Sale of Assets | 9 | 11 | 230 | - | 10 | - | Upgrade |
Gain (Loss) on Sale of Investments | - | - | -6 | -44 | 2 | - | Upgrade |
Other Non-Interest Income | -206 | -237 | -201 | -311 | -225 | -155 | Upgrade |
Total Non-Interest Income | -197 | -226 | 23 | -355 | -213 | -155 | Upgrade |
Revenues Before Loan Losses | 3,808 | 3,838 | 4,289 | 3,826 | 3,272 | 3,298 | Upgrade |
Provision for Loan Losses | 1,356 | 1,397 | 1,229 | 1,594 | 544 | 1,266 | Upgrade |
| 2,452 | 2,441 | 3,060 | 2,232 | 2,728 | 2,032 | Upgrade | |
Revenue Growth (YoY) | -4.92% | -20.23% | 37.10% | -18.18% | 34.25% | -29.00% | Upgrade |
Salaries and Employee Benefits | 842 | 843 | 823 | 746 | 642 | 588 | Upgrade |
Occupancy Expenses | 86 | 90 | 116 | 113 | 92 | 106 | Upgrade |
Selling, General & Administrative | 539 | 523 | 528 | 510 | 431 | 355 | Upgrade |
Other Non-Interest Expense | 495 | 497 | 625 | 563 | 519 | 618 | Upgrade |
Total Non-Interest Expense | 1,962 | 1,953 | 2,092 | 1,932 | 1,684 | 1,667 | Upgrade |
EBT Excluding Unusual Items | 490 | 488 | 968 | 300 | 1,044 | 365 | Upgrade |
Asset Writedown | - | - | - | - | - | -64 | Upgrade |
Other Unusual Items | -107 | -107 | - | - | - | - | Upgrade |
Pretax Income | 383 | 381 | 968 | 300 | 1,044 | 301 | Upgrade |
Income Tax Expense | 93 | 102 | 231 | 76 | 247 | 93 | Upgrade |
Earnings From Continuing Operations | 290 | 279 | 737 | 224 | 797 | 208 | Upgrade |
Earnings From Discontinued Operations | -5 | -2 | -19 | -1 | 4 | 6 | Upgrade |
Net Income | 285 | 277 | 718 | 223 | 801 | 214 | Upgrade |
Net Income to Common | 285 | 277 | 718 | 223 | 801 | 214 | Upgrade |
Net Income Growth | -40.99% | -61.42% | 221.97% | -72.16% | 274.30% | -23.02% | Upgrade |
Basic Shares Outstanding | 49 | 50 | 50 | 50 | 50 | 48 | Upgrade |
Diluted Shares Outstanding | 50 | 50 | 50 | 50 | 50 | 48 | Upgrade |
Shares Change (YoY) | -0.40% | 0.80% | - | - | 4.38% | -5.89% | Upgrade |
EPS (Basic) | 5.85 | 5.58 | 14.42 | 4.47 | 16.12 | 4.48 | Upgrade |
EPS (Diluted) | 5.76 | 5.50 | 14.36 | 4.45 | 16.03 | 4.48 | Upgrade |
EPS Growth | -40.48% | -61.70% | 222.70% | -72.24% | 258.19% | -16.82% | Upgrade |
Dividend Per Share | 0.840 | 0.840 | 0.840 | 0.840 | 0.840 | 1.260 | Upgrade |
Dividend Growth | - | - | - | - | -33.33% | -50.00% | Upgrade |
Effective Tax Rate | 24.28% | 26.77% | 23.86% | 25.33% | 23.66% | 30.90% | Upgrade |
Updated Apr 29, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.