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	Jun '26 Jun 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
Net Interest Income	4,185	4,058	4,064	4,266	4,181	3,485
Net Interest Income Growth	4.52%	-0.15%	-4.74%	2.03%	19.97%	0.93%
Non-Interest Income	-228	-213	-226	23	-355	-213
Non-Interest Income Growth	-	-	-	-	-	-
Revenues Before Loan Losses	3,957	3,845	3,838	4,289	3,826	3,272
Provision for Credit Losses	672	1,242	1,397	1,229	1,594	544
Revenue	2,669	2,603	2,441	3,060	2,232	2,728
Revenue Growth	8.89%	6.64%	-20.23%	37.10%	-18.18%	34.25%
Compensation Expenses	899	880	897	867	779	671
Selling, General & Admin	779	780	773	890	813	699
Other Non-Interest Expenses	308	328	390	335	340	314
Total Non-Interest Expense	1,986	1,988	2,060	2,092	1,932	1,684
Pretax Income	243	615	381	968	300	1,044
Provision for Income Taxes	115	94	102	231	76	247
Net Income	568	521	279	737	224	797
Earnings From Discontinued Operations	1	-3	-2	-19	-1	4
Net Income to Common	569	518	277	718	223	801
Net Income Growth	98.95%	87.00%	-61.42%	221.97%	-72.16%	274.30%
Shares Outstanding (Basic)	44	47	50	50	50	50
Shares Outstanding (Diluted)	44	48	50	50	50	50
Shares Change	-10.72%	-5.56%	0.80%	-	-	4.38%
EPS (Basic)	13.04	11.07	5.58	14.39	4.47	16.09
EPS (Diluted)	12.82	10.89	5.49	14.34	4.46	16.02
EPS Growth	116.92%	98.36%	-61.71%	221.53%	-72.16%	259.19%
Free Cash Flow	2,170	2,068	1,823	1,939	1,776	1,463
Free Cash Flow Growth	18.45%	13.44%	-5.98%	9.18%	21.39%	-20.01%
Free Cash Flow Per Share	48.93	43.45	36.17	38.78	35.52	29.26
Dividends Per Share	0.900	0.860	0.840	0.840	0.840	0.840
Dividend Growth	7.14%	2.38%	0%	0%	0%	-33.33%
Profit Margin	21.28%	20.02%	11.43%	24.09%	10.04%	29.22%
FCF Margin	81.30%	79.45%	74.68%	63.37%	79.57%	53.63%
Effective Tax Rate	47.33%	15.28%	26.77%	23.86%	25.33%	23.66%

SEC Filings: 10-K · 10-Q