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BFH

BREAD FINANCIAL HOLDINGS, INC.

Personal Credit Institutions · SIC 6141CIK 1101215Held by 3 tracked managersEDGAR filings ↗10-K/10-Q ↗

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Revenue FY2025
$3.85B
Net Income FY2025
$0.52B
EPS (Basic, as reported)
$11.07
Net Margin FY2025
13.5%
ROE FY2025
15.6%
Total Equity
$3.33B
Shares Out
38M
Business description

BREAD FINANCIAL HOLDINGS, INC. — Personal Credit Institutions. Figures are as reported in each year's original 10-K via SEC EDGAR XBRL company facts (FY2008–FY2025; structured XBRL data begins around 2008). Market-price metrics are not part of EDGAR data.

Annual (fiscal years, as reported)USD millions
i
default rows · click any row to chart itRevenue: 7,138 → 3,845 -6.6% CAGR
Fiscal yearFY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue7,1387,7193,0858405773,2723,8264,2893,8383,845
Cost of revenue(4,277)(4,270)(4,221)(2,688)(2,077)—————
General & administrative(143)(166)(173)(151)(106)—————
Total operating expenses(5,873)(6,074)(5,897)(4,274)(3,633)—————
Operating income1,2661,6461,8941,307888—————
Interest expense(428)(564)(671)(569)(494)(383)(503)(879)(960)(854)
Pre-tax income8371,0811,2247383951,044300968381615
Income tax expense(319)(292)(261)(166)(99)(247)(76)(231)(102)(94)
Net income518789963278214801223718277518
EPS — basic$7.37$14.17$17.56$5.36$4.47$16.09$4.47$14.39$5.58$11.07
EPS — diluted$7.34$14.10$17.49$5.46$4.46$16.02$4.46$14.34$5.49$10.89
Shares outstanding — basic (M)59565550485050505047
Shares outstanding — diluted (M)59565551485050505048

Showing the latest 10 of 18 fiscal years.

Source: SEC EDGAR XBRL company facts — figures as reported in each period's original filing (structured data begins ~2008). EPS and other per-share figures are as reported and are not adjusted for later stock splits; a ⚑ marks a period where the reported share count changed by a large factor. Dollar figures in millions unless per-share. Line items a company never reports are omitted. Where a filer switched XBRL concepts, the successor concept is used and definitions can differ slightly (e.g. cash may include restricted cash; banks' revenue is net of interest expense; cost of revenue may exclude D&A; net income may be the amount available to common stockholders; debt issued/repaid may be net of issuance costs or include finance-lease obligations — each only where the original concept stopped being reported). Click a period header to open that period's source filing on EDGAR.