Bread Financial Holdings, Inc. (BFH) Financial Statements
Industry: Personal Credit Institutions
In fiscal 2025, Bread Financial reported revenue of $3.85B, up 0.2% from $3.84B the year before. Net income was $518.0M (a 13.5% net margin), or $10.89 per diluted share. Net interest income was $4.06B, and the efficiency ratio (noninterest expense / revenue) was 51.7%. Operating activities generated $2.09B of cash. At fiscal year end, Bread Financial held $22.66B in total assets against $19.34B in total liabilities, including $3.60B of cash and equivalents.
Open the full interactive Bread Financial financials → Quarterly statements, key ratios, valuation history and price charts.
Bread Financial Key Stats
| Share Price | $102.31 |
|---|---|
| Market Cap | $4.16B |
| P/E Ratio | 9.4 |
| Revenue YoY Growth | +0.2% |
| 52-Week Range | $55.79 – $113.15 |
| Shares Outstanding | 39.9 million (basic, 2026 Q2) |
Bread Financial Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | — | $3.48B | $4.18B | $4.27B | $4.06B | $4.06B |
| Provision for Credit Losses | — | $544.0M | $1.59B | $1.23B | $1.40B | $1.24B |
| Noninterest Income | — | -$213.0M | -$355.0M | $23.0M | -$226.0M | -$213.0M |
| Noninterest Expense | — | $1.68B | $1.93B | $2.09B | $2.06B | $1.99B |
| Revenue | $4.52B | $3.27B | $3.83B | $4.29B | $3.84B | $3.85B |
| Pre-Tax Income | $394.5M | $1.04B | $300.0M | $968.0M | $381.0M | $615.0M |
| Income Tax | $99.5M | $247.0M | $76.0M | $231.0M | $102.0M | $94.0M |
| Net Income | $213.7M | $801.0M | $223.0M | $718.0M | $277.0M | $518.0M |
| Diluted EPS | $4.46 | $16.02 | $4.46 | $14.34 | $5.49 | $10.89 |
Bread Financial Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $971.0M | $975.0M | $1.02B | $993.0M |
| Net Income | $188.0M | $53.0M | $181.0M | $146.0M |
| Diluted EPS | $3.96 | $1.11 | $4.15 | $3.55 |
Bread Financial Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash & Equivalents | $3.08B | $3.05B | $3.89B | $3.59B | $3.68B | $3.60B |
| Loans (Net) | — | $15.57B | — | — | — | — |
| Total Assets | $22.55B | $21.75B | $25.41B | $23.14B | $22.89B | $22.66B |
| Deposits | — | $11.03B | $13.83B | $13.62B | $13.08B | $13.92B |
| Total Long-Term Debt | $2.81B | $1.99B | $8.01B | $5.29B | $5.56B | $4.31B |
| Total Liabilities | $21.03B | $19.66B | $23.14B | $20.22B | $19.84B | $19.34B |
| Shareholders' Equity | $1.52B | $2.09B | $2.27B | $2.92B | $3.05B | $3.33B |
Bread Financial Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $1.88B | $1.54B | $1.85B | $1.99B | $1.86B | $2.09B |
| Cash From Investing | $1.77B | -$1.69B | -$5.11B | $788.0M | -$1.17B | -$1.37B |
| Cash From Financing | -$4.17B | $608.0M | $3.27B | -$3.09B | -$592.0M | -$807.0M |
| Free Cash Flow | $1.83B | $1.46B | $1.78B | — | — | — |
Figures from Bread Financial's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Bread Financial financials page for every line item.
Bread Financial Company Profile
| Ticker | BFH |
|---|---|
| Exchange | NYSE |
| Industry | Personal Credit Institutions |
| Headquarters | Columbus, Ohio |
| Incorporated in | Delaware |
| Fiscal Year End | December 31 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0001101215 |
Frequently Asked Questions
What was Bread Financial's revenue in fiscal 2025?
Bread Financial (BFH) reported revenue of $3.85B for fiscal 2025.
What is Bread Financial's annual revenue history?
Bread Financial's annual revenue by fiscal year: 2020: $4.52B; 2021: $3.27B; 2022: $3.83B; 2023: $4.29B; 2024: $3.84B; 2025: $3.85B.
What was Bread Financial's net income in fiscal 2025?
Bread Financial reported net income of $518.0M for fiscal 2025.
What was Bread Financial's earnings per share (EPS) in fiscal 2025?
Bread Financial's diluted EPS was $10.89 for fiscal 2025 (adjusted for any later stock splits).
What was Bread Financial's revenue last quarter?
In its most recent reported quarter (2026 Q2), Bread Financial reported revenue of $993.0M.
How much debt does Bread Financial have?
Bread Financial reported $4.31B of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Bread Financial are outstanding?
Bread Financial reported a weighted average of 39.9 million basic shares outstanding in 2026 Q2.
What is Bread Financial's market cap?
Based on its latest closing price, Bread Financial (BFH) has a market capitalization of about $4.16B.
When does Bread Financial's fiscal year end?
Bread Financial's fiscal year end, as registered with the SEC, is December 31.
Where is Bread Financial headquartered?
Bread Financial lists its business address in Columbus, Ohio in its SEC filings.