Bread Financial Holdings, Inc. (BFH)

Bread Financial Holdings Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	4,706	4,820	4,961	4,615	3,861	3,931
Interest Income on Investments	178	204	184	69	7	21
Total Interest Income	4,884	5,024	5,145	4,684	3,868	3,952
Interest Paid on Deposits	564	608	541	243	167	238
Interest Paid on Borrowings	322	352	338	260	216	261
Total Interest Expense	886	960	879	503	383	499
Net Interest Income	3,998	4,064	4,266	4,181	3,485	3,453
Net Interest Income Growth (YoY)	-3.71%	-4.74%	2.03%	19.97%	0.93%	-17.57%
Gain (Loss) on Sale of Assets	5	11	230	-	10	-
Gain (Loss) on Sale of Investments	-	-	-6	-44	2	-
Other Non-Interest Income	-208	-237	-201	-311	-225	-155
Total Non-Interest Income	-203	-226	23	-355	-213	-155
Revenues Before Loan Losses	3,795	3,838	4,289	3,826	3,272	3,298
Provision for Loan Losses	1,286	1,397	1,229	1,594	544	1,266
Revenue	2,509	2,441	3,060	2,232	2,728	2,032
Revenue Growth (YoY)	1.70%	-20.23%	37.10%	-18.18%	34.25%	-29.00%
Salaries and Employee Benefits	836	843	823	746	642	588
Occupancy Expenses	83	90	116	113	92	106
Selling, General & Administrative	539	523	528	510	431	355
Other Non-Interest Expense	403	497	625	563	519	618
Total Non-Interest Expense	1,861	1,953	2,092	1,932	1,684	1,667
EBT Excluding Unusual Items	648	488	968	300	1,044	365
Asset Writedown	-	-	-	-	-	-64
Other Unusual Items	-107	-107	-	-	-	-
Pretax Income	541	381	968	300	1,044	301
Income Tax Expense	66	102	231	76	247	93
Earnings From Continuing Operations	475	279	737	224	797	208
Earnings From Discontinued Operations	-4	-2	-19	-1	4	6
Net Income	471	277	718	223	801	214
Net Income to Common	471	277	718	223	801	214
Net Income Growth	50.48%	-61.42%	221.97%	-72.16%	274.30%	-23.02%
Basic Shares Outstanding	48	50	50	50	50	48
Diluted Shares Outstanding	49	50	50	50	50	48
Shares Change (YoY)	-2.65%	0.80%	-	-	4.38%	-5.89%
EPS (Basic)	9.82	5.58	14.42	4.47	16.12	4.48
EPS (Diluted)	9.68	5.50	14.36	4.45	16.03	4.48
EPS Growth	55.00%	-61.70%	222.70%	-72.24%	258.19%	-16.82%
Dividend Per Share	0.840	0.840	0.840	0.840	0.840	1.260
Dividend Growth	-	-	-	-	-33.33%	-50.00%
Effective Tax Rate	12.20%	26.77%	23.86%	25.33%	23.66%	30.90%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q