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 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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
Net Interest Income	4,120	4,058	4,064	4,266	4,181	3,485
Net Interest Income Growth	2.56%	-0.15%	-4.74%	2.03%	19.97%	0.93%
Non-Interest Income	-227	-213	-226	23	-355	-213
Revenues Before Loan Losses	3,893	3,845	3,838	4,289	3,826	3,272
Provision for Credit Losses	303	1,242	1,397	1,229	1,594	544
Revenue	2,644	2,603	2,441	3,060	2,232	2,728
Revenue Growth (YoY)	8.14%	6.64%	-20.23%	37.10%	-18.18%	34.25%
Compensation Expenses	886	880	897	867	779	671
Selling, General & Admin	774	780	773	890	813	699
Other Non-Interest Expenses	324	328	390	335	340	314
Total Non-Interest Expense	1,984	1,988	2,060	2,092	1,932	1,684
Pretax Income	243	615	381	968	300	1,044
Provision for Income Taxes	99	94	102	231	76	247
Net Income	561	521	279	737	224	797
Earnings From Discontinued Operations	1	-3	-2	-19	-1	4
Net Income to Common	562	518	277	718	223	801
Net Income Growth	100.71%	87.00%	-61.42%	221.97%	-72.16%	274.30%
Shares Outstanding (Basic)	45	47	50	50	50	50
Shares Outstanding (Diluted)	46	48	50	50	50	50
Shares Change (YoY)	-8.82%	-5.56%	0.80%	-	-	4.38%
EPS (Basic)	12.39	11.07	5.58	14.39	4.47	16.09
EPS (Diluted)	12.21	10.89	5.49	14.34	4.46	16.02
EPS Growth	116.87%	98.36%	-61.71%	221.53%	-72.16%	259.19%
Free Cash Flow	2,160	2,068	1,823	1,939	1,776	1,463
Free Cash Flow Growth	4.45%	13.44%	-5.98%	9.18%	21.39%	-20.01%
Free Cash Flow Per Share	46.98	43.45	36.17	38.78	35.52	29.26
Dividends Per Share	0.880	0.860	0.840	0.840	0.840	0.840
Dividend Growth	2.33%	2.38%	-	-	-	-33.33%
Profit Margin	21.22%	20.02%	11.43%	24.09%	10.04%	29.22%
FCF Margin	81.69%	79.45%	74.68%	63.37%	79.57%	53.63%
Effective Tax Rate	40.74%	15.28%	26.77%	23.86%	25.33%	23.66%

SEC Filings: 10-K · 10-Q