Bread Financial Holdings, Inc.
BFH.PC- Exchange
- NYSE
- Industry
- Personal Credit Institutions
- SEC CIK
- 0001101215
In the last 90 days, Bread Financial Holdings, Inc. insiders filed 3 open-market purchases and 0 sales; no institution reported holding it in 13F filings for Q2 2026; no superinvestor holds it.
- Currency
- USD
- Source
- SEC XBRL data (10-K, 10-Q, 20-F, 40-F)
- Updated
- Oct 28, 2026, 12:34 PM ET
Revenue flow, FY2025
Where the revenue went in FY2025, from the income statement below. Green is profit; orange is costs, expenses and taxes. Percentages are shares of revenue; hover over a band or a bar for the exact amount.
Income statement
Each column is one fiscal year, newest first.
| Line item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Period end | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 |
| Filing | 10-K | 10-K | 10-K | 10-K | 10-K |
| Reported | Jan 29, 2026 | Jan 30, 2025 | Jan 25, 2024 | Jan 26, 2023 | Jan 27, 2022 |
| Revenue | $3.85B | $3.84B | $4.29B | $3.83B | $3.27B |
| Interest expense | – | – | $879.0M | $503.0M | $383.0M |
| Income tax | $94.0M | $102.0M | $231.0M | $76.0M | $247.0M |
| Net income | $518.0M | $277.0M | $718.0M | $223.0M | $801.0M |
| EPS, basic | $11.07 | $5.58 | $14.39 | $4.47 | $16.09 |
| EPS, diluted | $10.89 | $5.49 | $14.34 | $4.46 | $16.02 |
| Weighted shares, basic | 46.8M | 49.6M | 49.8M | 49.9M | 49.7M |
| Weighted shares, diluted | 47.6M | 50.4M | 50.0M | 50.0M | 50.0M |
| Margins and growth | |||||
| Net margin | 13.5% | 7.2% | 16.7% | 5.8% | 24.5% |
| Revenue growth, year over year | +0.2% | −10.5% | +12.1% | +16.9% | −27.6% |
| Net income growth, year over year | +87.0% | −61.4% | +222.0% | −72.2% | +274.8% |
Balance sheet
Each column is one fiscal year, newest first.
| Line item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Period end | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 |
| Filing | 10-K | 10-K | 10-K | 10-K | 10-K |
| Reported | Jan 29, 2026 | Jan 30, 2025 | Jan 25, 2024 | Jan 26, 2023 | Jan 27, 2022 |
| Cash and equivalents | $3.60B | $3.68B | $3.59B | $3.89B | $3.05B |
| Short-term investments | $26.0M | $272.0M | $250.0M | $130.0M | $80.0M |
| Property, plant and equipment | $117.0M | $142.0M | $167.0M | $195.0M | $215.0M |
| Goodwill | $634.0M | $634.0M | $634.0M | $634.0M | – |
| Intangible assets | $82.0M | $112.0M | $128.0M | $165.0M | $53.0M |
| Total assets | $22.7B | $22.9B | $23.1B | $25.4B | $21.7B |
| Long-term debt | $4.31B | $5.56B | $5.29B | $8.01B | $1.99B |
| Total liabilities | $19.3B | $19.8B | $20.2B | $23.1B | $19.7B |
| Shareholders' equity | $3.33B | $3.05B | $2.92B | $2.27B | $2.09B |
Cash flow statement
Each column is one fiscal year, newest first. Free cash flow is operating cash flow minus capital expenditures.
| Line item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Period end | Dec 31, 2025 | Dec 31, 2024 | Dec 31, 2023 | Dec 31, 2022 | Dec 31, 2021 |
| Filing | 10-K | 10-K | 10-K | 10-K | 10-K |
| Reported | Jan 29, 2026 | Jan 30, 2025 | Jan 25, 2024 | Jan 26, 2023 | Jan 27, 2022 |
| Operating cash flow | $2.09B | $1.86B | $1.99B | $1.85B | $1.54B |
| Capital expenditures | – | – | – | $68.0M | $84.0M |
| Free cash flow | – | – | – | $1.78B | $1.46B |
| Depreciation and amortization | $80.0M | $90.0M | $116.0M | $113.0M | $123.0M |
| Stock-based compensation | $56.0M | $54.0M | $44.0M | $33.0M | $29.0M |
| Dividends paid | $40.0M | $43.0M | $42.0M | $43.0M | $42.0M |
| Share buybacks | $313.0M | $55.0M | $35.0M | – | – |
| Investing cash flow | -$1.37B | -$1.17B | $788.0M | -$5.11B | -$1.69B |
| Financing cash flow | -$807.0M | -$592.0M | -$3.09B | $3.27B | $608.0M |
| Net change in cash | -$86.0M | $98.0M | -$311.0M | $4.00M | $460.0M |
| Ratio | |||||
| Stock-based compensation, % of revenue | 1.5% | 1.4% | 1.0% | 0.9% | 0.9% |
Shares outstanding
Common shares outstanding as stated on the cover of each 10-K and 10-Q. The date is the cover date, not the period end; a rising count means dilution.
| Cover date | Shares outstanding | Change in a year | Filing |
|---|---|---|---|
| Oct 21, 2026 | 38.0M | −16.9% | SEC |
| Jul 22, 2026 | 38.4M | −17.6% | SEC |
| Apr 22, 2026 | 40.4M | −13.2% | SEC |
| Feb 6, 2026 | 43.1M | −12.2% | SEC |
| Oct 22, 2025 | 45.7M | −8.2% | SEC |
| Jul 23, 2025 | 46.6M | −6.1% | SEC |
| Apr 23, 2025 | 46.5M | −6.1% | SEC |
| Feb 7, 2025 | 49.1M | −0.7% | SEC |
Notes and known gaps
How these numbers are put together, and what they can't tell you.
- Numbers come from the XBRL data in each period's original 10-K, 10-Q, 20-F or 40-F, or its amendment. They are shown as filed: later filings don't restate earlier periods here.
- Reported is the filing date of the first 8-K with Item 2.02 (results of operations) after the period ended, no later than the 10-Q or 10-K and within 120 days. Companies that release results only in the 10-Q, and foreign companies, which use Form 6-K, have none.
Known gaps
- Foreign companies that file Form 20-F or 40-F have annual statements only: their quarterly results are furnished on Form 6-K, which has no XBRL data.
- EPS and share counts are as reported at the time, not adjusted for later stock splits.
- For ADRs, EPS is per ordinary share, not per ADS (one TSMC ADS is five ordinary shares).
- For banks, revenue may be interest income only, depending on how the bank tags its filings; cost of revenue and gross profit are usually blank.
- Companies with several share classes, such as Berkshire Hathaway, may have no EPS and no cover share count.
- Depreciation and amortization is missing for some companies that report it under their own XBRL tags.