Bread Financial Holdings, Inc. (BFH)

Bread Financial Holdings Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar 31, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	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	1,249	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	660	615	381	968	300	1,044
Provision for Income Taxes	99	94	102	231	76	247
Net Income	559	518	277	718	223	801
Net Income Attributable to Preferred Dividends	2	-	-	-	-	-
Earnings From Discontinued Operations	1	-3	-2	-19	-1	4
Net Income to Common	559	518	277	718	223	801
Net Income Growth	99.64%	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%
Shares Outstanding	41.3	44.1	49.1	49.8	49.9	49.8
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%
Effective Tax Rate	15.00%	15.28%	26.77%	23.86%	25.33%	23.66%

Updated Mar 31, 2026. Data Source: Fiscal.ai. financials template. Financial Sources.

SEC Filings: 10-K · 10-Q