Bread Financial Holdings, Inc. (BFH)

NYSE: BFH · Real-Time Price · USD

99.89

-2.56 (-2.50%)

At close: Oct 23, 2026, 4:00 PM EDT

98.57

-1.32 (-1.32%)

After-hours: Oct 23, 2026, 7:31 PM EDT

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	Sep '26 Sep 30, 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
Interest Income on Loans	4,881	4,739	4,820	4,961	4,615	3,861
Interest Income on Investments	152	173	204	184	69	7
Total Interest Income	5,033	4,912	5,024	5,145	4,684	3,868
Interest Paid on Deposits	557	554	608	541	243	167
Interest Paid on Borrowings	228	300	352	338	260	216
Total Interest Expense	785	854	960	879	503	383
Net Interest Income	4,248	4,058	4,064	4,266	4,181	3,485
Net Interest Income Growth	6.23%	-0.15%	-4.74%	2.03%	19.97%	0.93%
Gain (Loss) on Sale of Assets	3	3	11	230	-	10
Gain (Loss) on Sale of Investments	-	-	-	-6	-44	2
Other Non-Interest Income	-249	-216	-237	-201	-311	-225
Total Non-Interest Income	-246	-213	-226	23	-355	-213
Non-Interest Income Growth	-	-	-	-	-	-
Revenues Before Loan Losses	4,002	3,845	3,838	4,289	3,826	3,272
Provision for Loan Losses	1,310	1,242	1,397	1,229	1,594	544
Revenue	2,692	2,603	2,441	3,060	2,232	2,728
Revenue Growth	7.29%	6.64%	-20.23%	37.10%	-18.18%	34.25%
Salaries and Employee Benefits	849	824	843	823	746	642
Occupancy Expenses	74	80	90	116	113	92
Selling, General & Administrative	549	537	523	528	510	431
Other Non-Interest Expense	451	473	487	624	563	519
Total Non-Interest Expense	1,923	1,914	1,943	2,091	1,932	1,684
EBT Excluding Unusual Items	769	689	498	969	300	1,044
Other Unusual Items	-74	-74	-117	-1	-	-
Pretax Income	695	615	381	968	300	1,044
Income Tax Expense	159	94	102	231	76	247
Earnings From Continuing Operations	536	521	279	737	224	797
Earnings From Discontinued Operations	1	-3	-2	-19	-1	4
Net Income	537	518	277	718	223	801
Preferred Dividends & Other Adjustments	10	-	-	-	-	-
Net Income to Common	527	518	277	718	223	801
Net Income Growth	11.89%	87.00%	-61.42%	221.97%	-72.16%	274.30%
Basic Shares Outstanding	41	47	50	50	50	50
Diluted Shares Outstanding	42	48	50	50	50	50
Shares Change	-13.28%	-5.56%	0.80%	-	-	4.38%
EPS (Basic)	12.71	11.07	5.58	14.42	4.47	16.12
EPS (Diluted)	12.47	10.90	5.50	14.36	4.45	16.03
EPS Growth	28.86%	98.11%	-61.70%	222.70%	-72.24%	258.19%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 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
Dividend Per Share	0.920	0.860	0.840	0.840	0.840	0.840
Dividend Growth	9.52%	2.38%	0%	0%	0%	-33.33%
Effective Tax Rate	22.88%	15.29%	26.77%	23.86%	25.33%	23.66%

SEC Filings: 10-K · 10-Q